Example 1 — 50,000 / 3y / 18%
- Start: 50,000
- Years: 3
- Rate: 18%
Residual ≈ 27,568.40
Short lease, higher rate.
Residual value — expected end amount
Estimate how much vehicle value may remain after years — useful for lease residual / balloon thinking.
Framing: residual = end value, not “loss”. Constant-rate estimate — not a contractual lease residual. Currency from the header.
Result
Enter data and click Calculate.
How results are calculated
Residual = start × (1 − rate/100)years.
% retained = residual / start × 100. Depreciation amount = start − residual.
How to use the calculator
- Enter starting value.
- Set years.
- Enter annual decline rate.
- Compare with depreciation and lease tools.
Usage examples
Example 2 — 120,000 / 4y / 12%
- Start: 120,000
- Years: 4
- Rate: 12%
Residual ≈ 71,963.44
Higher list price, moderate rate.
Example 3 — 30,000 / 5y / 15%
- Start: 30,000
- Years: 5
- Rate: 15%
Residual ≈ 13,311.16
Five-year horizon.
FAQ
What is residual value?
Expected vehicle value at term end — e.g. a lease balloon. It answers how much remains, not how much you “lost”.
How does it differ from depreciation?
Same decline math, different question: residual = end value; depreciation = loss process.
What formula is used?
Residual = start × (1 − rate/100)^years. We also show % retained and depreciation amount.
Is this the contractual lease residual?
No — educational model. The financier sets the residual in the contract.
What can I use the result for?
Comparing lease offers, buyout planning, and TCO context.
Why might it differ from market price?
Market depends on mileage, condition and demand — the model assumes a constant annual rate.
Does the lease instalment tool subtract residual?
Not in that simplified model — read its notice. This page is about the residual amount itself.
When should I not rely only on this?
Before signing — check fee tables and buyout terms with the financier.