Lease Wear Charge Calculator
Got hit with an excess-wear charge on your lease return? Check whether a dent, scratch, curb rash, or other line item is likely contestable under the industry credit-card test and federal Regulation M. Free, instant, and private — nothing is stored or sent.
Free check · No signup · No credit card
Tip: a standard credit card is about 2 inches tall — damage smaller than that is generally normal wear.
Enter the charge details above to see whether it is likely contestable.
Check your actual inspection report
Upload your actual lease-end inspection report or final bill for a free, line-by-line analysis — see which charges may be contestable under the credit-card test. If you decide to act, we can generate a formal dispute letter.
Free analysis · No signup · Optional dispute letter ($29) only if you act
How the check works
Lease-end wear charges are only supposed to cover damage beyond reasonable wear and use. Most manufacturers build their published wear guides around the credit-card test: cosmetic damage smaller than a standard credit card (about 2 inches) is generally treated as normal and not charged, while larger damage is graded as excess. Cracked glass, tears, burns, worn tires, and missing equipment are typically chargeable regardless of size. Excess mileage and the disposition fee are set by your lease contract rather than the vehicle’s condition. This checker applies those norms to flag what is worth disputing — your manufacturer’s wear guide and your state’s rules control the final outcome.
Calculator FAQs
Is this lease wear calculator free?
Yes. The check runs entirely in your browser, requires no signup or card, and nothing you enter is stored or sent anywhere.
What is the "credit card test"?
It is the industry rule of thumb most manufacturers build their lease-end wear guides around: cosmetic damage that fits within the footprint of a standard credit card — roughly 2 inches — is generally treated as normal wear and is not chargeable. Larger damage, cracked glass, tears, and missing equipment are typically chargeable. Your lessor's own wear guide controls the exact thresholds.
How accurate is this estimate?
It is a ballpark based on the credit-card test and common manufacturer norms, not a guarantee. Your actual outcome depends on your lease, the manufacturer's published wear guide, the inspector's assessment, and your state's rules. Under the Consumer Leasing Act you also have the right to an independent third-party appraisal that is binding on both sides.
When would I actually pay anything?
Only if you choose to generate a formal dispute letter after seeing your free analysis. The checker itself never charges you.
This calculator provides a general estimate, not legal or financial advice, and does not guarantee any outcome or amount. Whether a charge is contestable depends on your lease, the manufacturer’s wear guide, the inspection, and your state. Last reviewed: June 2026.