# Huge monthly payment disparity? **URL:** \ **Category:** Ask the Hackrs\ **Tags:** truck, ram\ **Created:** [January 2, 2019, 8:31pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846 "2019-01-02T20:31:37Z")\ **Posts on this page:** 16\ **Page:** 1
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 2, 2019, 8:31pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/1 "2019-01-02T20:31:37Z")
Looking at a new 2019 RAM Laramie and a dealer is offering significant discounts on their website. MSRP is $53955, and with discount and all incentives the price is $41021. They don’t break down the incentives and discount so I made some assumptions. I am in Arizona so from what I can tell incentives are not taxed. Even being generous the LH calculator is showing ~$450-470 a month with zero drive off (56% residual, .00065 MF). The quote they gave me was for $626/month. Where are they hiding the extra money or am I calculating something completely wrong? > **[Leasehackr Calculator — LEASEHACKR](https://leasehackr.com/calculator?make=Ram&msrp=53955&sales_price=43021&months=36&mf=.00065&dp=0&doc_fee=489&acq_fee=595&taxed_inc=0&untaxed_inc=2000&rebate=0&resP=56®_fee=800&sales_tax=8.7&memo=&zero_driveoff=true&monthlyTax_radio=true&miles=12000&msd=0)** > > Leasehackr Calculator lets you estimate and share your lease numbers. It integrates available Multiple Security Deposit (MSD) and money factor discount programs. Its benchmark Leasehackr Score enables you to evaluate your deal. ---
**Author:** ![chrishs2000](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/chrishs2000/32/22367_2.png) [@chrishs2000](https://forum.leasehackr.com/u/chrishs2000)\ **Post date:** [January 2, 2019, 8:48pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/2 "2019-01-02T20:48:44Z")
Where is your dealer quote sheet? Unless you want speculation/guesses. ---
**Author:** ![max\_g](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/max_g/32/9426_2.png) [@max\_g](https://forum.leasehackr.com/u/max_g)\ **Post date:** [January 2, 2019, 8:50pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/3 "2019-01-02T20:50:06Z")
> [@Cygnus\_A](#): > > They don’t break down the incentives and discount so I made some assumptions. There’s no point making assumptions. You need to find the purchase/finance rebates and back those out. ---
**Author:** ![delta737h](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/delta737h/32/11316_2.png) [@delta737h](https://forum.leasehackr.com/u/delta737h)\ **Post date:** [January 2, 2019, 9:41pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/4 "2019-01-02T21:41:36Z")
Seriously, you need to post the dealer’s lease worksheet. Otherwise, no one will be able to address your issues intelligently. ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 2, 2019, 10:07pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/5 "2019-01-02T22:07:40Z")
They didnt give me the full breakdown. I’ve requested it and will report back if they provide it. ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 2, 2019, 10:29pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/6 "2019-01-02T22:29:09Z")
Numbers he sent me: MSRP 53955 DISCOUNT 6483 REBATE 2750 LEASE PRICE 45021 TAX 3871.81 DOC FEE 499 REGISTRATION 781.43 610.63/MONTH ---
**Author:** ![Siejammy](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/siejammy/32/4245_2.png) [@Siejammy](https://forum.leasehackr.com/u/Siejammy)\ **Post date:** [January 2, 2019, 10:49pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/7 "2019-01-02T22:49:52Z")
So you have your answer right there. Your LH calc is showing 20% off plus a $2k rebate. Change your sales price to $47,472 and update your incentives to $2,750. ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 2, 2019, 10:50pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/8 "2019-01-02T22:50:35Z")
Yeah, they are telling me the lease price is higher than the purchase price. Is that typical? ---
**Author:** ![Siejammy](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/siejammy/32/4245_2.png) [@Siejammy](https://forum.leasehackr.com/u/Siejammy)\ **Post date:** [January 2, 2019, 10:51pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/9 "2019-01-02T22:51:58Z")
Purchase and lease incentives can vary so yes I’m not surprised. ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 5, 2019, 11:03pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/10 "2019-01-05T23:03:42Z")
