Real Lease Cost

2026 Toyota Tundra CrewMax Platinum

A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.

Ad $1,088$500/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$1,088

  1. Seller’s cash- $1,055
  2. Transfer fee (about)+ $15
  3. Tax (about)+ $66
  4. Extra miles+ $0
  5. Insurance (about)+ $178
  6. Gas (about)+ $208

Real Lease Cost™ (everything you pay), each month$500

Sources and read dates
  • The listed payment the LeaseTrader listing, read Nov 5.
  • Seller’s cash the LeaseTrader listing, read Nov 5.
  • Transfer fee (about) the LeaseTrader 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 LeaseTrader listing, read Nov 5. 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 Nov 2; electricity, August 2026). Read Nov 5.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas at 12,000 miles a year at U.S. average prices. The receipt adds every cost.

An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate

Lease ends Jul 2029 (33 months left)

Your miles or state are different?

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Listed in Lincoln, CA Take-over LeaseTrader Gas Truck Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

2026 Toyota Tundra (photo for reference, not the listed car)
Photo of this model, not this exact car. Credit: Gogerr, CC BY-SA 4.0, via Wikimedia Commons

Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost 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.

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Incentives

  • $34,804 Cash from the seller counted

    The seller says they will pay you $34,804 to take it over, about $1,055 a month. Counted: spread over the months left and taken off the monthly price.

    Source: the LeaseTrader listing, read Nov 5. The seller says it; we have not checked it.

Rule: an incentive counts only when its source says it comes on top of the advertised payment, so nothing is taken off twice. Offers for a group count only when you say you are in it.

What a take-over means

You take over someone’s lease. You pay their last 33 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

  • Model year: 2026.
  • Miles left on the lease: about 44,700, as the listing states them.
  • Transfer fee: about $500 (the listing does not say). Ask the leasing company (the bank that owns the car), not the seller.
  • The seller says they will pay you $34,804. We take it off the monthly price.

Real Lease Check™

How this price compares

Not confirmed, so we do not call it low

At 12,000 miles a year and U.S. average costs, all 148 other similar trucks we price today cost more than this one.

vs 148 truck deals today, at 12,000 miles and U.S. average costs

This check looks at price only. It cannot say whether the car fits you.

The math behind this

About 100 of every 100 similar trucks we price today cost more than this one. Pool: the live ranked truck deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car that is not confirmed counts at its worse number.

Facts stated by the source on Nov 5, 2026.

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 Tundra CrewMax Platinum
Monthly payment in the ad$1,088 plus tax
Months on the lease33
Sticker pricenot in the listing
Tax rate used6.10% (our estimate, the source stated none). Basis: not stated, tax added here
Monthly cost before tax, money due at signing spread out$48
Tax, each month$66
Monthly cost after tax$114
Lease cost over all the months, before tax$1,588
Transfer fee, our estimate$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you$34,804
Money you pay up frontnot stated by the source, counted as $0 until you confirm
Miles a year the lease allowsabout 16,262 a year (from the miles left and months left)
Extra miles to reach your 12,000 a yearThe lease covers your miles, so extra miles cost nothing.
Insurance, our estimate$178 a month for the U.S. average (range $142 to $214). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read Oct 31, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate$208 a month (about 20 mpg, middle of the EPA figures for the 2026 Tundra; EIA U.S. average regular, week of Nov 2)
Real Lease Cost, each month$500
Real Lease Cost, over all the months, our estimate$16,500
Listing statuslive
Source readNov 5, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends Jul 2029 (33 months left)
MSRPnot in the listing
Cap reductionnot stated
Effective monthly, before tax$48
Effective monthly, after tax$114

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More deals like this (6 cars)

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2026 Toyota Corolla, a photo of this model, not the listed car

2026 Toyota Corolla LE

Ad $227$527/mo all-inestimate

Take-over, seller cash $2,500

Only one site lists this. Check it before you pay.

See this deal: 2026 Toyota Corolla

Why this price?

Gas

Ad$227

Real$527

Grey is the ad. Violet is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.

+$300 we added. Most of it is our estimate.

Why +$300? insurance $165, gas $122, extra miles $64, fees $16, tax $14, minus cash the seller pays you $81

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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 $122/mo: about 34 mpg (EPA), U.S. average price

Lease ends May 2029 (31 months left)

31 months left, about $16,300 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 $527 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)+ $122

Real Lease Cost, each month$527

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: HJUdall, CC0

2026 Toyota RAV4, a photo of this model, not the listed car

2026 Toyota RAV4 LE

Ad $279$672/mo all-inestimate

New lease

See this deal: 2026 Toyota RAV4

Why this price?

GasOne of the lowest costs for this kind of car

Ad$279

Real$672

+$393 we added. Most of it is our estimate.

