Vehicle Lease Calculator Melbourne

Vehicle Lease Calculator Melbourne helps buyers understand real car finance outcomes. Monthly, weekly or fortnightly payments, balloon impact, total out-of-pocket cost, cash vs finance comparison, early exit risk, and income stress are shown using Melbourne market assumptions.

Payment Frequency
Weekly
Fortnightly
Monthly
$
$
%
$
$
$
Your Estimated Payment
$0
Based on standard amortization
Monthly
🔴 Immediate Reality
Can I Afford This?
—
Based on Income
Balloon Day Shock
0x
Months of Payments
Total Out-of-Pocket
$0
Loan + Fees + Duty
Dealer Illusion Meter
Low Monthly ≠ Cheap
Cash vs Finance
+$0
Premium vs Cash
🟠 Melbourne Market Reality
Walk Away Risk (2yr)
-$0
Loss if sold early
VIC Early Exit Penalty
Month —
Sell before = Loss
Refinance Dependence
NO
Is balloon mandatory?
Depreciation Assumption
~15% p.a.
Metro Average
Used vs New Risk
Normal
Asset Drop Rate
🟡 Psychology & Future
Looks Cheap Bias
—
Payment Illusion
Upgrade Trap @ Year 3
Neutral
Equity Position
Ownership Exposure
–%
Owned after 5 years
Future You Warning
—
Pain Shift Analysis
🟢 Scenario Planning
Max Income Drop
-$0 /mo
Buffer before stress
Rate Rise Stress (+1%)
+$0
Monthly Impact
Balloon Refi Preview
Est. $0
24m @ Term End
Neg. Equity Window
None
Underwater Period
🔵 Trust & Transparency
Interest Paid Early
–%
First 24 Months
Fee Weight
0% of Total
Cost Over Price
$0
Total Premium
Effective Cost Rate
0%
Fees Included
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📊 Visual Summary
Payment Timeline (Pmt + Balloon)
Big lump sum at end
Calculated Verdict
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Based on LVR & Balloon
Finance Breakdown (Melbourne)
Vehicle Price$0
VIC Stamp Duty (Indicative)$0
Less Deposit$0
Amount Financed$0
Total Interest Charges$0
Total Monthly Fees$0
Final Balloon Payment$0
Total Amount Repaid$0
Calculator Disclaimer: VIC Stamp Duty is estimated based on VicRoads rates for standard passenger vehicles (~$8.40 per $200 market value or 4.2%). Luxury vehicles (>~$77k) attract higher duty (~5.2%). Does not account for primary producer or green car exemptions. “Effective Cost Rate” is an approximation excluding establishment fees. Break-even assumes 15% p.a. depreciation. Balloon risk is indicative.

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