Lotus · Sports Car
Lotus Emira Lease Calculator
Lotus's send-off for its combustion sports cars — a supercharged V6 with a manual gearbox option, before the brand's shift to electric.
Est. lease payment
$1,550
36 mo · 10,000 mi/yr
Due at signing
$13,850
10% down + fees
3-year retention
66%
$37,740 lost
True cost per month
$1,424
All-in, 5-year ownership
Baseline assumptions: 6.48% equivalent APR (0.0027 money factor), 7.25% sales tax, 55% residual. Data snapshot: August 2026. How estimates are built. Adjust everything below.
Build your Emira lease
Pre-filled with Lotus Emira 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.
3.0% below MSRP
Term & usage
Longer terms lower the residual; higher mileage lowers it further.
55% of MSRP = $61,050Estimated from a 55% 36-month baseline, adjusted for your term and mileage.
Money & taxes
Money factor is the lease equivalent of an interest rate.
Equivalent to 6.48% APR
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, typically $995–$1,595 on luxury brands.
Registration, doc fee, and title paid in cash.
Lotus Emira — estimated
$1,550
per month for 36 months
1.40% of MSRP per month
- Depreciation66%$1,017
- Finance charge28%$429
- Sales tax7%$105
What each monthly payment is made of.
Down payment + upfront fees + first month
Price + financed fees − cash, trade, rebates
55% of MSRP
6.48% equivalent APR
30,000 miles included
Signing cash + all monthly payments
Lotus Emira at a glance
- MSRP
- $111,000
- Powertrain
- 3.5L supercharged V6
- Horsepower
- 400 hp
- 0–60 mph
- 4.2 sec
- Fuel economy
- 21 mpg
- Class
- Sports Car
Emira depreciation curve
End-of-line status supports values the way it did for the Audi R8. Manual V6 cars are the ones the used market wants and they retain noticeably better than the automatics.
Projected resale value
From $111,000 MSRP over five years.
Year by year
| Year | Value | Retained |
|---|---|---|
| Year 1 | $91,020 | 82% |
| Year 2 | $81,030 | 73% |
| Year 3 | $73,260 | 66% |
| Year 4 | $66,600 | 60% |
| Year 5 | $61,050 | 55% |
What a Emira costs to run
Estimated annual running costs excluding depreciation, at 5,000 miles per year.
| InsuranceAgreed-value policy, per year | $2,900 |
|---|---|
| MaintenanceScheduled service and wear items, per year | $2,200 |
| FuelAt 5,000 miles per year | $929 |
| Registration & fees1.2% of value, varies by state | $1,092 |
| Total per yearBefore depreciation | $7,121 |
Five-year total cost
Everything included, at 5,000 miles per year.
- Depreciation
- $49,950
- Insurance
- $14,500
- Maintenance
- $11,880
- Fuel
- $4,643
- Registration & fees
- $4,476
- Five-year total
- $85,448
That is $1,424 per month, or $3.42 for every mile driven.
Lotus Emira — common questions
- How much is it to lease a Lotus Emira?
- At an MSRP of $111,000, a 36-month lease with 10,000 miles per year, a 0.0027 money factor, and $11,100 down works out to roughly $1,550 per month, with about $13,850 due at signing. Over the full term that is approximately $68,115. Your actual payment depends on the money factor and residual your dealer and leasing bank offer.
- What is the residual value on a Lotus Emira lease?
- A typical 36-month, 10,000-mile residual for the Lotus Emira is around 55% of MSRP, or about $61,050. 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 Lotus Emira depreciate?
- The Lotus Emira is modeled to retain about 66% of its value after three years and 55% after five, meaning a loss of roughly $37,740 in the first three years. End-of-line status supports values the way it did for the Audi R8. Manual V6 cars are the ones the used market wants and they retain noticeably better than the automatics.
- What does it cost to own a Lotus Emira per year?
- Including depreciation, insurance, maintenance, fuel, and registration, the Lotus Emira is estimated at about $17,090 per year over five years at 5,000 miles annually — roughly $1,424 per month. Depreciation alone accounts for 58% of that.
- How much is insurance on a Lotus Emira?
- Budget around $2,900 per year for an agreed-value policy on the Lotus Emira, 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 Lotus Emira?
- The Lotus Emira retains about 66% 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
Path to own
How long until you can own this?
Carrying a Lotus Emira costs about $2,043 a month once finance and running costs are combined — implying roughly $10,215 of net monthly income at 20% of net monthly income, plus $13,850 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 Emira math
Take the same figures into the other calculators.