The early-termination formula
The official rule is the sum of every unpaid installment remaining in the initial lease term, including applicable tax, plus any assessed damage fee. A payment schedule is more accurate than multiplying one advertised payment because tax or a credit adjustment can vary.
If every installment is identical, monthly payment including lease tax multiplied by remaining months is a useful check. Your actual Klarna payment schedule remains authoritative.
Early upgrade is two transactions
Paying early does not guarantee the next application or preserve the old payment. The new device, term, taxes and credit decision can change.
- Close the existing lease by satisfying its remaining initial-term obligation.
- Return the current device within the required return period.
- Apply separately for a new lease and receive a new approval decision.
Return timing and condition
Apple states that a device associated with an early upgrade or termination must be returned within 14 days. Back up your data, disable account locks, document the device condition and keep return tracking or an in-store receipt.
When an early exit rarely saves money
Because the remaining initial-term payments are still due, returning the device early usually does not erase the core lease obligation. The decision is generally about switching devices or ending possession, not avoiding scheduled rent.