2026 Toyota Sienna XLE

The seller says they will pay you $2,500, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 31 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $126/mo: about 34 mpg (EPA), U.S. average price

Lease ends May 2029 (31 months left)

31 months left, about $16,500 in all. Transfer fee about $500. Seller pays you $2,500.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $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 $531 a month. Most of the difference is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).

The listed payment$227

1. Cash the seller says they will pay you, each month- $81
2. Transfer fee about $500 (the listing does not say), spread over 31 months+ $16
3. 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.)+ $14
4. Miles: you drive 12,000 a year, the lease covers about 8,946 a year (from the miles left and months left)+ $64
5. Insurance (about) for the U.S. average (range $130 to $200). Type yours.+ $165
6. Gas (about)+ $126

Real Lease Cost, each month$531

LeaseTrader, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 39 months.

$3,720 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $102/mo: 42 mpg (EPA), U.S. average price

Offer ends Nov 30

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $279 a month. With everything added, it is $675 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).

The listed payment$279

1. Fees due when you sign ($3,720), spread over 39 months+ $95
2. 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.)+ $17
3. Miles: you drive 12,000 a year, the lease covers 12,000+ $0
4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
5. Gas (about)+ $102

Real Lease Cost, each month$675

Toyota offers page, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 36 months.

$1,439 due at signing, besides the first payment (in the monthly).

Seller’s own numbers

Gas $84/mo: about 51 mpg (EPA), U.S. average price

Offer ends Nov 7 (in 4 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $361 a month. With everything added, it is $699 a month. The biggest piece is insurance, $142 a month (our estimate for the U.S. average, $114 to $170; type yours).

The listed payment$361

1. Fees due when you sign ($1,439), spread over 36 months+ $40
2. Tax, at the rate the ad states+ $34
3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
4. Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
5. Hybrid: gas (about)+ $84

Real Lease Cost, each month$699

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr pre-negotiated board, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 36 months.

$2,681 due at signing, besides the first payment (in the monthly).

Gas $186/mo: about 23 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $319 a month. With everything added, it is $793 a month. The biggest piece is our gas estimate, $186 a month.

The listed payment$319

1. Fees due when you sign ($2,681), spread over 36 months+ $74
2. 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.)+ $20
3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
5. Gas (about)+ $186

Real Lease Cost, each month$793

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

You take over someone’s lease. You pay their last 17 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $65/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Apr 2028 (17 months left)

17 months left, about $13,500 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $482 a month. With everything added, it is $794 a month. Most of the difference is insurance, $188 a month (our estimate for the U.S. average, $150 to $225; type yours).

The listed payment$482

1. Transfer fee about $500 (the listing does not say), spread over 17 months+ $29
2. 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.)+ $30
3. Miles: you drive 12,000 a year, the lease covers about 22,031 a year (from the miles left and months left)+ $0
4. Insurance (about) for the U.S. average (range $150 to $225). Type yours.+ $188
5. Electric: charging at home (about)+ $65

Real Lease Cost, each month$794

LeaseTrader, read Nov 3. Insurance and charging are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $3,156 due at signing used (in the monthly). Ask before you sign.

Gas $147/mo: about 29 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $349 a month. With everything added, it is $794 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).

The listed payment$349

1. Money due at signing: the ad does not say. We added $88 a month, the typical amount (median of 94 ads that state it in the same price band, read Nov 2 to Nov 3).+ $88
2. 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.)+ $21
3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
4. Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
5. Gas (about)+ $147

Real Lease Cost, each month$794

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.