🚗 汽车租赁月供计算器Car Lease Calculator
输入车价（协商资本化成本）、首付/置换、残值率、资金系数（money factor）或年利率、租期和销售税，计算月租金，并拆分为折旧费、融资费和税费。Work out a monthly car lease payment from negotiated price, down payment or trade-in, residual %, money factor (or APR), term and sales tax, split into depreciation, finance charge and tax.
使用说明与常见问题How-to & FAQ
「汽车租赁月供计算器」是什么？What is the Car Lease Calculator tool?
输入车价（协商资本化成本）、首付/置换、残值率、资金系数（money factor）或年利率、租期和销售税，计算月租金，并拆分为折旧费、融资费和税费。Work out a monthly car lease payment from negotiated price, down payment or trade-in, residual %, money factor (or APR), term and sales tax, split into depreciation, finance charge and tax.
如何使用「汽车租赁月供计算器」？How do I use the Car Lease Calculator tool?
在「汽车租赁月供计算器」中，填写「厂商指导价 MSRP」、「协商车价」、「首付/资本化成本减免」、「置换车净值」、「计入车价的费用（购置费等）」等参数，结果会随输入实时计算并显示在下方。In the Car Lease Calculator: Fill in "MSRP", "Negotiated price", "Down payment / cap reduction", "Trade-in equity", "Fees rolled into the lease"; results are recalculated instantly as you type.
租赁月供怎么算？How is a lease payment calculated?
月供 = 折旧费 + 融资费（+ 税）。折旧费 = (调整后车价 − 残值) ÷ 租期；融资费 = (调整后车价 + 残值) × 资金系数。调整后车价 = 协商车价 + 计入的费用 − 首付 − 置换净值；残值 = MSRP × 残值率。Payment = depreciation + rent charge (+ tax). Depreciation = (adjusted cap cost − residual) ÷ term; rent charge = (adjusted cap cost + residual) × money factor. Adjusted cap cost = negotiated price + fees − down payment − trade-in; residual = MSRP × residual %.
资金系数和年利率怎么换算？How do money factor and APR relate?
年利率 ≈ 资金系数 × 2400，例如 0.0025 ≈ 6%。填写了年利率时，工具会按 年利率 ÷ 2400 换算资金系数。APR ≈ money factor × 2400, so 0.0025 ≈ 6%. If you enter an APR, the money factor is taken as APR ÷ 2400.
销售税怎么计？How is sales tax handled?
本工具按“对每月租金征税”计算，这是美国常见的做法，但各州规则不同：有的州对首付或整车价一次性征税，有的州税率因县市而异。请向经销商或所在州税务部门确认。This tool taxes each monthly payment, which is a common US approach, but rules vary by state: some tax the down payment or the full price up front, and rates can vary by county or city. Check with the dealer or your state tax agency.
计算结果可以作为最终依据吗？Can I rely on the result?
「汽车租赁月供计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Car Lease Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「汽车租赁月供计算器」免费吗？需要注册吗？Is the Car Lease Calculator free? Do I need an account?
「汽车租赁月供计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Car Lease Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.