$1,134 a month all-in (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The ad says $549. 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.$549
Money due when you sign ($4,450), spread over 36 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 30.+ $124
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.+ $33
Miles: you drive 12,000 a year, the lease covers 10,000You drive 2,000 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.+ $19
Insurance, our estimate for the U.S. average: $214 (range $154 to $274). 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.+ $214
Gas, our estimate27 mpg at $5.275/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $195
The cheapest live car outside this brand is the 2026 Toyota Corolla at $527 all-in. This car is $607 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 Lexus TX 350
Monthly payment in the ad
$549 plus tax
Months on the lease
36
Due when you sign
$4,999. It includes your first payment of $549. The other $4,450 is fees and any money down, and we count all of it.
That $4,450, spread over 36 months
$124 a month
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
$673
Tax, each month
$33
Monthly cost after tax
$706
Lease cost over all the months, before tax
$24,214
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
Miles a year the lease allows
10,000
Extra miles to reach your 12,000 a year
You drive 2,000 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
$214 a month for the U.S. average (range $154 to $274). 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
Gas, our estimate
$195 a month (27 mpg at $5.275/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All in, each month
$1,134
All in, over all the months, our estimate
$40,824
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 2 (in 3 days)
MSRP
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$673
Effective monthly, after tax
$706
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2025 Lexus ES 350
A drawing of this kind of car, not a photo of it.
2025 Lexus ES 350
$898a month, everything in
New lease
A new lease from the dealer. You sign for 36 months, with money due at signing.
The ad says $479 a month. With everything added, it is $921 a month. The biggest piece is insurance, $199 a month (our estimate for the U.S. average, $159 to $239; type yours).
The ad says$479
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $29
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $159 to $239). Type yours.+ $199
Gas, our estimate+ $195
All in, each month$921
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 $560 a month. With everything added, it is $1,034 a month. The biggest piece is insurance, $189 a month (our estimate for the U.S. average, $151 to $227; type yours).
The ad says$560
Money due when you sign ($1,708), spread over 36 months+ $47
Tax, at the rate the ad states+ $61
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $151 to $227). Type yours.+ $189
Gas, our estimate+ $158
All in, each month$1,034
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $592 a month. The seller says they will pay you $2,110 to take it over, about $75 a month. With everything added, the real cost is $1,034 a month. The biggest piece is insurance, $214 a month (our estimate for the U.S. average, $154 to $274; type yours).
The ad says$592
Cash the seller says they will pay you, each month- $75
Transfer fee we assumed ($500), spread over 28 months+ $18
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $35
Miles: you drive 12,000 a year, the lease covers 9,338+ $55
Insurance, our estimate for the U.S. average (range $154 to $274). Type yours.+ $214
Gas, our estimate+ $195
All in, each month$1,034
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $575 a month. With everything added, it is $1,034 a month. The biggest piece is insurance, $210 a month (our estimate for the U.S. average, $174 to $247; type yours).
The ad says$575
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $35
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $174 to $247). Type yours.+ $210
Gas, our estimate+ $195
All in, each month$1,034
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.
