Salary Sacrifice Novated Lease Calculator ATO

The Salary Sacrifice Novated Lease Calculator ATO estimates after-tax vehicle costs using ATO statutory rates. Calculate tax savings, FBT impact, ECM offsets and EV exemptions across lease terms with clear annual, monthly or weekly results.

ATO 2026 Compliant
FBT Statutory Formula
Salary Sacrifice Standard
Show Results Per:
Annual
Monthly
Fortnightly
Weekly
$
$
$
Figures updated to Annual View
Net After-Tax Cost
$0
Cash impact on take-home
Tax Saved
$0
Income Tax + GST Saved
Total Benefit
$0
Vs Cash Payment
Lease Term
3 Years
ATO Standard
Residual (Balloon)
$0
Refinance Cash Payout
FBT Method
ECM Active
Post-tax contribution
⚡
Switching to an eligible EV could save an extra $0 per year. Below Luxury Car Tax threshold
3 Years
$0
Standard
4 Years
$0
Balanced
5 Years
$0
Lowest Cost
Salary Safety
Safe (10%)
ATO comfort range: under 20%
Confidence
High (95%)
Based on ATO rates
⛽ Fuel/Charge $0
🛡️ Running $0
💰 GST Claimed $0
📉 Eff. Rate –%
🛡️ Insurance $0
📝 Rego $0
⛽ Fuel/Elec $0
🔧 Maint/Tyres $0
Est. Taxable Income
$0
Take-Home Impact
$0
Annual Cost Breakdown
Total Outflow (Finance + Running)$0
Employee Contribution (Post-Tax)$0
Pre-Tax Deduction$0
Less: Income Tax Saved$0
Less: GST Saved$0
Net Annual Cost$0
🔁
Refinance $0
🔄
Trade-In $0
💰
Payout $0
ATO Compliance Disclaimer Calculations based on ATO Statutory Formula (20% flat rate) and 2025/26 income tax brackets. Includes 2% Medicare Levy. ECM is applied to offset FBT liability for ICE vehicles. Results are estimates only.

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