$1,279 a month all-in (payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The ad says $876. The receipt adds every step between the two.
Read from Leasehackr private transfers on 2026-10-30.
Confirm every number with the seller or the leasing company before you commit. The all-in figure 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.
The receipt
The ad saysSource: The listing itself, from 12 public sites. Newest read Oct 30.$876
Transfer fee ($625), spread over 22 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 30.+ $28
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $53
Miles: you drive 12,000 a year, the lease covers 10,701You drive 1,298 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $27 a month.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 30.+ $27
Insurance, our estimate for the U.S. average: $225 (range $162 to $288). Your own quote may differ. Type yours.We use the middle of the range. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.+ $225
Charging at home, our estimate2.6 mi/kWh at $0.1816/kWh; EIA U.S. residential average, August 2026 (read 2026-10-30)Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $70
The cheapest live car outside this brand is the 2026 Toyota Corolla at $527 all-in. This car is $752 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 2026 Cadillac Vistiq Prem
Monthly payment in the ad
$876 plus tax
Months on the lease
22
Sticker price
not in the listing
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$904
Tax, each month
$53
Monthly cost after tax
$957
Lease cost over all the months, before tax
$19,897
Transfer fee, as stated
$625 spread over the months
Cash the seller says they will pay you
$0
Money you pay up front
not stated by the source, counted as $0 until you confirm
Miles a year the lease allows
10,702
Extra miles to reach your 12,000 a year
You drive 1,298 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $27 a month.
Insurance, our estimate
$225 a month for the U.S. average (range $162 to $288). We use the middle of the range. Source: our class estimate, fitted to The Zebra's model quotes, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate
$70 a month (2.6 mi/kWh at $0.1816/kWh, EIA U.S. residential average, August 2026 (read 2026-10-30)) kWh: a unit of electricity, like a gallon for gas.
All in, each month
$1,279
All in, over all the months, our estimate
$28,138
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Lease ends about Aug 2028 (22 months left)
MSRP
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$904
Effective monthly, after tax
$957
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2025 Cadillac LYRIQ Luxury
$628a month, everything in
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You take over someone’s lease. You pay their last 13 months.
Needs the leasing company’s approval.
Lease ends Dec 2027 (13 months left)
13 months left, about $8,200 in all. Transfer fee $500 (assumed). Seller pays you $10,400.
The ad says $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $628 a month with everything added.
The ad says$1,032
Cash the seller says they will pay you, each month- $800
Transfer fee we assumed ($500), spread over 13 months+ $38
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $63
Miles: you drive 12,000 a year, the lease covers 25,477+ $0
Insurance, our estimate for the U.S. average (range $162 to $288). Type yours.+ $225
Charging at home, our estimate+ $70
All in, each month$628
LeaseTrader, read Oct 30. Insurance and charging are estimates, not quotes.
The ad says $359 a month. With everything added, it is $678 a month. Most of the difference is insurance, $215 a month (our estimate for the U.S. average, $172 to $258; type yours).
The ad says$359
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $22
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $172 to $258). Type yours.+ $215
Charging at home, our estimate+ $63
All in, each month$678
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and charging are estimates, not quotes.
Photo of this model from another year, not this exact car.
2026 Cadillac XT6
$899a month, everything in
New lease
A new lease from the dealer. You sign for 36 months, with money due at signing.
The ad says $449 a month. With everything added, it is $899 a month. The biggest piece is insurance, $209 a month (our estimate for the U.S. average, $167 to $251; type yours).
The ad says$449
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $27
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $167 to $251). Type yours.+ $209
Gas, our estimate+ $195
All in, each month$899
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $769 a month. With everything added, it is $1,179 a month. The biggest piece is insurance, $187 a month (our estimate for the U.S. average, $150 to $225; type yours).
The ad says$769
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $46
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $150 to $225). Type yours.+ $187
Gas, our estimate+ $158
All in, each month$1,179
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
Photo of this model, not this exact car.
2026 Toyota Tundra 4WD Platinum CrewMax 6.5' Bed
$1,180a month, everything in
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A new lease from the dealer. You sign for 36 months, with money due at signing.
The ad says $672 a month. With everything added, it is $1,180 a month. The biggest piece is insurance, $208 a month (our estimate for the U.S. average, $167 to $250; type yours).
The ad says$672
Money due when you sign ($1,467), spread over 36 months+ $41
Tax, at the rate the ad states+ $63
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $167 to $250). Type yours.+ $208
Gas, our estimate+ $158
All in, each month$1,180
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.
