[header] How to calculate finance charges on a leased vehicle [title] Determine the net cap cost. [step] The term " net cap cost " is a shortened form of net capitalized cost. This is ultimately the overall price of the vehicle. 
The net cap cost may be affected by other additions or subtractions, as follows : [substeps] Any miscellaneous fees or taxes are added to the cost to increase the net cap cost. Any down payment, trade in or rebates are considered " net cap reductions.