Real Lease Cost
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2025 Porsche Panamera

A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.

Ad $2,799$3,485/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$2,799

  1. Transfer fee (about)+ $28
  2. Tax (about)+ $170
  3. Extra miles+ $62
  4. Insurance (about)+ $175
  5. Gas (about)+ $251

Real Lease Cost™ (everything you pay), each month$3,485

Sources and read dates
  • The listed payment the SwapALease listing, read Nov 2.
  • Transfer fee (about) the SwapALease listing, read Nov 2. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the SwapALease listing, read Nov 2. Where the ad gives no per-mile rate, we use $0.25 a mile.
  • Insurance (about) AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.
  • Gas (about) U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Nov 2.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas at 12,000 miles a year at U.S. average prices. The receipt adds every cost.

An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate

Lease ends about May 2028 (18 months left)

Your miles or state are different?

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Listed in TX Take-over SwapALease Gas Unknown Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

No photo for this model

Read from SwapALease on Nov 2, 2026. Tax status not recorded, so tax is added here (tax assumed).

Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost leaves out registration, wear and tear, and excess miles beyond your target. See how we score.

Listing facts belong to the source. If this row should be corrected or removed, write to takedown@realleasecost.com.

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What a take-over means

You take over someone’s lease. You pay their last 18 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

  • Model year: 2025.
  • Miles left on the lease: about 13,500, as the listing states them.
  • Transfer fee: about $500 (the listing does not say). Ask the leasing company (the bank that owns the car), not the seller.

Real Lease Check™

How this price compares

Not enough similar cars today

Not enough similar cars today. We need at least 21 live deals of the same kind to compare, and we have 0.

This check looks at price only. It cannot say whether the car fits you.

The math behind this

There are too few similar cars today for a share.

Facts stated by the source on Nov 2, 2026.

The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $2,954 a month more than that.

The full math, line by line

This table is priced at 12,000 miles a year and U.S. average prices.

The math for 2025 Porsche Panamera
Monthly payment in the ad$2,799 plus tax
Months on the lease18
Sticker pricenot in the listing
Tax rate used6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out$2,827
Tax, each month$170
Monthly cost after tax$2,997
Lease cost over all the months, before tax$50,882
Transfer fee, our estimate$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you$0
Money you pay up frontnot stated by the source, counted as $0 until you confirm
Miles a year the lease allows9,000
Extra miles to reach your 12,000 a yearYou drive 3,000 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $62 a month.
Insurance, our estimate$175 a month for the U.S. average (range $126 to $224). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read Oct 31, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate$251 a month (about 21 mpg, middle of the EPA figures for the 2025 Panamera; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month$3,485
Real Lease Cost, over all the months, our estimate$62,730
Listing statuslive
Source readNov 2, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends about May 2028 (18 months left)
MSRPnot in the listing
Cap reductionnot stated
Effective monthly, before tax$2,827
Effective monthly, after tax$2,997

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Café du Monde, New Orleans

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$4.53 Café du Monde shop page, read Oct 31, 2026.

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Qahwah House, Dearborn

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Sourdough loaf

Rize Up Sourdough, San Francisco

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$12 Rize Up Sourdough product list, read Oct 31, 2026.

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Deep-dish pan pizza, medium

Pequod's, Chicago

$22.95 Pequod's menu (Medium 12-inch pan pizza, cheese), read Oct 31, 2026.

Pick up the tab: $22.95
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The viral $60 rye

RYE by Martin Auer, SoHo, New York

Photo of a 100% rye loaf, not RYE's own.

$60 The Guardian, Sep 28 2026, read Oct 31, 2026.

Pick up the tab: $60
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Ad $599$1,240/mo all-inestimate

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See this deal: 2026 Porsche Macan

Why this price?

GasAbout even with similar cars

Ad$599

Real$1,240

Grey is the ad. Violet is what we add. Gold stripes are our estimates.

+$641 we added. Most of it is our estimate.

Why +$641? gas $264, insurance $182, fees $121, extra miles $38, tax $36

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A new lease from the dealer. You sign for 24 months.

$2,901 due at signing, besides the first payment (in the monthly).

Gas $264/mo: about 20 mpg (EPA), U.S. average price

Offer ends Nov 8 (in 6 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $599 a month. With everything added, it is $1,240 a month. The biggest piece is our gas estimate, $264 a month.

The listed payment$599

  1. Fees due when you sign ($2,901), spread over 24 months+ $121
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $36
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
  5. Gas (about)+ $264

Real Lease Cost, each month$1,240

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 1. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

2024 Porsche Cayenne, a photo of this model, not the listed car

2024 Porsche Cayenne SUV

Ad $1,150$1,309/mo all-inestimate

Take-over

Only one site lists this. Check it before you pay.

See this deal: 2024 Porsche Cayenne

Why this price?

GasAbout even with similar cars

Ad$1,150

Real$1,309

+$159 we added. Most of it is our estimate.

