Automotive Calculators
Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.
OtherLiveeip155:8453Exactvia cdp
AutomotiveLeaseLoanBuyCalculator
Calls · 30d
1
This endpoint's own trailing-30-day call count, as published by the upstream catalog and snapshotted daily. 4 snapshots so far.
$24.31
Verified settled volume
1,175 settlements proven x402 by their on-chain EIP-3009 marker.
$0.020
Listed price
As published in the catalog. Always read the live 402 before paying.
1
Calls · 30d
Upstream's own call count for this endpoint, not ours.
1
Unique payers · 30d
Last called 2026-10-20 20:45Z
—
Upstream on-chain volume
Reported by the source catalog.
Paid to
0xb531320805C5BED1D46AEaDcF4F008FDF172DBDaThe wallet the 402 directs payment to. Its whole payment record — every payer, every chain — is on the merchant page.
Asset 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
Provider
The payTo wallet does not resolve to a registered ERC-8004 agent. That is not a verdict on the service — most of the catalog is unregistered.
Live 402 challenge
Captured by the enrichment pass, not read just now. Prices can change — always read the 402 the endpoint answers with.
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xb531320805C5BED1D46AEaDcF4F008FDF172DBDa",
"scheme": "exact",
"network": "base",
"mimeType": "application/json",
"resource": "https://automotive-calc.x402tookit.com/lease-vs-buy",
"description": "Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.",
"outputSchema": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"price": 30000,
"termMonths": 36,
"downPayment": 0,
"moneyFactor": 0.0025,
"loanAprPercent": 6,
"residualPercent": 60
}
},
"output": {
"asOf": "2026-10-11T14:38:37.912Z",
"source": "computed locally",
"reasons": [
"Lease payment = (cap cost - residual) / term + (cap cost + residual) x money factor, then tax on the payment.",
"Buy net cost = loan payments + down payment - (resale value - remaining loan balance).",
"…2 more"
],
"summary": "Lease: 453.33 a month (333.33 depreciation + 120 finance), net cost over 36 months 16320. Buy: 912.66 a month, net cost after selling at 18000 14855.69. Buying costs 1464.31 less over the term.",
"verdict": "BUYING_COSTS_LESS_OVER_TERM",
"degraded": false,
"buyNetCost": 14855.69,
"disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
"notChecked": [
"mileage limits and excess-mileage fees on the lease, wear charges and the disposition fee",
"sales tax, registration and insurance differences (tax on a purchase is usually due upfront on the full price)",
"…2 more"
],
"moneyFactor": 0.0025,
"resaleValue": 18000,
"buyTotalPaid": 32855.69,
"residualValue": 18000,
"buyEquityAtEnd": 18000,
"leaseTotalPaid": 16320,
"capitalizedCost": 30000,
"leaseFinancePart": 120,
"loanBalanceAtEnd": 0,
"monthlyDifference": -459.32,
"loanPaymentMonthly": 912.66,
"leasePaymentMonthly": 453.33,
"leaseDepreciationPart": 333.33,
"equivalentLeaseAprPercent": 6,
"leaseNetCostMinusBuyNetCost": 1464.31
}
},
"maxAmountRequired": "20000",
"maxTimeoutSeconds": 300
},
{
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"extra": {
"feePayer": "BFK9TLC3edb13K6v4YyH3DwPb5DSUpkWvb7XnqCL9b4F"
},
"payTo": "DUPiupXtuox38dcGoXUKer5mAydCzmaHjrbQ66qeEm8s",
"scheme": "exact",
"network": "solana",
"mimeType": "application/json",
"resource": "https://automotive-calc.x402tookit.com/lease-vs-buy",
"description": "Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.",
"outputSchema": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"price": 30000,
"termMonths": 36,
"downPayment": 0,
"moneyFactor": 0.0025,
"loanAprPercent": 6,
"residualPercent": 60
}
},
"output": {
"asOf": "2026-10-11T14:38:37.912Z",
"source": "computed locally",
"reasons": [
"Lease payment = (cap cost - residual) / term + (cap cost + residual) x money factor, then tax on the payment.",
"Buy net cost = loan payments + down payment - (resale value - remaining loan balance).",
"…2 more"
],
"summary": "Lease: 453.33 a month (333.33 depreciation + 120 finance), net cost over 36 months 16320. Buy: 912.66 a month, net cost after selling at 18000 14855.69. Buying costs 1464.31 less over the term.",
