$984 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 $449. 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 says$449
Money due when you sign ($3,999), spread over 36 months+ $111
Tax, our estimate (the ad gives no tax rate)+ $27
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.+ $19
Insurance estimate, $150 to $260 (similar for most cars)Estimate, $150 to $260. We use a figure in the upper part so the total is not too low.+ $220
Gas, our estimate27 mpg at $4.269/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)+ $158
The cheapest live car in the table is the 2026 Toyota Corolla at $562 all-in. This car is $422 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 Toyota Crown XLE
Monthly payment in the ad
$449 plus tax
Months on the lease
36
Due when you sign
$4,448. It includes your first payment of $449. The other $3,999 is fees and any money down, and we count all of it.
That $3,999, spread over 36 months
$111 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
$560
Tax, each month
$27
Monthly cost after tax
$587
Lease cost over all the months, before tax
$20,163
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. Not in the total: if you pay for extra miles when the lease ends, the rate is $0.25 a mile (as the ad states).
Insurance, our estimate
$220 a month. Estimate, $150 to $260. We use a figure in the upper part so the total is not too low.
Gas, our estimate
$158 a month (27 mpg at $4.269/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All in, each month
$984
All in, over all the months, our estimate
$35,424
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
MSRP
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$560
Effective monthly, after tax
$587
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Photo of this model from another year, not this exact car.Photo: HJUdall, CC0
Someone’s lease to take over (you pay their last 31 months)
The ad says $227 a month. The seller says they will pay you $2,500 to take it over, about $81 a month. With everything added, the real cost is $562 a month. Most of the difference is our insurance estimate, $200 a month.
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