Calculator
Leasing calculator
This comparison calculator uses an annuity-payment model and clearly separates the initial payment and buyout. Its result is not an offer from a leasing company.
Calculator
Enter data
The net price, initial payment, buyout, lease term and indicative interest rate. Fields marked with an asterisk are required.
How to use the calculator
- Enter the net price and proposed agreement parameters.
- Compare scenarios using the same assumptions and add all fees shown in the actual offer.
Calculation details
Formula and calculation method
The financed amount is the price less the initial payment and discounted buyout. The payment follows from the monthly rate and number of periods.
Worked example
For a net car price of PLN 100,000, 10% initial payment, 1% buyout and 36 months, the model calculates the payment and total fees.
Limitations
- The model excludes commission, insurance, administration fees, VAT and an individual repayment schedule.
Sources
Engine version: 1.0 · Last reviewed: 3 August 2026
Frequently asked questions
Does the payment include VAT?
No. Values are net; VAT depends on the invoices and the taxpayer’s circumstances.
Is this a real lease offer?
No. It is a comparison estimate; only the financier’s terms are binding.