Ferrari · Supercar
Ferrari SF90 Lease Calculator
Est. lease payment
$6,592
36 mo · 10,000 mi/yr
Due at signing
$60,192
10% down + fees
3-year retention
71%
$151,960 lost
True cost per month
$5,440
All-in, 5-year ownership
Baseline assumptions: 6.48% comparison shorthand (0.0027 money factor, not loan APR), 7.25% sales tax, 58% residual. Data snapshot: August 2026. How estimates are built. Adjust everything below.
Build your SF90 lease
Pre-filled with Ferrari SF90 figures. Change anything — the dealer's money factor and the bank's residual are the two numbers worth asking for by name.
The vehicle
Start with sticker, then the price you actually negotiated.
Residual value is always calculated from MSRP.
4.0% below MSRP
Term & usage
Longer terms lower the residual; higher mileage lowers it further.
58% of MSRP = $303,920Estimated from a 58% 36-month baseline, adjusted for your term and mileage.
Money & taxes
Money factor is the lease rent-rate input.
≈ 6.48% comparison shorthand
Most states tax the monthly payment, which is what this uses.
Cash & fees
Down payment and trade-in reduce the capitalized cost.
A large down payment is not protected if the car is totaled.
Acquisition fee and anything else financed. Ask the desk to state the lender's acquisition fee and whether it is capitalized.
Registration, doc fee, and title paid in cash.
Ferrari SF90 — estimated
$6,592
per month for 36 months
1.26% of MSRP per month
- Depreciation62%$4,106
- Finance charge31%$2,040
- Sales tax7%$446
What each monthly payment is made of.
Down payment + upfront fees + first month
Price + financed fees − cash, trade, rebates
58% of MSRP
6.48% comparison shorthand; inspect the dollar rent charge
30,000 miles included
Signing cash + all monthly payments
Keep these numbers. Check the next offer.
Carry your inputs into the free Deal Desk. This is a planning estimate; enter the dealer's actual payment when you have a written quote.
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Before you sign for this SF90 — five checks
- 01
Agreed value to beat. The catalog models the SF90 at about $503,040 against $524,000 MSRP. Negotiate this line before the payment.
- 02
Residual to confirm. Modeled 58.0% of MSRP at 36 months and 10,000 miles a year. Ask for the lender's figure for your term and mileage, in writing.
- 03
Bank buy rate. Ask the desk to write the lender's base money factor next to the one on the sheet. The catalog baseline is 0.00270.
- 04
Capitalized add-ons. Every item rolled into the cap cost, by name and price.
- 05
Exit terms. Disposition fee, excess-mileage rate, wear standard, and purchase-option price — on the worksheet, not verbal.
Catalog figures, snapshot August 2026. Replace them with the numbers on the printed worksheet.
Full breakdown
Ferrari's 986-horsepower plug-in hybrid flagship, and a rare case of a halo car softening on the used market.
Ferrari SF90 at a glance
- MSRP
- $524,000
- Powertrain
- 4.0L twin-turbo V8 plug-in hybrid
- Horsepower
- 986 hp
- 0–60 mph
- 2.5 sec
- Fuel economy
- 17 mpg
- Class
- Supercar
SF90 depreciation curve
The SF90 is the exception to Ferrari's retention reputation. Higher production than expected plus buyer caution around complex hybrid systems have pushed used prices meaningfully below sticker.
Projected resale value
From $524,000 MSRP over five years.
Year by year
| Year | Value | Retained |
|---|---|---|
| Year 1 | $450,640 | 86% |
| Year 2 | $408,720 | 78% |
| Year 3 | $372,040 | 71% |
| Year 4 | $345,840 | 66% |
| Year 5 | $319,640 | 61% |
What a SF90 costs to run
Estimated annual running costs excluding depreciation, at 5,000 miles per year.
| InsuranceAgreed-value policy, per year | $11,800 |
|---|---|
| MaintenanceScheduled service and wear items, per year | $6,400 |
| FuelAt 5,000 miles per year | $1,147 |
| Registration & fees1.2% of value, varies by state | $5,408 |
| Total per yearBefore depreciation | $24,755 |
Five-year total cost
Everything included, at 5,000 miles per year.
- Depreciation
- $204,360
- Insurance
- $59,000
- Maintenance
- $34,560
- Fuel
- $5,735
- Registration & fees
- $22,763
- Five-year total
- $326,418
That is $5,440 per month, or $13.06 for every mile driven.
Ferrari SF90 — common questions
- How much is it to lease a Ferrari SF90?
- At an MSRP of $524,000, a 36-month lease with 10,000 miles per year, a 0.0027 money factor, and $52,400 down works out to roughly $6,592 per month, with about $60,192 due at signing. Over the full term that is approximately $290,906. Your actual payment depends on the money factor and residual your dealer and leasing bank offer.
- What is the residual value on a Ferrari SF90 lease?
- A typical 36-month, 10,000-mile residual for the Ferrari SF90 is around 58% of MSRP, or about $303,920. Residual percentages are set by the leasing bank rather than the dealer and are not negotiable, though they change with term length and mileage allowance.
- How much does a Ferrari SF90 depreciate?
- The Ferrari SF90 is modeled to retain about 71% of its value after three years and 61% after five, meaning a loss of roughly $151,960 in the first three years. The SF90 is the exception to Ferrari's retention reputation. Higher production than expected plus buyer caution around complex hybrid systems have pushed used prices meaningfully below sticker.
- What does it cost to own a Ferrari SF90 per year?
- Including depreciation, insurance, maintenance, fuel, and registration, the Ferrari SF90 is estimated at about $65,284 per year over five years at 5,000 miles annually — roughly $5,440 per month. Depreciation alone accounts for 63% of that.
- How much is insurance on a Ferrari SF90?
- Budget around $11,800 per year for an agreed-value policy on the Ferrari SF90, though quotes vary widely with driving record, garaging location, annual mileage, and the insurer's appetite for the model. Specialty collector policies with mileage limits can cost considerably less.
- Is it better to lease or buy a Ferrari SF90?
- The Ferrari SF90 retains about 71% of its value after three years, which is a meaningful loss to absorb personally. Leasing shifts that risk to the bank and is often the cheaper route over a three-year horizon, particularly if the manufacturer is subsidizing the money factor. Compare both with your own numbers before deciding.
Compare with
Same 36-month, 10,000-mile baseline. All-in adds catalog insurance, maintenance, and energy to the effective lease cost.
Lamborghini
Revuelto
- MSRP
- $608,000
- Est. lease
- $9,514/mo
- All-in
- $13,027/mo
- Residual
- 66%
- 3-yr retention
- 85%
Ferrari
296 GTB
- MSRP
- $342,000
- Est. lease
- $4,585/mo
- All-in
- $6,949/mo
- Residual
- 66%
- 3-yr retention
- 82%
McLaren
750S
- MSRP
- $331,000
- Est. lease
- $4,406/mo
- All-in
- $6,800/mo
- Residual
- 53%
- 3-yr retention
- 62%
McLaren
Artura
- MSRP
- $254,000
- Est. lease
- $3,428/mo
- All-in
- $5,438/mo
- Residual
- 50%
- 3-yr retention
- 58%
Path to own
How long until you can own this?
Carrying a Ferrari SF90 costs about $8,361 a month once finance and running costs are combined — implying roughly $41,807 of net monthly income at 20% of net monthly income, plus $60,192 up front. Enter your own figures to see which of those two is actually your constraint, and when it clears.
Calculate how many years away you are →More SF90 math
Take the same figures into the other calculators.