What do I need to use Car Lease Decoder?

The offer sheet; The car; Your driving reality; The alternative.

Is Car Lease Decoder free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Car Lease Decoder

Q: How do I know the Car Lease Decoder output is good?

The skill verifies itself against its own quality checks: The money factor is converted to APR and the markup question is raised; Total lease cost is computed, not just the payment; Mileage exposure uses the user's real miles; Every trap carries a dollar exposure and a protective ask.

🔵 Stable🕐 updated 2026-10-06⚖️ rules checked 2026-07-17Not yet expert-reviewed · review it 🔷 SkillSpec L3 pm-decoders

Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Use when asked to decode my car lease, is this lease deal good, what's a money factor, or review this lease before I sign. Produces the real-numbers decode (money factor → APR, total lease cost), the trap list with dollar exposure, and the negotiation points dealers expect to concede.

▶ Run it free — no key needed 📝 Grade your existing draft 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“Decode my car lease.”“Is this lease deal good?”“What's a money factor?”“Review this lease before I sign.”

What to give it

▸The offer sheet — payment, term, miles/year, drive-off; ideally: money factor, residual %, cap cost, fees

▸The car — model and MSRP (residuals and negotiability vary)

▸Your driving reality — honest annual miles; the mileage trap is priced per your number

▸The alternative — buying the same car, if they want the comparison (chain to `car-tco`)

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓The money factor is converted to APR and the markup question is raised

✓Total lease cost is computed, not just the payment

✓Mileage exposure uses the user's real miles

✓Every trap carries a dollar exposure and a protective ask

✓The disclaimer appears verbatim

⚠️ What it refuses to do

Do not evaluate the payment — payments are the costume; APR and total cost are the deal

Do not accept the money factor as a mystical constant — it's a rate with a markup

Do not use the leased mileage in the math — use the driven mileage

Do not ignore the end-of-lease pages — that's where the cheap payment gets paid back

Do not declare lease vs buy universally — it depends on miles, years, and taxes; point to the calculator

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="car-lease-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Car Lease Decoder is one of 1307 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog