Business Vehicle Lease Calculator

The Business Vehicle Lease Calculator estimates true ownership costs for company and sole trader vehicles. It factors in GST recovery, tax deductions, interest, depreciation, balloons, and cashflow impact to show net business cost over the lease term with clear, decision-focused results.

Payment Frequency:
Weekly
Fortnightly
Monthly
Annual
$
$
$
Showing Monthly Figures
Net Out-of-Pocket Cost
$0
After Tax Savings & GST (Real Cost)
Monthly
🔥 Critical Business Metrics
Total Business Cost
$0
All Inc. (End of Term)
GST Recovery
$0
Claim at Next BAS
Cashflow Pressure
—
Typical SME Thresholds
Total Benefit %
0%
Of Vehicle Price
Verdict loading…
🚗 Affordability & Risk
Bank Payment (Gross)
$0
Leaves Bank Acc
Worst Case (+1%)
$0
If rates rise
Balloon Exposure
$0
Lump Sum Risk
Exit Flexibility
—
Trade/Refi Ease
📊 Analysis & Strategy
Vs Cash Purchase
—
Indicative Comparison
ATO Audit Risk
Low
Standard Structure
Eff. Interest (Post-Tax)
0%
Real Cost of Funds
Upgrade @ Year 3
—
Indicative Market Value
🧠 Accountant Summary
Finance Amount$0
Total Interest (Deductible)$0
Depreciable Base$0
GST Input Credit (Upfront)$0
Est. Tax Benefit (Term)$0
NET COST TO BUSINESS$0
Sensitivity Analysis
—
If Biz Use drops 20%
Refinance Spot
—
Balloon @ 2yrs
Finance Risk Flags
None
Structure Warnings
Business Finance Breakdown
Vehicle Price$0
Less Deposit$0
Amount Financed$0
Total Interest$0
Less GST Credit$0
Less Tax Benefit$0
Net Cost (After Tax)$0
Business Disclaimer: Estimates based on Chattel Mortgage. GST claimed upfront (capped at LCT limit if applicable). Tax savings calculated on Interest + Depreciation (Prime Cost) x Tax Rate. Consult your accountant.

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