The receipt
The listed payment$659
- Fees at signing+ $44Money due at signing is spread over the months, here $44 a month.Fees due when you sign ($1,841), spread over 42 monthsSource: the Leasehackr Marketplace 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)+ $40Tax is what your state adds to the payment, here about $40 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+ $38Driving more miles than the lease gives costs extra, here $38 a month.Miles: you drive 12,000 a year, the lease covers 7,500You drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 a month.Source: the Leasehackr Marketplace listing, read Nov 5. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about)+ $200Insurance: about $200 a month for this car at the U.S. average. Tap to type yours.Insurance about $200 for the U.S. average (range $160 to $240). Your own quote may differ. Type yours.Lexus ES quotes run $160 to $240 a month (The Zebra, read Oct 19) → middle $200 × 1.00 (U.S. average) = $200 a month. 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.
- Gas (about)+ $115Gas: about $115 a month for the miles you drive. Tap to type your gas price.Hybrid or electric (the ad does not say): counted at the dearest (about)12,000 mi a year ÷ about 45 mpg (middle of the EPA figures for the 2026 ES) = 266.7 gallons × $5.158 a gallon (EIA U.S. average premium, week of Nov 2) = $1,375 a year = $115 a month city 48 to highway 43The ad does not say which powertrain this is, so we count it at the dearest of them. At U.S. average prices it runs $52 to $115 a month, depending on which it is. Source: U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.
Real Lease Cost™ (everything you pay), each month$1,096
Sources and read dates
- The listed payment the Leasehackr Marketplace listing, read Nov 5.
- Fees at signing the Leasehackr Marketplace 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 Leasehackr Marketplace listing, read Nov 5. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about) The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, 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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