Help me understand all the factors for a lease

All right I did my own re-search but I still don't know understand a bit of the math.



Assuming a 43k Final price:



MF: .0013 Residual: 60%



Then I do: 43000 x .40 = 17200



17200 / 39 payments ~ 441



MF is .0013 x 2400 = 3.12



From my understanding the 3.12 becomes the APR that I will be paying?



Then I can just plug into a loan calculator as:



Loan amount 17200.

Month: 39

interest rate: 3.12

Calculator gives me: ~464



Therefore, the difference is 23 dollars monthly(in this scenario) from no taxes to taxes.



Does the MSDs serve to lower those 23 dollars? To this I need to add Taxes do you usually recommend just paying the taxes up front or monthly. I a min WA so I have ~ 9% tax.



Did I misunderstood anything?



Thanks in advance

Tona