"verdict": "BUYING_COSTS_LESS_OVER_TERM",
"degraded": false,
"buyNetCost": 14855.69,
"disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
"notChecked": [
"mileage limits and excess-mileage fees on the lease, wear charges and the disposition fee",
"sales tax, registration and insurance differences (tax on a purchase is usually due upfront on the full price)",
"…2 more"
],
"moneyFactor": 0.0025,
"resaleValue": 18000,
"buyTotalPaid": 32855.69,
"residualValue": 18000,
"buyEquityAtEnd": 18000,
"leaseTotalPaid": 16320,
"capitalizedCost": 30000,
"leaseFinancePart": 120,
"loanBalanceAtEnd": 0,
"monthlyDifference": -459.32,
"loanPaymentMonthly": 912.66,
"leasePaymentMonthly": 453.33,
"leaseDepreciationPart": 333.33,
"equivalentLeaseAprPercent": 6,
"leaseNetCostMinusBuyNetCost": 1464.31
}
},
"maxAmountRequired": "20000",
"maxTimeoutSeconds": 300
},
{
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xb531320805C5BED1D46AEaDcF4F008FDF172DBDa",
"scheme": "exact",
"network": "polygon",
"mimeType": "application/json",
"resource": "https://automotive-calc.x402tookit.com/lease-vs-buy",
"description": "Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.",
"outputSchema": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"price": 30000,
"termMonths": 36,
"downPayment": 0,
"moneyFactor": 0.0025,
"loanAprPercent": 6,
"residualPercent": 60
}
},
"output": {
"asOf": "2026-10-11T14:38:37.912Z",
"source": "computed locally",
"reasons": [
"Lease payment = (cap cost - residual) / term + (cap cost + residual) x money factor, then tax on the payment.",
"Buy net cost = loan payments + down payment - (resale value - remaining loan balance).",
"…2 more"
],
"summary": "Lease: 453.33 a month (333.33 depreciation + 120 finance), net cost over 36 months 16320. Buy: 912.66 a month, net cost after selling at 18000 14855.69. Buying costs 1464.31 less over the term.",
"verdict": "BUYING_COSTS_LESS_OVER_TERM",
"degraded": false,
"buyNetCost": 14855.69,
"disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
"notChecked": [
"mileage limits and excess-mileage fees on the lease, wear charges and the disposition fee",
"sales tax, registration and insurance differences (tax on a purchase is usually due upfront on the full price)",
"…2 more"
],
"moneyFactor": 0.0025,
"resaleValue": 18000,
"buyTotalPaid": 32855.69,
"residualValue": 18000,
"buyEquityAtEnd": 18000,
"leaseTotalPaid": 16320,
"capitalizedCost": 30000,
"leaseFinancePart": 120,
"loanBalanceAtEnd": 0,
"monthlyDifference": -459.32,
"loanPaymentMonthly": 912.66,
"leasePaymentMonthly": 453.33,
"leaseDepreciationPart": 333.33,
"equivalentLeaseAprPercent": 6,
"leaseNetCostMinusBuyNetCost": 1464.31
}
},
"maxAmountRequired": "20000",
"maxTimeoutSeconds": 300
}
],
"x402Version": 1,
"alsoAvailable": {
"llms": "https://automotive-calc.x402tookit.com/llms.txt",
"catalog": "https://automotive-calc.x402tookit.com/catalog",
"message": "Automotive Calculators has 10 pay-per-call endpoints (Car math for agents: tire size and speedometer error, gearing and RPM, trip fuel, EV efficiency, towing, depreciation, lease versus buy, engines and braking.), from $0.02 a call. See the full menu and send your agents our way.",
"openapi": "https://automotive-calc.x402tookit.com/openapi.json",
"related": [
{
"url": "https://automotive-calc.x402tookit.com/stopping-distance",
"path": "/stopping-distance",
"what": "Stopping distance from speed: reaction distance plus braking distance on dry, wet, snow o…",
"price": "$0.02"
},
{
"url": "https://automotive-calc.x402tookit.com/tire-compare",
"path": "/tire-compare",
"what": "Tire dimensions from size codes like 225/45R17, and speedometer and odometer error when y…",
"price": "$0.02"
},
{
"url": "https://automotive-calc.x402tookit.com/towing-payload",
"path": "/towing-payload",
"what": "Towing check in pounds: payload left after people, cargo and tongue weight, tow rating an…",
"price": "$0.02"
}
]
}
}Accepts
The payment requirements as published to the catalog. Read the live 402 before paying — a price here is a claim, not a quote.
