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Lease takeover cost calculator

Enter what the seller is asking. We'll tell you the real all-in cost — including mileage projections — so you can compare it to a fresh lease apples-to-apples.

Lease terms

Monthly payment ($) Months remaining Cash from seller to you ($) What the seller is offering you to take this over. Enter 0 if none. Cash you owe seller ($) "Cash due at signing" — what the seller wants from you up front. Bank transfer fee ($) Charged by the lease bank, not us. Common fees: BMW ~$500, Ford ~$135, GM ~$625, Toyota/Lexus ~$200. See our bank breakdown.

Mileage

Current odometer reading (mi) Total miles allowed over full lease term Usually annual allowance × lease years. E.g. 12,000/yr × 3 = 36,000. How many miles you drive per month Overage fee per mile ($) Bank-charged at lease-end if you exceed the total allowance. $0.15–$0.30/mi typical.

Total all-in cost

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Over the remaining lease term

Effective monthly

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Total ÷ months left

Projected lease-end mileage

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Breakdown

Total monthly payments	—
Cash at signing (to seller)	—
− Cash from seller	—
Bank transfer fee	—
+ Projected mileage overage	—
Total all-in	—

This is an estimate, not a quote. It doesn't include insurance, shipping (if the buyer is out of state), wear-and-tear charges, or the lease's disposition fee at end of term. Your actual cost depends on your driving habits, the car's condition at turn-in, and any negotiated terms.

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