I am confused by some of the fine print on these Ram deals. How do I know which ones stack? I know some are lease only, and some are purchase only, but how can you tell 100%? I also have $500 available through my company. ![image](https://leasehackr-assets.b-cdn.net/original/3X/c/b/cb933de4c55f874fbb040ec26a6d7daa6a7bc1c2.png) What does #4 mean (offer limited to 10% of eligible vehicles) ![image](https://leasehackr-assets.b-cdn.net/original/3X/f/b/fbd9254c8cb1348e87da45431ab8764b880a545d.png) ![image](https://leasehackr-assets.b-cdn.net/original/3X/3/3/3344d3955bfda99df6db5c3c684d115140ac17d0.png) ---
**Author:** ![delta737h](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/delta737h/32/11316_2.png) [@delta737h](https://forum.leasehackr.com/u/delta737h)\ **Post date:** [January 6, 2019, 1:27am UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/11 "2019-01-06T01:27:09Z")
> [@Cygnus\_A](#): > > Numbers he sent me: > > MSRP 53955 > DISCOUNT 6483 > REBATE 2750 > LEASE PRICE 45021 > TAX 3871.81 > DOC FEE 499 > REGISTRATION 781.43 > > 610.63/MONTH Your LH calculator shows sales tax levied on the payment streams. Yet, the dealer is computing sales tax on the selling price at 8.60% (i.e., agreed upon value) which is what they call “lease price”… 8.60% x 45021 = 3871.81. Apparently, the 2750 is a manufacturer to dealer rebate (incentive) because it’s not taxed. Additionally, it is being deducted from the MSRP. This tells me that it’s very likely a manufacturer to dealer incentive. My calculated payment is 609.38 assuming the 499 doc fee is paid upfront… Something is missing ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 30, 2019, 3:40pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/12 "2019-01-30T15:40:20Z")
I was quoted this and I cant get the calculator numbers to match. What is wrong? Numbers are from December rates but changing the residual and MF to the January rates has zero impact on the monthly payment. ## 53955 MSRP 6483 discount 2750 rebate 45021 lease price ## 3871.81 tax 499 doc fee 781.43 registration 50173.24 total 56% residual (30214.80) .00065 money factor 0 down / 36 months / 12k miles per year = 610.63 per month with all fees included The calculator shows $564. What am I missing? > **[Leasehackr Calculator — LEASEHACKR](https://leasehackr.com/calculator?make=Ram&msrp=53955&sales_price=47472&months=36&mf=.00065&dp=0&doc_fee=499&acq_fee=595&taxed_inc=0&untaxed_inc=2750&rebate=0&resP=56®_fee=781.43&sales_tax=8.6&memo=&zero_driveoff=true&monthlyTax_radio=true&miles=12000&msd=0)** > > Leasehackr Calculator lets you estimate and share your lease numbers. It > integrates available Multiple Security Deposit (MSD) and money factor > discount programs. Its benchmark Leasehackr Score enables you to evaluate > your deal. ---
**Author:** ![joeblogs](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/joeblogs/32/44022_2.png) [@joeblogs](https://forum.leasehackr.com/u/joeblogs)\ **Post date:** [January 30, 2019, 3:46pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/13 "2019-01-30T15:46:32Z")
You’re missing the lease sheet from the dealer ---
**Author:** ![2pac](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/2pac/32/96677_2.png) [@2pac](https://forum.leasehackr.com/u/2pac)\ **Post date:** [January 30, 2019, 3:53pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/14 "2019-01-30T15:53:21Z")
have you tried searching around the forums for what others have gotten? On paper it looks like an ok deal. Needs more info, most likely dealer hiding cash by jacking up the mf. Also take a look at how much edmunds says the lease incdentives are for said trim. ---
**Author:** ![Cygnus\_A](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cygnus_a/32/22383_2.png) [@Cygnus\_A](https://forum.leasehackr.com/u/Cygnus_A)\ **Post date:** [January 30, 2019, 4:06pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/15 "2019-01-30T16:06:28Z")
The numbers are are all they gave me, including the MF and Res. I assume they are screwing me some other way. ---
**Author:** ![mp11477](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mp11477/32/9283_2.png) [@mp11477](https://forum.leasehackr.com/u/mp11477)\ **Post date:** [January 30, 2019, 4:21pm UTC](https://forum.leasehackr.com/t/huge-monthly-payment-disparity/90846/16 "2019-01-30T16:21:33Z")
Demand a worksheet, or tell them you’ll look elsewhere. If they don’t want to be transparent, you don’t want to give them business. Another wonderful FCA experience.