The receipt
The listed payment$1,259
- Seller’s cash- $483The seller’s cash is spread over the months and taken off, here $483 a month less.Cash the seller says they will pay you, each monthSource: the LeaseTrader listing, read Nov 5.
- Transfer fee (about)+ $17Money due at signing is spread over the months, here about $17 a month.Transfer fee about $500 (the listing does not say), spread over 30 monthsSource: the LeaseTrader listing, read Nov 5. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
- Tax (about)+ $76Tax is what your state adds to the payment, here about $76 a month.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.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.
- Extra miles+ $89Driving more miles than the lease gives costs extra, here $89 a month.Miles: you drive 12,000 a year, the lease covers about 7,722 a year (from the miles left and months left)You drive 4,278 miles a year more than the lease allows, by our count from the miles left and months left. At $0.25 a mile (as the ad states) that is $89 a month.Source: the LeaseTrader listing, read Nov 5. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about)+ $142Insurance: about $142 a month for this car at the U.S. average. Tap to type yours.Insurance about $142 for the U.S. average (range $114 to $170). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Medium Sedan (gas) ($1,704 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $142 a month. Range $114 to $170. Full coverage, a typical driver with a clean record.Source: 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)+ $191Gas: about $191 a month for the miles you drive. Tap to type your gas price.Gas (about)12,000 mi a year ÷ about 27 mpg (middle of the EPA figures for the 2026 740) = 444.4 gallons × $5.158 a gallon (EIA U.S. average premium, week of Nov 2) = $2,292 a year = $191 a month city 24 to highway 31Source: U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.
Real Lease Cost™ (everything you pay), each month$1,291
Sources and read dates
- The listed payment the LeaseTrader listing, read Nov 5.
- Seller’s cash the LeaseTrader listing, read Nov 5.
- Transfer fee (about) the LeaseTrader listing, read Nov 5. 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 LeaseTrader listing, read Nov 5. 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 Nov 2; electricity, August 2026). Read Nov 5.
about = our guess
See the math
How each part is worked out:
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