0.02USDC≈ $0.02 USD
on Base · exact scheme
Pay 0.02 USDC on Base to 0xb531…2DBDa. The signed payment is good for 5 minutes.
- Paid to
- 0xb531…2DBDa
- USD Coin contract
- 0x8335…02913
- Payment window
- 5 minutes
- As published
- 20000 smallest units
20000units
on solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp · exact scheme
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- DUPiup…eEm8s
- Token contract
- EPjFWd…TDt1v
- Payment window
- 5 minutes
20000units
on Polygon · exact scheme
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 0xb531…2DBDa
- Token contract
- 0x3c49…c3359
- Payment window
- 5 minutes
20000units
on Arbitrum · exact scheme
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 0xb531…2DBDa
- Token contract
- 0xaf88…e5831
- Payment window
- 5 minutes
The catalog’s raw entry
[
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xb531320805C5BED1D46AEaDcF4F008FDF172DBDa",
"amount": "20000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 300
},
{
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"extra": {
"feePayer": "D6ZhtNQ5nT9ZnTHUbqXZsTx5MH2rPFiBBggX4hY1WePM"
},
"payTo": "DUPiupXtuox38dcGoXUKer5mAydCzmaHjrbQ66qeEm8s",
"amount": "20000",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"maxTimeoutSeconds": 300
},
{
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xb531320805C5BED1D46AEaDcF4F008FDF172DBDa",
"amount": "20000",
"scheme": "exact",
"network": "eip155:137",
"maxTimeoutSeconds": 300
},
{
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xb531320805C5BED1D46AEaDcF4F008FDF172DBDa",
"amount": "20000",
"scheme": "exact",
"network": "eip155:42161",
"maxTimeoutSeconds": 300
}
]Extensions
{
"bazaar": {
"info": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"price": 30000,
"termMonths": 36,
"downPayment": 0,
"moneyFactor": 0.0025,
"loanAprPercent": 6,
"residualPercent": 60
}
},
"output": {
"type": "json",
"example": {
"asOf": "2026-10-11T14:38:37.912Z",
"source": "computed locally",
"reasons": [
"Lease payment = (cap cost - residual) / term + (cap cost + residual) x money factor, then tax on the payment.",
"Buy net cost = loan payments + down payment - (resale value - remaining loan balance).",
"…2 more"
],
"summary": "Lease: 453.33 a month (333.33 depreciation + 120 finance), net cost over 36 months 16320. Buy: 912.66 a month, net cost after selling at 18000 14855.69. Buying costs 1464.31 less over the term.",
"verdict": "BUYING_COSTS_LESS_OVER_TERM",
"degraded": false,
"buyNetCost": 14855.69,
"disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
"notChecked": [
"mileage limits and excess-mileage fees on the lease, wear charges and the disposition fee",
"sales tax, registration and insurance differences (tax on a purchase is usually due upfront on the full price)",
"…2 more"
],
"moneyFactor": 0.0025,
"resaleValue": 18000,
"buyTotalPaid": 32855.69,
"residualValue": 18000,
"buyEquityAtEnd": 18000,
"leaseTotalPaid": 16320,
"capitalizedCost": 30000,
"leaseFinancePart": 120,
"loanBalanceAtEnd": 0,
"monthlyDifference": -459.32,
"loanPaymentMonthly": 912.66,
"leasePaymentMonthly": 453.33,
"leaseDepreciationPart": 333.33,
"equivalentLeaseAprPercent": 6,
"leaseNetCostMinusBuyNetCost": 1464.31
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method"
],
"properties": {
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"type": "object",
"required": [
"price",
"termMonths",
"residualPercent",
"loanAprPercent"
],
"properties": {
"price": {
"type": "number",
"description": "Vehicle price (the capitalized cost before down payment), above 0"
},
"leaseFees": {
"type": "number",
"description": "Acquisition and other upfront lease fees (default 0)"
},
"termMonths": {
"type": "integer",
"description": "Lease term in months, 12 to 72"
},
"downPayment": {
"type": "number",
"description": "Cash down on either deal (default 0)"
