Check your car lease quote
Copy your quote in three steps. Get a clear cost breakdown.
Free · no account needed
See an example →Cadillac Escalade-V
Example numbers below. Check every amount against your written quote.
Choose a different car
This replaces your inputs. Save your worksheet below first if you want to keep it.
1. Your quote
Copy the prices from your written dealer quote.
Type the payment printed on the worksheet. Nothing is judged until you do.
Agreed price before fees and credits.
Bank residual as a percent of MSRP.
If the desk wrote 2.7, that is 0.00270. Confirm which format they used.
Acquisition and other financed fees.
Registration and other amounts not financed.
Where do I find these numbers?
- Quoted monthly
- “Monthly payment” or “Total monthly payment”. Use the figure that includes tax if the sheet shows tax.
- MSRP
- “MSRP”, “Sticker”, or “Gross MSRP”.
- Cap cost / selling price
- “Agreed value” or “Selling price”. If the sheet shows only “Gross capitalized cost”, subtract the financed fees it lists.
- Residual
- “Residual value”. Enter the percent, or switch to dollars if that is all the sheet shows.
- Money factor
- “Lease rate”, “MF”, or “Rent charge factor”. If the sheet shows an APR, switch to APR shorthand and the desk converts it.
- Term and miles
- “Term” and “Annual mileage allowance”.
- Cash down
- “Cap cost reduction” or “Cash down”.
- Trade equity and rebates
- “Net trade allowance”; “Rebate”, “Lease cash”, or “Incentive”.
- Fees rolled into cap
- “Acquisition fee” when financed, plus any capitalized add-on.
- Fees paid in cash
- “Registration”, “Title”, “License”, “Documentation fee” — amounts paid at signing, not financed.
- Sales tax
- The monthly rate applied to the payment. If your state taxes the whole cap cost up front, the desk cannot model that sheet yet.
If the sheet shows only a payment and an amount due at signing, you cannot audit it yet. Go back to the request list above.
Save or reopen a worksheet
Saved worksheets
Keep one named sheet in this browser. Saving more quotes is a Buying Pass feature. Nothing is uploaded.
In this browser
Reading saved sheets…
Compare sheets
Compare your current inputs against the one worksheet saved in this browser.
Waiting for saved sheets…
Check a VIN and explore insurance options
Optional checks alongside your worksheet. Applying a matched VIN’s catalogue values replaces the current inputs.
VIN check
Official year, make, model, EPA fuel economy, NHTSA recalls, complaints, and crash ratings. Not a safety inspection.
Insurance
$3,200/ yr catalog estimate
Luxemetry is not an insurance agent and cannot bind coverage. Catalog figures are agreed-value planning numbers for Cadillac Escalade-V. Start a quote with a carrier — we do not receive a live rate from them.
- Quote with Hagerty ↗Agreed-value collector policies — the usual first call for a luxury car.
- Quote with Grundy ↗Agreed-value and mileage-limited policies.
- Quote with GEICO ↗Standard auto quote. Confirm agreed-value vs actual-cash-value.
- Quote with Progressive ↗Standard auto quote. Exotic programs vary by state.
Need help getting a written quote?
Ask your dealer for these details before checking the figures.
- 01
A printed, dated worksheet. Ask for it by email, not a verbal payment. A payment without a worksheet is not a quote you can compare.
- 02
Selling price, shown separately from MSRP. Before fees and credits. This is the number to negotiate first.
- 03
Residual as a percent of MSRP, and in dollars. For your exact term and mileage tier. Never a percent of the selling price.
- 04
Money factor to five decimals, plus the bank buy rate. 0.00270, not 2.7. Ask the desk to write the lender's base rate next to it.
- 05
Every capitalized item by name and price. Protection products, service contracts, and fees rolled into the cap cost.
- 06
How tax is collected. Monthly on the payment, or due at signing. It changes what cash at signing means.
- 07
Quote date and expiry. Lease programs change monthly. An undated sheet cannot be compared with next week's.
If the desk will not put these in writing, you do not yet have a quote to compare.
