Novated Lease Calculator Australia

Novated Lease Calculator Australia helps estimate real salary packaging outcomes for petrol, diesel, EV, and PHEV vehicles. Compare lease, loan, and cash costs, view payroll deductions, tax savings, residual risk, and EV FBT benefits based on Australian rules.

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Novated Lease Australia
Vehicle & Salary Profile
Show Impacts:
WEEKLY TAKE-HOME IMPACT
$0
Net reduction in pay
IS IT WORTH IT?
ANALYZING…
Tax Benefit vs Cash Buy
EFFECTIVE OWNERSHIP COST
Pay Cash $0
Car Loan $0
Novated Lease $0
Cost per selected period
Cash cost reflects usage + depreciation, not lost investment return
TAX SAVED VS MONEY SPENT
💸 You Pay $0
🧾 Tax Saved $0
Annual Figures
💼 HR & End of Lease
PAYROLL IMPACT (WHAT HR SEES)
Pre-Tax Ded.$0
Post-Tax (ECM)$0
Deducted per pay cycle
RESIDUAL STRESS INDICATOR
$0
Owed at end (Base Cost)
Comfortable Range
🧠 Deep Context
Salary Sweet Spot
—
Ideal Income Range
Lifetime EV Delta
—
Total 5yr Savings vs ICE
Quote Confidence
High
✔ Stable Salary
✔ Standard Km
End-of-Lease Net
Sell Profit—
Refi Cost—
Assumes ~110% of residual (market dependent)
⚠️ Risk Check
WHY THIS MIGHT NOT BE FOR YOU
❌ Salary too low ($X)
❌ Km usage low
❌ Unstable Employment
PAY IMPACT RATIO
Low
Net lease cost vs take-home pay
Salary Package Breakdown
Component (Annual)Amount
Finance Payment (Ex GST Estimate)$0
Running Costs (Ex GST)$0
Pre-Tax Deduction$0
Post-Tax Deduction (ECM)$0
Income Tax Saved$0
GST Savings (ITC Estimate)$0
TOTAL BENEFIT (Over Term)$0
Medicare Levy not included. Conservative GST estimate (provider dependent).
Loan comparisons assume similar balloon structure for fairness.

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