},
"moneyFactor": {
"type": "number",
"description": "Lease money factor, for example 0.0025 (APR is about 2400 x money factor); or give leaseAprPercent"
},
"resalePercent": {
"type": "number",
"description": "Resale value of the bought car at the end as % of price (default: the residual percent)"
},
"loanAprPercent": {
"type": "number",
"description": "Loan interest rate in percent, 0 to 30"
},
"leaseAprPercent": {
"type": "number",
"description": "Lease rate as an APR in percent (instead of moneyFactor)"
},
"residualPercent": {
"type": "number",
"description": "Residual value as % of price, 10 to 90"
},
"salesTaxPercentOnLeasePayment": {
"type": "number",
"description": "Tax % charged on each lease payment, 0 to 15 (default 0)"
}
}
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"asOf": {
"type": [
"null",
"string"
]
},
"source": {
"type": [
"null",
"string"
]
},
"reasons": {
"type": [
"array",
"null"
],
"items": {
"type": "string"
}
},
"summary": {
"type": [
"null",
"string"
]
},
"verdict": {
"type": [
"null",
"string"
]
},
"degraded": {
"type": [
"boolean",
"null"
]
},
"buyNetCost": {
"type": [
"null",
"number"
]
},
"disclaimer": {
"type": [
"null",
"string"
]
},
"notChecked": {
"type": [
"array",
"null"
],
"items": {
"type": "string"
}
},
"moneyFactor": {
"type": [
"null",
"number"
]
},
"resaleValue": {
"type": [
"null",
"number"
]
},
"buyTotalPaid": {
"type": [
"null",
"number"
]
},
"residualValue": {
"type": [
"null",
"number"
]
},
"buyEquityAtEnd": {
"type": [
"null",
"number"
]
},
"leaseTotalPaid": {
"type": [
"null",
"number"
]
},
"capitalizedCost": {
"type": [
"null",
"number"
]
},
"leaseFinancePart": {
"type": [
"null",
"number"
]
},
"loanBalanceAtEnd": {
"type": [
"null",
"number"
]
},
"monthlyDifference": {
"type": [
"null",
"number"
]
},
"loanPaymentMonthly": {
"type": [
"null",
"number"
]
},
"leasePaymentMonthly": {
"type": [
"null",
"number"
]
},
"leaseDepreciationPart": {
"type": [
"null",
"number"
]
},
"equivalentLeaseAprPercent": {
"type": [
"null",
"number"
]
},
"leaseNetCostMinusBuyNetCost": {
"type": [
"null",
"number"
]
}
}
}
}
}
}
}
}
}Provenance
- Seen in the source catalog
- 2026-10-20 20:45Z
- Last indexed by Roundhouse
- 2026-10-22 12:40Z
- Last enriched (probe, favicon, geo)
- 2026-10-20 22:45Z
- x402 version
- 2
- Max timeout
- 300s
- Liveness probe
- HTTP 402
Hand this page to an agent
Copy the prompt and paste it into Claude, an MCP client or your own agent — it will vet this service and call it over the free read API. No key, no account.
GET api.roundhouseai.io/v0/endpoints
This endpoint's own trailing-30-day call count, as published by the upstream catalog and snapshotted daily. 4 snapshots so far. Verified volume counts only settlements with an on-chain EIP-3009 marker.
Show the promptHide the prompt
Using Roundhouse, look up the x402 service Automotive Calculators and tell me whether it is worth paying: what a call costs, whether the endpoint answered when last probed, and what its payment record actually shows. curl -s 'https://api.roundhouseai.io/v0/endpoints?q=Automotive%20Calculators' curl -s 'https://api.roundhouseai.io/v0/merchants/<the payTo wallet returned above>' Then call it: read the price from the live 402 at https://automotive-calc.x402tookit.com/lease-vs-buy, never from a cached figure, and pay with an x402 client. The /v0 API needs an API key (`authorization: Bearer rh_live_…`) on everything except /v0/unified* and /v0/endpoints. Either pay over x402 (mint a personal key for $0.01 at GET https://api.roundhouseai.io/v0/test/x402), or ask me for an organization key, which I create at https://roundhouseai.io/dashboard/connections. If you have neither, ask before going further. If you do not have Roundhouse tools or skills installed, read https://roundhouseai.io/skill.md first — it is the whole procedure.