Cadillac Lease Calculator

Estimate Monthly Payments for Your Next Luxury Vehicle

Cadillac MSRP ($)

Agreed Selling Price ($)

Residual Percentage (%)

Money Factor (e.g. 0.0021)

Lease Period (Months)

Initial Capital Reduction ($)

Estimated Payment Breakdown

Monthly Payment

$0.00

Total Lease Cost

$0.00

Residual Value

$0.00

Understanding Your Cadillac Lease Calculation

Leasing a Cadillac—whether it's the iconic Escalade, the sporty CT5, or the electric LYRIQ—requires understanding specific financial components that differ from traditional auto loans. This calculator uses the industry-standard formulas to help you navigate the dealership negotiations.

Key Terms Explained

Cadillac MSRP: The Manufacturer's Suggested Retail Price. This is the starting point for calculating the residual value.
Agreed Selling Price: The price you actually negotiate with the dealer before any incentives or credits.
Residual Percentage: This is a fixed percentage set by GM Financial. It represents the estimated value of the Cadillac at the end of the lease term. Higher percentages result in lower monthly payments.
Money Factor (MF): This is the lease version of an interest rate. To convert a Money Factor to an APR, multiply it by 2400 (e.g., 0.00125 x 2400 = 3% APR).
Initial Capital Reduction: Any amount paid upfront, including cash down or your trade-in equity, which reduces the total amount being financed.

The Mathematics of the Lease

Your Cadillac payment is comprised of two main parts: Depreciation and the Rent Charge.

Depreciation Fee: This is the (Adjusted Capitalized Cost – Residual Value) / Lease Term. You are essentially paying for the portion of the Cadillac you use during the lease duration.

Rent Charge: This is (Adjusted Capitalized Cost + Residual Value) × Money Factor. This is the fee paid to the lessor for the use of their capital.

Cadillac Lease Example

Imagine leasing a Cadillac CT4 with an MSRP of $40,000. If the residual is 60% for a 36-month term, the residual value is $24,000. If your negotiated price is $38,000 and you provide $2,000 as an initial capital reduction, your Adjusted Capitalized Cost is $36,000. Your monthly depreciation would be ($36,000 – $24,000) / 36 = $333.33. Added to the rent charge (based on the money factor), this determines your final monthly obligation.