Last updated · Published by Luxemetry · Editorial methodology
Four Ferraris on the same lease assumptions
Search results will give you both $2,800 and $4,300 for a Roma. Neither number is usable until you know the residual percentage and the money factor.
Luxemetry's 36-month, 10,000-mile estimate for the Roma is about $3,235 a month at a 60% residual and a 0.0027 money factor (6.48% comparison shorthand, not loan APR). The 296 GTB is about $4,585 (66%), the Purosangue about $7,633 (68%), the SF90 about $6,592 (58%). Those are not dealer quotes.
All figures assume 36 months, 10,000 miles per year, a 0.0027 money factor (6.48% comparison shorthand, not loan APR), and Luxemetry's modeled market adjustment. Due at signing is the calculator's 10% down payment plus fees and the first month.
Read the monthly column against the residual column. Highest residual does not mean cheapest lease. The market adjustment is the missing term.
Roma. MSRP $247,000. Residual 60% ($148,200). Market adj. −1%. About $3,235 a month. Due at signing $29,135.
296 GTB. MSRP $342,000. Residual 66% ($225,720). Market adj. +5%. About $4,585 a month. Due at signing $39,985.
Purosangue. MSRP $430,000. Residual 68% ($292,400). Market adj. +20%. About $7,633 a month. Due at signing $51,833.
SF90. MSRP $524,000. Residual 58% ($303,920). Market adj. −4%. About $6,592 a month. Due at signing $60,192.
Residual helps. Market adjustment can erase it.
A lease is a rental of depreciation. The bank forecasts residual as a percentage of MSRP and charges you the gap between what you pay and that forecast, plus interest.
Residual value on these four cars already spans ten points (58% to 68%). Ten points on the Purosangue's $430,000 sticker is $43,000 of depreciation over the term, or about $1,194 a month before interest.
A 20% market adjustment on the Purosangue is $86,000 above a $430,000 sticker. Spread over 36 months, that is about $2,389 a month of extra depreciation. The 68% residual is working. The adjustment is larger than the residual advantage.
Ferrari does not need to subsidize leases to sell allocated cars. These estimates use a market-rate 0.0027 money factor (6.48% comparison shorthand, not loan APR), not a subvented captive special.
Roma, 296, SF90, Purosangue
The Roma is the front-engine GT. Residual 60% ($148,200 on a $247,000 MSRP), modeled at a 1% discount. About $3,235 a month, $29,135 due at signing. That sits between the $2,800 and $4,300 figures the internet throws at this car because residual and money factor are stated.
The 296 GTB residual is 66% ($225,720 on a $342,000 MSRP). Luxemetry models a 5% market adjustment. About $4,585 a month, $39,985 due at signing.
The SF90 has the lowest residual here: 58% of a $524,000 MSRP, modeled at a 4% discount. About $6,592 a month, $60,192 due at signing. This is the Ferrari where leasing can be the more rational structure, because the bank holds the 58% forecast.
The Purosangue residual is 68% of a $430,000 MSRP. The payment is about $7,633 a month, $51,833 due at signing. The modeled market adjustment is 20%. That is the entire explanation.
How to read a Ferrari worksheet
Negotiate the price first, in writing, as if you were paying cash. Then ask for residual percentage for the exact term and mileage, money factor, and the full worksheet.
Put the five inputs into the lease calculator. If the formula and the worksheet disagree, a fee or an add-on is in the capitalized cost.
These estimates assume 10,000 miles a year. A large cash down payment on a lease is not equity. It is prepaid depreciation.
Frequently asked questions
- How much is it to lease a Ferrari in 2026?
- On Luxemetry's 36-month, 10,000-mile estimates at a 0.0027 money factor (6.48% comparison shorthand, not loan APR): Roma about $3,235 a month ($29,135 due at signing), 296 GTB about $4,585 ($39,985), SF90 about $6,592 ($60,192), Purosangue about $7,633 ($51,833). Not dealer quotes.
- Why does the Purosangue cost more per month than the SF90?
- The Purosangue residuals higher (68% versus 58%) and has a lower MSRP ($430,000 versus $524,000). It is also modeled at 20% over sticker. The SF90 is modeled at 4% under sticker. The adjustment dominates the residual advantage.
- Can you lease any Ferrari?
- Most current models can be leased through a captive or specialty lender. Allocation-constrained cars are a credit and availability problem before they are a math problem. A quote without residual and money factor is not a lease quote.
- Why do some sites say $2,800 and others $4,300 for a Roma?
- They are usually omitting residual and money factor, then comparing unlike terms or down payments. On a 36-month, 10,000-mile term at a 0.0027 money factor (6.48% comparison shorthand, not loan APR) and a 60% residual, Luxemetry's estimate is about $3,235 a month.
Sources & verification
These references support the published rules, service intervals, and rate examples used in this guide. Luxemetry's calculator outputs remain modeled estimates rather than quotes.
- Ferrari 296 GTB — official US model page; 830 cv, no MSRP printed
Ferrari N.V. · Checked September 2, 2026
- Ferrari Purosangue — official US model page; naturally aspirated V12, 725 cv, no MSRP printed
Ferrari N.V. · Checked September 2, 2026
- Ferrari Financial Services US — lease and retail programs through dealers; no national residual worksheet
Ferrari Financial Services, Inc. · Checked September 2, 2026
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