Free & Transparent
Novated Lease Calculator
Compare novated lease, car loan and cash purchase — side by side. No signup. No bias.
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Novated Lease
Monthly pre-tax cost
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Est. post-tax cost
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Total over term
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💳
Car Loan
Monthly repayment
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Monthly running costs
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Total over term
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💰
Cash Purchase
Upfront cost
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Monthly running only
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Total over term
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Side-by-Side Comparison
| Factor | 🚗 Novated | 💳 Loan | 💰 Cash |
|---|---|---|---|
| Monthly cost | — | — | — |
| Total cost (term) | — | — | — |
| Tax impact | Pre-tax savings | Post-tax only | No tax benefit |
| Ownership | Finance co. / employer | You (lender security) | You (outright) |
| Flexibility | Tied to employer | Fully independent | Fully independent |
| Running costs bundled | ✅ Yes | ❌ Separate | ❌ Separate |
Smart Insights
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⚠️ Estimated values only. Calculations use simplified formulas and do not account for all individual circumstances, employer arrangements, or legislative changes. Always consult a licensed financial adviser before making financial decisions. Tax rates used are approximate marginal rates only.