01 — Lease-Purchase Analyzer · the one open door

What the lease
actually costs.

Put in what the agreement says. This page returns the real weekly outflow, what the whole thing costs run to the end, what walking away costs, and an APR-equivalent you can hold next to a normal truck loan. Arithmetic only — no AI, no scores, and no opinion about whether to sign.

Runs in your browser Nothing is uploaded No account Signals, not verdicts

The deal

Straight off the contract.
$

What else comes out

Leave blank what does not apply.
$
$
$
$
%

Escrow

The hold you are told you get back.
$

The exit

What it takes to own it — or to leave.
$
$
$

Worksheet · f0-lease-1.0

What this lease actually costs

True weekly outflow —

Run to the end—

Every weekly outflow across the term, plus balloon, buyout and the escrow hold.

If escrow comes back—

The same total assuming the hold is actually returned to you.

Weekly break-even—

What a week really costs once the end-of-term money is spread across the term.

Walk away, week ——

Paid in by then, and you do not own the truck.

APR-equivalent—

Before you sign

Questions worth asking.

  1. Who holds the title during the term, and what exactly transfers at the end?
  2. Is the escrow refundable in writing, and under which conditions is it forfeited?
  3. What happens to the escrow and the maintenance reserve if you leave early?
  4. Is the maintenance reserve yours or the carrier's when the truck goes to the shop?
  5. Are the balloon and the buyout the same money, or two separate payments?
  6. Who pays for a major failure — engine, transmission, after-treatment?
  7. Can the payment, the percentage, or the deductions change during the term?
  8. What is the truck worth today, from a source that is not the carrier?

This page does arithmetic on the numbers you type. It is not legal, tax, or lending advice, it does not determine fraud or guilt, and it does not tell you to sign or to walk away. The APR-equivalent is a simple comparison of total acquisition cost against the truck's cash value, annualised — it is not a lender APR and not a TILA rate. A truck value shown as a placeholder is exactly that. This deal only — not fuel, food, taxes, tolls, or downtime.