About Novated Lease Calculator Australia
Australia's independent novated lease comparison engine, built to help salary-packaged workers understand their exact tax savings.
Our Mission
We believe every Australian employee deserves to understand exactly how much a novated lease could save them — before they sign anything. Our mission is to demystify salary packaging by providing free, accurate, and independent calculation tools based on current ATO regulations and Stage 3 tax rates.
Unlike provider-owned calculators that may be biased toward specific financiers or lease products, our tool is completely independent. We don't sell leases, we don't earn commissions from providers, and we don't share your data. Our only goal is to give you transparent numbers so you can have informed conversations with your employer and chosen provider.
What We Do
Free Calculator Tools
Interactive novated lease calculators covering EV, hybrid, petrol, and diesel vehicles under current ATO Stage 3 tax brackets — with real-time updates as you adjust salary, term, and distance.
Educational Guides
Comprehensive, jargon-free guides on novated leasing, Fringe Benefits Tax (FBT), the Electric Car Discount, and the Employee Contribution Method (ECM) to help you make informed decisions.
ATO-Compliant Calculations
All calculations use official ATO statutory formulas, including minimum residual percentages, luxury car tax thresholds, and current income tax rates with Medicare levy.
Printable Quotes
Generate detailed, print-ready novated lease quotes summarising GST savings, tax impacts, running costs, and total term savings for your specific vehicle and salary.
Our Expertise
Our team includes professionals with backgrounds in Australian taxation, financial planning, and consumer finance. We stay current with:
- Australian Taxation Office (ATO) statutory formula guidelines and annual updates
- Stage 3 individual income tax rates (effective from 2024-25 onwards)
- Treasury Laws Amendment (Electric Car Discount) Act and FBT exemption rules
- Fuel-Efficient Luxury Car Tax thresholds (currently $91,661 for FY 2026/27)
- ATO minimum statutory residual percentages for lease terms of 1–5 years
- GST input tax credit rules applied to novated lease vehicle purchases
Our Values
Independence
We are not affiliated with any salary packaging provider, financier, or dealership. Our calculations are unbiased and based solely on ATO regulations.
Transparency
We clearly explain every line item in our calculations. No hidden fees, no surprises, no jargon without explanation.
Privacy
All calculations run in your browser. We don't store your personal or financial data on our servers. See our Privacy Policy.
Accessibility
Our tools are free forever, accessible on any device, and designed to be used by anyone regardless of their tax knowledge.
Important Disclaimer
General Advice Only: The content and tools on this website are provided for general informational and educational purposes only. They do not constitute financial, taxation, legal, or investment advice. Always consult a qualified financial advisor, registered tax agent, or accountant before making decisions about a novated lease or salary packaging arrangement.
Get In Touch
Have questions, suggestions, or found an issue with our calculations? We'd love to hear from you. Visit our Contact Us page to reach our team.