Car running cost (TCO)
Calculate the true annual car running cost and total car cost per year, month and kilometre (TCO), including depreciation, fuel, insurance and maintenance.
Open calculatorCar lease payment
Equal monthly lease payments with a discounted residual buyout, initial payment and additional charges. The catalogue contains selected documented prices and offers; gaps remain explicit. This calculation is not a binding lease offer.
Contract terms and amounts
You can edit every parameter. Changing a date or browsing offers does not change the calculation until you apply an offer.
All form amounts must use the same basis. Changing this selection or the currency does not convert entered amounts: check them and enter the appropriate values.
All amounts and fees: PLN, Gross.
PLN
PLN
PLN
The model divides the nominal annual rate by 12 and holds it constant for the entire term. The effective annual cost rate and an advertised lease-cost percentage are different measures.
%
Additional charges and commission
Enter totals in the same currency and net/gross basis as the vehicle price. Separately paid charges are not added to the financed balance. Unknown fees require an entry; 0 is your assumption that a charge does not apply.
PLN
PLN
PLN
Simulation using your own assumptions
Monthly lease payment
1,653 PLNGross amounts; monthly payment rounded to a whole currency unit.
Total paid (down payment + all instalments)
79,524 PLNInitial payment and financing instalments only; excludes buyout and additional fees.
Total additional fees
0 PLN
Buyout and final fees
60,000 PLN
Total outlay including buyout and fees
139,524.37 PLNInitial payment + all instalments + buyout + entered fees. Totals use unrounded instalments.
Cost above the vehicle price
19,524.37 PLN
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- Outlay at the start of the contract
- 20,000 PLN
- Payments and fees before buyout
- 79,524.37 PLN
Model and assumptions
Equal monthly payments at the end of each month with a discounted final buyout. The nominal annual rate is divided by 12 and remains constant in the simulation, including when the documented offer uses a variable rate.
The result includes only entered costs in one currency and one net/gross basis. Insurance, GAP, servicing and other unspecified charges are not added automatically. VAT deductions and tax effects are not calculated.
A higher residual buyout lowers the monthly instalment but leaves a larger balloon payment at the end of the contract.
This is a simplified simulation, not a binding lease offer. The lessor must confirm availability and individual terms.
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Educational estimate only. Not medical, tax, legal or financial advice.