Leasing Calculator 2026

Enter the vehicle price, initial deposit percentage, residual value percentage, annual interest rate and lease term in months. The calculator applies the leasing annuity formula and shows the monthly payment and total cost.

Financed amount = price − deposit. Amount to repay = financed amount − residual value. Monthly lease payment = annuity on (amount to repay) + residual_value × monthly_rate.

The initial deposit (wpłata wstępna) is a one-off upfront payment — typically 0–45% of the vehicle value. A higher deposit lowers the monthly instalments and reduces the financed amount.

The residual value (wartość rezydualna) is the percentage of the vehicle price you pay at the end of the lease to take ownership. A lower residual value means higher monthly payments but a cheaper buy-out at the end.

Operating lease: instalments deducted as business expenses, vehicle on lessor's balance sheet — most popular for businesses, tax-efficient. Finance lease: vehicle on lessee's balance sheet, depreciated by the lessee.

Lease payments are usually lower than loan instalments for the same vehicle because part of the value is deferred to the residual. Total cost depends on the contract terms and the planned buy-out.

Leasing is primarily available to businesses (sole traders, companies) and is especially tax-efficient for VAT-registered entrepreneurs. Individuals can use consumer leasing, though conditions are less flexible.

The lease payment covers capital repayment and interest only. Vehicle insurance (OC/AC), servicing, road tax and GAP insurance are additional costs borne by the lessee.

You have three options: buy the vehicle for the residual value, extend the lease, or return the vehicle to the lessor. It is worth deciding and negotiating the buy-out price well in advance.

No — the calculator shows net payments (excluding VAT). In operating leases, VAT on instalments is a deductible business expense for VAT-registered companies. Gross payment = net payment × 1.23.