The receipt
The listed payment$665
- Fees at signing+ $118Money due at signing is spread over the months, here $118 a month.Fees due when you sign ($2,835), spread over 24 monthsSource: the Leasehackr Marketplace listing, read Nov 2. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
- Tax (about)+ $41Tax is what your state adds to the payment, here about $41 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 2. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about)+ $182Insurance: about $182 a month for this car at the U.S. average. Tap to type yours.Insurance about $182 for the U.S. average (range $146 to $218). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Compact SUV (gas) ($2,188 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $182 a month. Range $146 to $218. 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)+ $229Gas: about $229 a month for the miles you drive. Tap to type your gas price.Gas (about)12,000 mi a year ÷ about 23 mpg (middle of the EPA figures for the 2026 TX) = 521.7 gallons × $5.275 a gallon (EIA U.S. average premium, week of Oct 26) = $2,752 a year = $229 a month city 21 to highway 27Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Nov 2.
Real Lease Cost™ (everything you pay), each month$1,273
Sources and read dates
- The listed payment the Leasehackr Marketplace listing, read Nov 2.
- Fees at signing the Leasehackr Marketplace listing, read Nov 2. 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 2. 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 Oct 26; electricity, August 2026). Read Nov 2.
about = our guess
See the math
How each part is worked out:
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