How Much to Lease a Rolls-Royce in 2026

Four Rolls-Royces on one set of assumptions

Luxemetry's 36-month, 10,000-mile estimates at a 0.0027 money factor (6.48% comparison shorthand, not loan APR): Cullinan about $6,041 a month, Ghost about $5,643, Spectre about $6,500, Phantom about $8,043. 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.

Unlike the Lamborghini and Ferrari pages, there is no markup story here. Every car in this table is modeled at a 1% to 3% discount. What is doing the sorting is the residual column: 48% to 56%, the lowest band of any marque on this site.

• Cullinan. MSRP $428,000. Residual 56% ($239,680). Market adj. −1%. About $6,041 a month. Due at signing $50,041.

• Ghost. MSRP $388,000. Residual 52% ($201,760). Market adj. −3%. About $5,643 a month. Due at signing $45,643.

• Spectre. MSRP $422,000. Residual 50% ($211,000). Market adj. −2%. About $6,500 a month. Due at signing $49,900.

• Phantom. MSRP $505,000. Residual 48% ($242,400). Market adj. −2%. About $8,043 a month. Due at signing $59,743.

Why the residuals are the lowest band on this site

A supercar with a waiting list residualizes in the sixties. A Rolls-Royce residualizes in the fifties and forties because the bank has watched what these cars do on the used market: enormous absolute depreciation, concentrated in the early years.

On the Phantom, the 48% forecast means the bank prices $262,600 of a $505,000 sticker as gone within 36 months. The lease's monthly depreciation fee alone is about $5,642 — more than the entire payment on any car in the Bentley or Porsche articles.

Bespoke work makes the curve worse, not better. Commissions routinely add six figures to the build and recover almost none of it at resale, so a heavily personalized car depreciates below even these numbers. The model prices base cars.

Note that Luxemetry's own market-retention curves sit above these residuals — the Cullinan models at 66% after three years against the bank's 56%. Rolls-Royce banks set forecasts conservatively even for the strongest car in the range.

Cullinan, Ghost, Spectre, Phantom

The Cullinan is the most requested Rolls-Royce in the company's history, and demand shows up in the numbers: a 56% residual, the best in the range. At about $6,041 a month it is the most expensive car here to buy — and the cheapest per dollar of sticker to lease, at 1.41%.

The Ghost is the value row, if that word applies at $388,000: about $5,643 a month, $45,643 due at signing, at a 52% residual and a modeled 3% discount — the largest discount in the table.

The Spectre is the EV, and it leases like one. Its sticker sits $34,000 above the Ghost, but its 50% residual pushes the payment $857 a month higher. The luxury-EV depreciation penalty that hits the Taycan does not spare a Rolls-Royce.

The Phantom is the flagship, and the steepest absolute loser in the Luxemetry dataset. At a 48% residual on a $505,000 sticker, the estimate is about $8,043 a month with $59,743 due at signing. Nothing about that payment is a markup. It is depreciation, priced honestly.

When the lease is the right structure

Leasing exists to rent depreciation, and no marque on this site depreciates more in absolute dollars. When you lease a Phantom, the 48% forecast becomes the bank's problem. If the car does worse, the loss is theirs. That risk transfer is worth more at the top of the market than anywhere below it.

The price of that insurance is the total: about $341,230 in cash across a Phantom term, for no asset at the end. Run the same five inputs through the lease calculator and the cost-of-ownership page before deciding which side of the forecast you want to stand on.

If you commission bespoke work, understand who pays for it: the used market will not, and the residual percentage only credits it at the same 48% to 56% as the rest of the car. The more personal the build, the stronger the argument for the lease.