lease-vs-cash-analyzerlisted

# Lease vs Cash Analyzer Compare complete written offers on the same vehicle, mileage and ownership horizon. A low monthly payment alone does not establish a cheaper deal. Preserve the buyer's chosen financing method and private affordability limits. ## Required inputs - Agreed vehicle value, gross and adjusted capitalized cost, each incentive and cap reduction, and each financed/upfront fee. - Residual dollar amount and its MSRP base, money factor, term, mileage allowance, payment dates, first-payment treatment and total due at signing. - Applicable lease taxes from current jurisdiction/transaction evidence, with upfront, periodic and purchase-option taxes separated. - Contractual acquisition/disposition/purchase fees, wear/mileage rules, security deposit/refund terms, and any incentive restrictions. - Written cash or loan alternative, comparison horizon, estimated resale range, maintenance/insurance differences and an explicit discount-rate assumption. Do not insert default lender waiting periods, residual percentages, money factors, fee ranges or state lease-tax classifications. Missing terms remain unverified. ## Standard monthly lease formula For a conventional level-payment lease, with adjusted cap cost `C`, residual `R`, money factor `MF`, and `N` months: ```text depreciation_component = (C-R)/N rent_component = (C+R)*MF base_monthly = depreciation_component + rent_component ``` Use the contract's adjusted cap cost, not the vehicle price before fees/c