$1,100 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 $729. The receipt adds every step between the two.
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. How it is worked out$729
Tax, our estimate (the ad gives no tax rate)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30. How it is worked out+ $44
Miles: you drive 12,000 a year, the lease covers 9,996You drive 2,004 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 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. How it is worked out+ $19
Insurance, our estimate for the U.S. average: $238 (range $171 to $305). Your own quote may differ. Type yours.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: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30. How it is worked out+ $238
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. How it is worked out+ $70
The cheapest live car outside this brand is the 2026 Toyota Corolla at $527 all-in. This car is $573 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
Monthly payment in the ad
$729 plus tax
Months on the lease
36
Sticker price
$85,000 (as stated by the source)
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$729
Tax, each month
$44
Monthly cost after tax
$773
Lease cost over all the months, before tax
$26,244
Transfer fee
none stated by the source
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
9,996
Extra miles to reach your 12,000 a year
You drive 2,004 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 a month. If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Insurance, our estimate
$238 a month for the U.S. average (range $171 to $305). 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
$1,100
All in, over all the months, our estimate
$39,600
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 6 (in 7 days)
MSRP
$85,000
Cap reduction
not stated
Effective monthly, before tax
$729
Effective monthly, after tax
$773
Effective as a share of MSRP, monthly
0.91%
Leasehackr score, estimate
9.2
All-in cost as a share of MSRP
46.6%
Get the lowest all-in leases each week
One email a week. Confirm by link. Unsubscribe in one click.
More deals like this (6 cars)
More Cadillac deals
Photo of this model, not this exact car.
2025 Cadillac LYRIQ Luxury
$628a month, everything in
Take-over
You take over someone’s lease. You pay their last 13 months.
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 (the ad gives no tax rate)+ $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 (the ad gives no tax rate)+ $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 (the ad gives no tax rate)+ $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 $525 a month. With everything added, it is $1,001 a month. The biggest piece is insurance, $215 a month (our estimate for the U.S. average, $175 to $255; type yours).
The ad says$525
Tax, our estimate (the ad gives no tax rate)+ $31
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $175 to $255). Type yours.+ $215
Gas, our estimate+ $211
All in, each month$1,001
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: Charles from Port Chester, New York, CC BY 2.0
Photo of this model from another year, not this exact car.
2026 Ford Explorer Active
$1,002a month, everything in
Take-over
You take over someone’s lease. You pay their last 15 months.
Lease ends Feb 2028 (15 months left)
15 months left, about $15,000 in all. Transfer fee $500 (assumed).
The ad says $561 a month. With everything added, it is $1,002 a month. The biggest piece is insurance, $188 a month (our estimate for the U.S. average, $150 to $225; type yours).
The ad says$561
Transfer fee we assumed ($500), spread over 15 months+ $33
Tax, our estimate (the ad gives no tax rate)+ $34
Miles: you drive 12,000 a year, the lease covers 16,808+ $0
Insurance, our estimate for the U.S. average (range $150 to $225). Type yours.+ $188
Gas, our estimate+ $186
All in, each month$1,002
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $575 a month. With everything added, it is $1,002 a month. The biggest piece is insurance, $172 a month (our estimate for the U.S. average, $124 to $220; type yours).
The ad says$575
Transfer fee we assumed ($500), spread over 8 months+ $63
Tax, our estimate (the ad gives no tax rate)+ $34
Miles: you drive 12,000 a year, the lease covers 19,515+ $0
Insurance, our estimate for the U.S. average (range $124 to $220). Type yours.+ $172
Gas, our estimate+ $158
All in, each month$1,002
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
