DealDecoder: Lease Calculator

🚗 Know if your car deal is good or bad in 60 seconds.

DealDecoder analyses your car lease or finance deal and gives it an A–F grade, just like a report card. Enter the numbers from your dealer worksheet, and we tell you exactly where you're losing money and what to say to fix it.

★ WHY DEALERS DON'T WANT YOU TO HAVE THIS APP

Most people sign a lease or finance deal without knowing:

• Whether the money factor (interest) is marked up

• If the residual value is too low

• Whether they negotiated a good selling price

• How much they're overpaying per month vs. fair market

DealDecoder calculates all of this for you instantly — no account, no sign-up, 100% free.

★ WHAT THE APP DOES

LEASE ANALYSER

Enter your MSRP, cap cost, money factor, residual %, and term. DealDecoder gives you:

→ An A–F grade on residual value, money factor, and cap cost

→ The exact fair market monthly payment for your car

→ How many dollars per month you're above or below market

→ A plain-English flag for every number that needs attention

FINANCE ANALYSER

Enter your vehicle price, APR, term, and down payment. Get:

→ Your APR grade vs. fair market benchmarks

→ Total interest you'll pay over the loan

→ Monthly payment breakdown

NEGOTIATION SCRIPT

Based on your deal's weak points, the app generates the exact sentences to say at the finance desk — word for word. Copy it or export as PDF and walk in confident.

DEAL HISTORY

Save every deal you analyse. Compare two deals side by side. Revisit any past analysis.

★ WHO IT'S FOR

✓ First-time car leasers who don't know what a "money factor" is

✓ Experienced shoppers who want to verify the dealer's numbers

✓ Anyone comparing multiple offers across dealerships

✓ US and European drivers (supports USD, EUR, GBP)

★ 100% PRIVATE. ZERO TRACKING.

DealDecoder stores everything on your device only. No account. No analytics. No ads. No data ever leaves your phone. We cannot see your deals, your car, or anything about you.

★ WORKS OFFLINE

Once installed, the app works completely offline. No internet required to grade a deal.

★ HOW THE GRADING WORKS

We use the same benchmarks car-buying experts and automotive journalists use:

• Residual value: above 55% MSRP = A, below 40% = F

• Money factor: compared to the published buy-rate by brand tier (BMW, Mercedes, Toyota, Honda, etc.)

• Cap cost: how well you negotiated vs. MSRP

The overall grade is a weighted average of all three. No guesswork.

★ KEY FEATURES

✓ Lease and finance modes

✓ A–F deal grade with plain-English explanation

✓ Fair market payment calculator

✓ Money factor → APR converter

✓ Dealer markup detector

✓ Auto-generated negotiation script

✓ PDF export

✓ Deal history & comparison

✓ US, EU and UK support (USD / EUR / GBP)

✓ Dark mode

✓ No ads, no subscription, no account

✓ Works offline

Download DealDecoder before your next dealer appointment. It's the last tool you'll need at the finance desk.

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