Hmmm you have the 36 month; 12k per annum resid is 67%? Is the resid somehow because you have some care package? Also you’re showing the MF at .0010. Who are you leasing through?
There’s no way financing this thing will be cheaper than the lease structure you put into that calculator simply because your interest rate will be at least 5% and your real life experienced depreciation over the first 3 years will be much more than what depreciation is in the lease.