[Haris]

That is correct. Your sum of payments without tax is $22,104. Tax liability is $1961.73 (same as spreadsheet above). If you pay sales tax upfront that is the sales tax you pay (not including tax on rebate & acq fee).

If you roll it into cap cost your total sales tax with additional tax becomes: $2153 - then you add this to cap cost and recalculate your monthly payments -- now you are also paying interest on this 2153.

In the end rolling sales tax in NY will cost you additional $292 over the life of lease. See this comparison below -- again, subtract $1000 from due upfront and also total cost. Pay attention to Finance Charges and Total Tax.

+1 on paying sales tax upfront!