Why +$159? gas $293, extra miles $208, insurance $182, tax $69, fees $63, minus cash the seller pays you $656

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Cheapest of 5 Cayenne offers nationwide

You take over someone’s lease. You pay their last 8 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $293/mo: about 18 mpg (EPA), U.S. average price

Lease ends Jul 2027 (8 months left)

8 months left, about $10,500 in all. Transfer fee about $500. Seller pays you $5,250.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $1,150 a month. The seller says they will pay you $5,250 to take it over, about $656 a month. With everything added, the real cost is $1,309 a month.

The listed payment$1,150

  1. Cash the seller says they will pay you, each month- $656
  2. Transfer fee about $500 (the listing does not say), spread over 8 months+ $63
  3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $69
  4. Miles: you drive 12,000 a year, the lease covers about 3,690 a year (from the miles left and months left)+ $208
  5. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
  6. Gas (about)+ $293

Real Lease Cost, each month$1,309

LeaseTrader, read Nov 2. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Alexander-93, CC BY-SA 4.0

2025 Porsche Taycan, a photo of this model, not the listed car

2025 Porsche Taycan 4

Ad $2,028$1,604/mo all-inestimate

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Why this price?

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Real$1,604

$424 less than the ad, after the seller’s cash

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You take over someone’s lease. You pay their last 24 months.

Transfer fee $900, as the listing states (in the monthly).

Needs the leasing company’s approval.

Charging $73/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends about Nov 2028 (24 months left)

24 months left, about $38,500 in all. Transfer fee $900. Seller pays you $20,000.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $2,028 a month. The seller says they will pay you $20,000 to take it over, about $833 a month, which brings the real cost down to $1,604 a month with everything added.

The listed payment$2,028

  1. Cash the seller says they will pay you, each month- $833
  2. Transfer fee ($900), spread over 24 months+ $38
  3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $123
  4. Miles: you drive 12,000 a year, the lease covers 12,411+ $0
  5. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
  6. Electric: charging at home (about)+ $73

Real Lease Cost, each month$1,604

Leasehackr private transfers, read Nov 2. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

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2025 Mercedes-Benz G580, a photo of this model, not the listed car

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Why this price?

Hybrid or electric: the ad does not sayCosts more than most similar cars

Ad$2,740

Real$3,454

+$714 we added. Most of it is our estimate.

Why +$714? gas $293, insurance $191, tax $167, extra miles $52, fees $11

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You take over someone’s lease. You pay their last 45 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Fuel $293/mo. We used the highest running cost because the ad does not say which kind it is.

Lease ends Jul 2030 (45 months left)

45 months left, about $155,400 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $2,740 a month. With everything added, it is $3,454 a month.

The listed payment$2,740

  1. Transfer fee about $500 (the listing does not say), spread over 45 months+ $11
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $167
  3. Miles: you drive 12,000 a year, the lease covers about 9,496 a year (from the miles left and months left)+ $52
  4. Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
  5. Hybrid or electric (the ad does not say): counted at the dearest (about)+ $293

Real Lease Cost, each month$3,454

LeaseTrader, read Nov 2. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: JamesYoung8167, CC BY-SA 4.0

2026 Cadillac Escalade IQ, a photo of this model, not the listed car

2026 Cadillac Escalade IQ Premium Luxury

Ad $3,000$3,465/mo all-inestimate

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See this deal: 2026 Cadillac Escalade IQ

Why this price?

ElectricCosts more than most similar cars

Ad$3,000

Real$3,465

+$465 we added. Most of it is our estimate.

Why +$465? insurance $190, tax $182, charging $70, fees $23

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You take over someone’s lease. You pay their last 22 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $70/mo: A typical figure for electric cars, not this car’s rating at U.S. average home rates.

Assumes you charge at home.

Lease ends Sep 2028 (22 months left)

22 months left, about $76,200 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $3,000 a month. With everything added, it is $3,465 a month.

The listed payment$3,000

  1. Transfer fee about $500 (the listing does not say), spread over 22 months+ $23
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $182
  3. Miles: you drive 12,000 a year, the lease covers about 17,149 a year (from the miles left and months left)+ $0
  4. Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
  5. Electric: charging at home (about)+ $70

Real Lease Cost, each month$3,465

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2026 Mercedes-Benz G Class

2026 Mercedes-Benz G Class

Ad $2,749$3,506/mo all-inestimate

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Only one site lists this. Check it before you pay.

See this deal: 2026 Mercedes-Benz G Class

Why this price?

Hybrid or electric: the ad does not say

Ad$2,749

Real$3,506

+$757 we added. Most of it is our estimate.

Why +$757? gas $293, insurance $175, tax $168, typical money due at signing $83, extra miles $38

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A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $3,005 due at signing used (in the monthly). Ask before you sign.

Fuel $293/mo. We used the highest running cost because the ad does not say which kind it is.

Offer ends Nov 8 (in 6 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $2,749 a month. With everything added, it is $3,506 a month.

The listed payment$2,749

  1. Money due at signing: the ad does not say. We added $83 a month, the typical amount (median of 79 ads that state it in the same price band, read Nov 1 to Nov 2).+ $83
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $168
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
  5. Hybrid or electric (the ad does not say): counted at the dearest (about)+ $293

Real Lease Cost, each month$3,506

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Read by hand on Nov 1. Insurance and gas are estimates, not quotes. about = our guess.

A drawing of this kind of car, not a photo of it.