Thanks for your help!
Where are they hiding the extra profit in here? New to this and still learning how to use the calculator.
Here is what I put in the calculator, and I’m getting $304 a month for a payment, not $411 as shown on the quote!
2025 Subaru Outback Wilderness
MSRP: $45,724
Dealer Savings: $5,653
Sales Tax $3,739.60
Title Fee $80.20
Dealer Handling Fee: $799
From Edmunds:
MF .00079
60% residual
The breakdown on their sheet is for a purchase, not a lease. Are the incentives the same? Is their pricing showing $5000 due at signing or $5000 cap cost reduction?
As always, asking a dealer for a quote is a giant waste of time.
Thanks for taking a look. It’s for a lease - on the quote, it says LEASE OPTIONS right above the various terms and payments. From what he told me, $5000 would be due at signing.
Well your calc has DAS of 6700 as compared to 5000 if that is a DAS…I’m sure they are probably marking up the MF too…and maybe your tax rate is off.
Your calculator shows 5000 down plus upfront taxes and fees for 6700 DAS, you can get to roughly that quote by adjusting the down payment to result in 5k DAS and then marking up the money factor: calc.
Buy rate for a random Denver ZIP plus only taxes and fees at signing gets to 460/mo with 1400 DAS: calc
Why do you want to put 5k down?
Thanks! I assumed 5k down was the only way to get to around a $400 monthly payment, including taxes.
No, the breakdown isn’t. That’s why it is clearly labeled as the “purchase option” in a separate box from the “lease option”.
This is a standard dealer sheet that shows a purchase itemization with purchase taxes, etc and then a separate lease sheet. You can’t make the assumption that the “savings” section on the purchase itemization applies to a lease. It isn’t unusual for there to be different purchase incentives which are rolled into that “savings” number and then you assume you get the same post-incentive discount applied to a lease.
Got it, thank you!
Is this the right strategy for the car? There’s a reason almost none of the regulars here lease Subarus.
They are not bad cars. They are just bad leases.
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