LeaseWorth: Lease Calculator

Is the lease payment the dealer quoted actually right? Check the worksheet before you sign. LeaseWorth is a car lease calculator that reads the dealer's worksheet on your phone, rebuilds the payment from the worksheet's own terms, shows the money factor as an APR, and tells you the true monthly cost once drive-off cash is counted. If the worksheet leaves the money factor off, LeaseWorth works out the rate the payment implies. No ads. No account. No phone number, so no sales calls. Nothing you scan or type is ever uploaded. You get a plain-English diagnosis: the true effective monthly cost, the money factor as an interest rate, the drive-off cash you could lose, your mileage exposure, the tax assumptions used, and the questions worth asking before you sign. HOW IT WORKS 1. Scan or import. Photo, screenshot, HEIC, or a single- or multi-page PDF. No worksheet yet? Open the lease calculator and enter the figures yourself. 2. Confirm every number. Each figure is marked Confirmed, Please check, or Missing, beside the exact text it was read from. Nothing is diagnosed until every figure LeaseWorth read is confirmed — by you, or automatically when the page itself proves it. A missing money factor or residual is worked out from the confirmed figures and labeled derived. 3. Get the diagnosis. Simplest answer first, full detail behind it. WHAT YOU GET - True effective monthly cost: upfront cash spread across the full term, so a low teaser payment cannot hide a large drive-off. - Payment check: LeaseWorth rebuilds the payment from the worksheet's own terms and tells you when the quote is higher, to the cent, with the likely reasons. A lower quote is not automatically good either. - Rate check: the money factor as an interest rate. - Drive-off breakdown: what is refundable, and what is at risk if the car is totaled. - Mileage exposure: projected overage cost at the miles you expect to drive. BUILT FOR LEASES, NOT LOANS Eight lease-native calculators: money factor to rate, residual percent to dollars, mileage pace, buyout, multiple security deposits (MSD), one-pay, early termination, and lease vs. buy. A quick check covers an advertised offer when you have no worksheet. EVERY STATE'S LEASE TAX METHOD All 50 states plus D.C. — each with its method, the source it was taken from, and the date it was last reviewed, shown in the app. HONEST BY DESIGN LeaseWorth refuses false certainty. No markup verdict without a buy rate. No invented termination penalties. Verdicts use only confirmed figures and any derived from them. Dealers are entitled to a fair profit; you are entitled to know what you are paying for. LeaseWorth is an independent analysis, not an offer, an appraisal, or financial advice. PRIVATE BY ARCHITECTURE Reading and math happen on your phone. No sign-in, and no VIN, phone number, or email required. Your worksheet is never uploaded or sold to dealers or lenders. Delete everything instantly, any time. FREE, AND STAYS FREE: everything above, plus saved deals, Compare, all 8 calculators, every state's lease-tax rules, and My Lease: log the odometer on any lease you sign to see your mileage pace, payments left and any overage cost. No ads, no scan limit. LEASEWORTH FOREVER (OPTIONAL, ONE PURCHASE, NO SUBSCRIPTION, SHARED WITH YOUR FAMILY): Target payment shows the selling price that produces the payment you have in mind, at the worksheet's own rate and residual. What-if changes cash down, selling price, money factor or dealer add-ons and shows the difference beside the original. The Lease-end plan in My Lease lays out the inspection, decision and turn-in dates, with the lease's buyout and early-exit figures. Try Target payment and What-if on the sample worksheet, and the plan on the sample lease. LeaseWorth has no servers. If you buy LeaseWorth Forever, Apple handles the purchase. Methodology: https://leaseworth.app/methodology/ Privacy Policy: https://leaseworth.app/privacy/ Terms of Use: https://leaseworth.app/terms/