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You're right—those payment calculators are wildly inconsistent and borderline useless for real decision-making. OEM sites like VW often give ballpark estimates that don't factor in dealer-specific incentives, accurate taxes, fees, or current money factors, and they rarely explain the math. It’s frustrating because it ends up scaring off buyers who might be able to afford the lease, especially if they’re not experienced like you. Dealer calculators can be slightly better, especially if they're using updated plug-ins, but even those don’t always reflect accurate quotes. It’s a problem, especially in a market where transparency builds trust.