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Auto Purchase Option Fee Calculator
Most leases include a purchase-option fee that gets added to your buyout. This calculator factors in that fee, along with residual value and taxes, so you know the full cost of buying your leased car.
Tell us about it
in $ USD$21,000.00
$
$380.00
$
14
$500.00
$
6.75%
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Estimated Buyout
$28,630.35
In plain English
The lease has a $21,000.00 residual, $380.00 a month for 14 months, plus a $500.00 purchase-option fee. At 6.75% sales tax, the early buyout comes to $28,630.35.
How we got there+
| Base buyout (pre-tax) | $26,820.00 |
| Sales tax | 6.75% |
| Final buyout | $28,630.35 |
Estimates only, not legal or financial advice. Double-check figures with a qualified professional.
How we got there
— Auto Purchase Option Fee CalculatorMethodology reviewed: August 17, 2026 · Source: Federal Reserve — Vehicle Leasing: Buying the Vehicle at Lease-End
Frequently asked questions
Q.What is a purchase-option fee?▾
It is a fee the leasing company charges when you decide to buy the car at lease end. It covers paperwork and processing costs.
Q.How much is the typical purchase-option fee?▾
It usually ranges from 300 to 500 dollars, but it can be higher. The exact amount is listed in your lease contract.
Q.Is the purchase-option fee negotiable?▾
Usually not. It is a set fee in the lease contract. But some leasing companies may waive it if you finance through them.
Q.Is the fee included in the buyout total?▾
Yes. The calculator adds the purchase-option fee to the residual value and remaining payments before applying sales tax.
Q.Do I pay tax on the fee?▾
In most states, yes. Sales tax applies to the total buyout amount, including the fee. Check your local tax rules to be sure.