See the same lines on a worked sheet: How to read a Porsche 911 lease worksheet.
When to ask more questions
The sheet’s own arithmetic
Money factor more than 0.00030 above the 0.00270 baseline. The verdict prices the extra rent charge in dollars. Ask for the buy rate and challenge the markup.
Residual 2 or more points under the modeled residual for your term and mileage. Confirm the lender's residual table. A low residual raises every payment.
Cap cost above MSRP. Ask the dealer to separate any vehicle price premium from fees and add-on products, with each amount itemized.
Printed payment more than $1 from the recomputed payment after checking the fields twice. Something is in the payment that is not on the sheet. Hold until the desk explains it.
What no calculator can see
The desk will not write the bank buy rate on the sheet. You cannot tell markup from the lender's rate.
Residual is computed from the selling price. Residual is a percent of MSRP. Anything else understates the payment or invents a residual the bank will not honor.
Add-ons are described as mandatory. Ask which requirement comes from the lender, and request a separate price and written terms for each product before accepting it.
You were given a payment but no worksheet. There is nothing to audit. Ask for the sheet.
The baseline is a modeled shopper figure, not a live bank buy rate or a lender residual table. Conditions describe when this sheet’s arithmetic no longer supports a counter, not advice about a particular dealer.
What a fat sheet hides, and what the term total leaves out
What a fat sheet usually hides
Money-factor markup. The bank buy rate is fixed. The number on the worksheet is often a few points higher. That extra rent charge is dealer profit, not interest the bank requires.
Add-ons in the cap cost. Paint protection, nitrogen, and service contracts disappear into capitalized cost. If the selling price you were told does not match the cap cost on the sheet, start there.
Residual quoted on the wrong base. Residual is a percent of MSRP. A desk that applies it to the negotiated price will understate the payment or invent a residual the bank will not honor.
Not in the full term cost — get each in writing
The desk models the lease itself. These charges sit in the contract and are not priced here; record them from the paperwork rather than an estimate.
Disposition fee. Charged at turn-in unless waived. Get the amount and the waiver conditions.
Excess-mileage rate. Per mile over the allowance. Ask what allowance it starts from.
Excess wear-and-tear standard. What counts as excess, and who inspects.
Early-termination method. How the payoff is calculated if you end the lease early.
Purchase-option price. The buyout at lease end, and any purchase-option fee.
Gap coverage. Included by the lender, or bought separately — and from whom.
Security deposit. Refundable or not, and whether multiple security deposits lower the money factor.
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.
Common questions
Frequently asked questions
- What does Deal Desk check?
- It recomputes the monthly payment from the worksheet fields you enter — MSRP, cap cost, residual, money factor, term, mileage, tax, and fees — then compares that figure with the payment the dealer printed. A gap usually means a marked-up money factor, an unlisted add-on in the cap cost, or a field entered in the wrong format.
- Is this the same as the lease calculator?
- The lease calculator is a planner: you choose assumptions and see a payment. Deal Desk is an auditor: you start from a printed quote and ask whether those numbers are internally consistent. Same formula, different job.
- Why might a matching sheet still be a bad deal?
- Consistency is not value. A worksheet can add up correctly and still carry a padded money factor or a cap cost above MSRP. Use the gap to find hidden math; use the money factor and residual themselves to decide whether to walk.
- Do you store the quote I enter?
- Not on this page. The numbers stay in this browser. You can save one named worksheet in local storage so a refresh does not wipe it. Nothing is uploaded from the free auditor. The separate Buying Pass workspace supports account-based quote storage and dated revisions. Public checkout is not open yet.
- What is free here, and what does the Buying Pass add?
- Free: the recomputed sheet, the verdict, the itemized report, the dealer questions, and one saved worksheet in this browser. The Buying Pass adds saved quotes with dated revisions, full-cost comparison, and a purchase decision brief. Public checkout is not open yet. Try the complete fictional workspace to see the comparison and reports.
Related
Plan a payment from assumptions, then read the two terms that actually move the quote.