Pick a vehicle, price it on-road with real state stamp duty and GST, then see the lease finance split pre-tax and post-tax — plus the running cost and FBT math behind it, worked out in full rather than hidden.
Pulls from the running cost and FBT calculators below — lease finance plus running costs, split into what comes out pre-tax and what's paid post-tax as your ECM contribution.
This amount financed carries through automatically to the lease below — no need to copy it across. GST claim is capped at 1/11th of the ATO car limit ($69,883 for 2026–27); that's what's actually deducted from the drive-away price. LCT (33% on the GST-exclusive amount over the threshold) is already priced into a new car's drive-away figure — shown here for visibility, not as an extra cost.
This includes salary packaging — the FBT and ECM math above applies. Use the toggle to see the lease on its own, no packaging.
Fill in the calculator above to see the comparison.
Fuel or charging, servicing, tyres, rego and insurance — bundled into one weekly figure. Feeds straight into the FBT operating cost method below.
The engine behind the novated lease figure above. Statutory formula or operating cost, Type 1/2 gross-up, and the employee contribution needed to bring FBT to nil.
Type in the numbers from another quote and see how it stacks up against ours — normalised to a weekly figure either way.
Enter their amount to compare.
This pre-tax/post-tax split carries straight over — see the real dollar saving on your actual salary.
Continue to salary packaging →