Sample workspace

Would you pick the lowest payment?

Four sheets for the same Porsche 911: three you can rank, one you cannot, and a revised sheet with a lower payment. Compare what you pay now with what you commit over the term, then try changing a number. Free to explore, with no signup.

Editorial illustration of a silver Porsche 911 — Porsche 911 · illustration · fictional offers

Compare sample offers

Four fictional quotes. Choose one below to edit its numbers or get a report.

Comparison result

Offer C has the lowest total cost.

$91,740.03 over 36 months

Offer A has the lowest monthly payment, but costs $11,967.77 more overall.

Sample calculations, not available offers or guaranteed savings. Insurance, running costs and lease-end charges are excluded.

Offer D is left out of the ranking: different term, annual mileage, residual. Ask that desk to requote at 36 months and 10,000 miles a year on the same residual basis, then compare again.

Choose a sheet to explore

Fictional quotes

Offer A: why this offer needs attention

Walk · Unless they take $7,379 off the term

Estimated monthly budget, including running costs

$3,510all-in / mo

Lease: $2,881
Insurance: $283
Maintenance: $183
Energy: $163

$11,967.77 more than Offer C over the term.

Numbers worth challenging: $7,379 over the term vs catalog baseline.

Lease effective $2,881/mo. All-in with catalog insurance, maintenance, and energy: $3,510/mo. The check covers the sheet's own arithmetic against a modeled baseline — not your credit tier, the lender's current program, or whether the price is competitive in your market.

Printed and computed payments count as matching within $1.

Catalog baseline for Porsche 911 · modeled residual 63.0% at your term and mileage · money factor 0.00270 · snapshot August 2026. The baseline is a modeled shopper figure, not a live bank buy rate or a lender residual table.

Money factor sits above our catalog baseline. Sheet 0.00320 vs catalog 0.00270. That rent charge is about $4,987 extra over 36 months. The baseline is a modeled shopper figure, not a live bank buy rate or a lender residual table.
Cap cost is above MSRP. $2,000 over sticker is usually protection products or fees rolled into the lease. Taking cap back to MSRP is about $2,392 over the term.

Say this at the desk

The money factor 0.00320 is above a 0.00270 shopper baseline. That is about $4,987 extra over 36 months. Please write the bank buy rate on this worksheet. Cap cost is $2,000 above MSRP. Taking it back to sticker is about $2,392 over the term. Which products were capitalized? These figures are Luxemetry catalog estimates, not a live lender quote.

Compare all numbers

Cash down lowers the payment. Compare the cash at signing and every payment over the term to see the commitment.

Cash at signing = cash down + fees paid in cash + first payment. Full term cost = cash at signing + the remaining payments + trade equity. Insurance, running costs and lease-end charges are not included.

Swipe the table to compare all four sheets →

Financial comparison of four fictional dealer quotes
Metric	Offer A+$11,968 vs lowest total	Offer B+$12,141 vs lowest total	Offer CLowest total	Offer DNot ranked · different term, annual mileage, residual
Term / annual miles	36 mo / 10,000 mi	36 mo / 10,000 mi	36 mo / 10,000 mi	24 mo / 7,500 mi
Quoted monthly	$2,014.11	$2,852.24	$2,431.67	$2,782.09
Computed monthly	$2,014.11	$2,852.24	$2,431.67	$2,782.09
Gap	+$0.00	+$0.00	+$0.00	+$0.00
Money factor	0.00320	0.00290	0.00240	0.00270
MSRP	$175,000	$175,000	$175,000	$175,000
Cap cost	$177,000	$175,000	$169,750	$171,500
Residual	$110,250 · 63.0%	$110,250 · 63.0%	$110,250 · 63.0%	$124,250 · 71.0%
Tax rate	7.25%	7.25%	7.25%	7.25%
Cash down	$30,000	$0	$3,000	$5,000
Trade equity	$0	$0	$0	$0
Fees rolled into cap	$1,095	$1,095	$1,095	$1,095
Fees paid in cash	$1,200	$1,200	$1,200	$1,200
Cash at signing	$33,214.11	$4,052.24	$6,631.67	$8,982.09
Full term cost	$103,707.80	$103,880.53	$91,740.03	$72,970.16
Vs lowest total	+$11,967.77	+$12,140.50	Lowest	Not ranked
Cost per mile	$3.46	$3.46	$3.06	$4.86
Effective monthly	$2,881	$2,886	$2,548	$3,040
All-in monthly	$3,510	$3,515	$3,178	$3,629

Cost per mile divides modeled cost by the full allowance, not the miles you will actually drive. Different terms and allowances still buy different use; this ratio does not make the offers comparable.

What these results mean

Four fictional offers for the same Porsche 911. These are learning examples, not available deals. Edits stay in this visit; no account or payment is needed.

What this comparison shows

Offer A has the lowest payment ($2,014.11) and costs $11,967.77 more than Offer C over 36 months. Its $30,000 cash down buys the low payment.
Offer B's sheet adds up — nothing to challenge against the catalog baseline — and it is still $12,140.50 more than Offer C. “Adds up” and “cheapest” are different findings.
Offer D's total ($72,970.16) is not a like-for-like number: it buys 24 months and 15,000 miles. Cost per allowed mile ($4.86) does not resolve those differences.

What it cannot tell you

The money-factor check compares against one modeled catalog baseline (0.00270), not a lender buy rate for your credit tier or region.
Totals exclude disposition, excess mileage, excess wear, early termination, and gap coverage.
Cash down lowers the payment but is not a refundable security deposit. GAP generally covers a payoff shortfall, not reimbursement of your initial cash down. Check the contract and insurance terms for total loss and early termination; a lower modeled total does not measure that exposure.
None of it says whether the selling price is competitive in your market.

Explore insurance options (optional)

Insurance

$3,400/ yr catalog estimate

Luxemetry is not an insurance agent and cannot bind coverage. Catalog figures are agreed-value planning numbers for Porsche 911. Start a quote with a carrier — we do not receive a live rate from them.