Independent U.S. lease cost tool

Apple Upgrade Calculator

Estimate the full lease total, purchase option, early termination amount and difference versus buying.

Enter the exact figures from Apple checkout and your Klarna disclosure. No invented residual rate, no sign-up and no financial credentials.

U.S. program only 12, 24 or 36 months Return, upgrade or buy paths Verified July 31, 2026

Return-at-end total$0.00 View all results

Official-formula mode. Use figures from Apple checkout and your Klarna schedule. No MSRP estimate.

Apple Upgrade cost calculator

Device type

Initial lease term

Official monthly lease, before tax

Example only: enter your exact Apple quote.

Monthly lease tax

Use the amount in your payment schedule, if shown.

Optional monthly AppleCare

AppleCare is separate and not included in the lease.

Other amount due at signing

Do not repeat a payment already counted below.

Official initial-term payment total (recommended)

Enter the sum of all initial-term installments, including applicable lease tax. This overrides the equal-payment estimate.

Purchase option now

List price at lease signing

Use the price recorded when the lease began.

Lease payments credited to purchase

Use Klarna's credited lease-payment figure, not AppleCare.

Your total outlay to date

Lease payments, tax and coverage already paid; exclude the amount due at signing entered above.

Remaining trade-in / discount credits

Use only the unused credit Klarna shows.

Applicable purchase-option tax

Tax treatment varies; use the official amount.

Assessed damage or service fee

Enter only after an official assessment.

Early return or early upgrade

Completed payment month Used only when an official remaining total is blank.

Official remaining initial-term payments

Sum the unpaid installments, including applicable tax, from your schedule.

Cash-purchase comparison

Current cash price

Compare the exact same configuration.

Cash-purchase tax and fees

Use the Apple checkout estimate for your location.

Three paths

One device.
Three very different outcomes.

The lowest monthly payment is not automatically the lowest total cost. Start with what you expect to do at the end.

Return it.

Add every scheduled lease payment, monthly tax, optional coverage and anything due at signing. You leave without the device.

Upgrade it.

Return the current device and start a new lease. Any condition charge and your new lease disclosure matter.

Own it.

Add the purchase option to your lease costs. Compare that number with buying the same configuration today.

By device

Terms change with the product.

Browse all device guides →

12- or 24-month options

iPhone

Use the Apple Upgrade iPhone lease calculator to compare an official quote with buying outright, Apple Card installments and a quoted buyout.

Open guide → 24- or 36-month options

Mac

Use the Apple Upgrade Mac lease calculator to compare a 24- or 36-month quote with the cash price and end purchase option.

Open guide → 24- or 36-month options

iPad

Use the Apple Upgrade iPad lease calculator to compare a 24- or 36-month disclosure across return, upgrade and buyout paths.

Open guide → 12- or 24-month options

Apple Watch

Use the Apple Upgrade Apple Watch lease calculator to compare lease totals, optional coverage and the quoted purchase option.

Open guide →

Accuracy boundary

Official inputs. Transparent math.

Apple and Klarna do not publish one residual-value percentage that turns every retail price into a monthly lease. That is why this tool never invents a monthly payment.

It performs the calculations the public terms support, shows every input, and labels taxes, damage and contract-specific amounts separately. Read our methodology and formulas or review the official sources.