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Pre-Tax Lease Regular LeaseDepreciated AmountCar "borrowed"Finance ChargeMonthly PaymentOne Pay LeaseDepreciated AmountCar "borrowed"Finance ChargeMonthly PaymentForgone Interest
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Car Price$57,000.001$317.50$56,682.50$226.73$544.231$317.50$47,880.00$191.52$509.02$45.50
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Down Payment$1,500.002$317.50$56,365.00$225.46$542.962$317.50$47,880.00$191.52$509.02$43.38
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Residual 84.00%3$317.50$56,047.50$224.19$541.693$317.50$47,880.00$191.52$509.02$41.26
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Term (years)24$317.50$55,730.00$222.92$540.424$317.50$47,880.00$191.52$509.02$39.14
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Savings Account Rate5.00%5$317.50$55,412.50$221.65$539.155$317.50$47,880.00$191.52$509.02$37.02
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Money Factor0.000026$317.50$55,095.00$220.38$537.886$317.50$47,880.00$191.52$509.02$34.90
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APR4.80%7$317.50$54,777.50$219.11$536.617$317.50$47,880.00$191.52$509.02$32.78
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Residual in dollars$47,880.008$317.50$54,460.00$217.84$535.348$317.50$47,880.00$191.52$509.02$30.66
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9$317.50$54,142.50$216.57$534.079$317.50$47,880.00$191.52$509.02$28.54
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Regular Lease10$317.50$53,825.00$215.30$532.8010$317.50$47,880.00$191.52$509.02$26.42
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Monthly Lease Payment:$522.0111$317.50$53,507.50$214.03$531.5311$317.50$47,880.00$191.52$509.02$24.29
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Total Payments$12,528.1212$317.50$53,190.00$212.76$530.2612$317.50$47,880.00$191.52$509.02$22.17
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13$317.50$52,872.50$211.49$528.9913$317.50$47,880.00$191.52$509.02$20.05
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One Pay Lease14$317.50$52,555.00$210.22$527.7214$317.50$47,880.00$191.52$509.02$17.93
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Monthly Lease Payment:$509.0215$317.50$52,237.50$208.95$526.4515$317.50$47,880.00$191.52$509.02$15.81
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Total Payments$12,216.4816$317.50$51,920.00$207.68$525.1816$317.50$47,880.00$191.52$509.02$13.69
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Forgone Interest$511.1617$317.50$51,602.50$206.41$523.9117$317.50$47,880.00$191.52$509.02$11.57
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Total Effective Payment$12,727.6418$317.50$51,285.00$205.14$522.6418$317.50$47,880.00$191.52$509.02$9.45
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19$317.50$50,967.50$203.87$521.3719$317.50$47,880.00$191.52$509.02$7.33
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20$317.50$50,650.00$202.60$520.1020$317.50$47,880.00$191.52$509.02$5.21
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21$317.50$50,332.50$201.33$518.8321$317.50$47,880.00$191.52$509.02$3.09
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22$317.50$50,015.00$200.06$517.5622$317.50$47,880.00$191.52$509.02$0.96
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23$317.50$49,697.50$198.79$516.2923$317.50$47,880.00$191.52$509.02$0.00
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24$317.50$49,380.00$197.52$515.0224$317.50$47,880.00$191.52$509.02$0.00
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25$317.50$49,062.50$196.25$513.7525$317.50$47,880.00$191.52$509.02$0.00
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26$317.50$48,745.00$194.98$512.4826$317.50$47,880.00$191.52$509.02$0.00
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27$317.50$48,427.50$193.71$511.2127$317.50$47,880.00$191.52$509.02$0.00
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28$317.50$48,110.00$192.44$509.9428$317.50$47,880.00$191.52$509.02$0.00
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29$317.50$47,792.50$191.17$508.6729$317.50$47,880.00$191.52$509.02$0.00
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30$317.50$47,475.00$189.90$507.4030$317.50$47,880.00$191.52$509.02$0.00
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31$317.50$47,157.50$188.63$506.1331$317.50$47,880.00$191.52$509.02$0.00
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32$317.50$46,840.00$187.36$504.8632$317.50$47,880.00$191.52$509.02$0.00
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33$317.50$46,522.50$186.09$503.5933$317.50$47,880.00$191.52$509.02$0.00
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34$317.50$46,205.00$184.82$502.3234$317.50$47,880.00$191.52$509.02$0.00
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35$317.50$45,887.50$183.55$501.0535$317.50$47,880.00$191.52$509.02$0.00
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36$317.50$45,570.00$182.28$499.7836$317.50$47,880.00$191.52$509.02$0.00
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For Blog Post; Does Not Update
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Residual
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Money FactorAPR50%55%60%65%
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0.000012.40%$768.75$701.88$635.00$568.13
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0.000024.80%$843.06$778.75$714.44$650.14
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0.000037.20%$917.36$855.63$793.89$732.15
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