Why +$393? insurance $182, gas $99, fees $95, tax $17

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Cheapest of 7 RAV4 offers nationwide

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 $99/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 $672 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)+ $99

Real Lease Cost, each month$672

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: RL GNZLZ from Chile, CC BY-SA 2.0

2026 Toyota Camry, a photo of this model, not the listed car

2026 Toyota Camry LE

Ad $279$677/mo all-inestimate

New lease

See this deal: 2026 Toyota Camry

Why this price?

HybridCosts less than most similar cars

Ad$279

Real$677

+$398 we added. Most of it is our estimate.

Why +$398? insurance $170, fees $111, gas $81, extra miles $19, tax $17

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Cheapest of 8 Camry offers nationwide

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

$3,999 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $81/mo: about 51 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 $677 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$279

  1. Fees due when you sign ($3,999), spread over 36 months+ $111
  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 10,000+ $19
  4. Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
  5. Hybrid: gas (about)+ $81

Real Lease Cost, each month$677

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

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: MercurySable99, CC BY-SA 4.0

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2026 MINI Cooper S, a photo of this model, not the listed car

2026 MINI Cooper S Hardtop 4 Door

Ad $471$571/mo all-inestimate

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Only one site lists this. Check it before you pay.

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Why this price?

Gas

Ad$471

Real$571

+$100 we added. Most of it is our estimate.

Why +$100? gas $161, insurance $142, tax $29, fees $17, minus cash the seller pays you $249

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The seller says they will pay you $7,226, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 29 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $161/mo: 32 mpg (EPA), U.S. average price

Lease ends Mar 2029 (29 months left)

29 months left, about $16,600 in all. Transfer fee about $500. Seller pays you $7,226.

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

The listed payment is $471 a month. The seller says they will pay you $7,226 to take it over, about $249 a month. With everything added, the real cost is $571 a month.

The listed payment$471

  1. Cash the seller says they will pay you, each month- $249
  2. Transfer fee about $500 (the listing does not say), spread over 29 months+ $17
  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.)+ $29
  4. Miles: you drive 12,000 a year, the lease covers about 12,857 a year (from the miles left and months left)+ $0
  5. Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
  6. Gas (about)+ $161

Real Lease Cost, each month$571

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander-93, CC BY-SA 4.0

2025 Chevrolet Equinox, a photo of this model, not the listed car

2025 Chevrolet Equinox EV LT

Ad $301$580/mo all-inestimate

Take-overNot confirmed

We could not confirm this deal’s numbers, so we rank it on the higher cost.

See this deal: 2025 Chevrolet Equinox

Why this price?

ElectricRanked on the higher figure

Ad$301

Real$580

+$279 we added. Most of it is our estimate.

Why +$279? insurance $178, charging $59, fees $24, tax $18

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You take over someone’s lease. You pay their last 21 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $59/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Jul 2028 (21 months left)

21 months left, about $12,200 in all. Transfer fee about $500.

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

The listed payment is $301 a month. With everything added, it is $580 a month. Most of the difference is insurance, $178 a month (our estimate for the U.S. average, $140 to $215; type yours).

The listed payment$301

  1. Transfer fee about $500 (the listing does not say), spread over 21 months+ $24
  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.)+ $18
  3. Miles: you drive 12,000 a year, the lease covers about 14,454 a year (from the miles left and months left)+ $0
  4. Insurance (about) for the U.S. average (range $140 to $215). Type yours.+ $178
  5. Electric: charging at home (about)+ $59

Real Lease Cost, each month$580

LeaseTrader, read Nov 5. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Elise240SX, CC BY-SA 4.0

2025 Cadillac LYRIQ, a photo of this model, not the listed car

2025 Cadillac LYRIQ Luxury

Ad $1,032$594/mo all-inestimate

Take-over, seller cash $10,400

Only one site lists this. Check it before you pay.

See this deal: 2025 Cadillac LYRIQ

Why this price?

Electric

Ad$1,032

Real$594

$438 less than the ad, after the seller’s cash

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Cheapest of 4 LYRIQ offers nationwide

The seller says they will pay you $10,400, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 13 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $70/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Dec 2027 (13 months left)

13 months left, about $7,700 in all. Transfer fee about $500. Seller pays you $10,400.

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

The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.

The listed payment$1,032

  1. Cash the seller says they will pay you, each month- $800
  2. Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
  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.)+ $64
  4. Miles: you drive 12,000 a year, the lease covers about 25,477 a year (from the miles left and months left)+ $0
  5. Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
  6. Electric: charging at home (about)+ $70

Real Lease Cost, each month$594

LeaseTrader, read Nov 5. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Matti Blume, CC BY-SA 4.0