Novated Lease Transparency Calculator 2025–26

👀 See exactly what you're getting before you buy: CLICK HERE

Please Note: File must be opened in a web browser to function correctly.

Novated Lease Transparency Calculator 2025–26 See every cost — not just the savings

Most novated lease calculators are built by providers. This one isn't.

This tool was built to show you the full picture — the tax saving, yes, but also the interest cost, the management fees, the ECM contribution, and what your take-home pay actually looks like after everything is accounted for.

What it does:

Enter your salary, your vehicle cost, and the figures from your provider quote — and the calculator walks you through exactly what happens to your pay cheque, step by step. You can also use it without a quote for a quick estimate based on your vehicle type and kilometres.

What's included:

Full salary breakdown — gross salary, pre-tax sacrifice, taxable income, tax, take-home, side by side with and without the lease Real take-home pay comparison against a car loan at the same rate Apples-to-apples cost comparison vs car loan or cash/offset purchase over the full term Smart running cost estimator — select your vehicle type and it calculates fuel, servicing, and tyres automatically based on your annual KMs. Override any figure with your own Covers all fees — establishment fee, annual management fee, interest cost over term EV and non-EV modes — eligible EVs use the FBT exemption path with no ECM contribution Uses current 2025–26 ATO tax rates, FBT rate, and statutory residual percentages Detailed instructions and field-level guidance throughout — no guesswork

How to use it:

Download both files, open the HTML calculator in any browser (Chrome, Safari, Firefox, Edge), and use the PDF guide to prepare before meeting with a provider. No internet connection required. No login. No subscription. Works on desktop or mobile.

What you receive:

📊 Novated Lease Transparency Calculator — HTML file, opens directly in any browser 📋 Novated Lease Starter Guide and Checklist — printable PDF covering how a novated lease works, questions to ask your provider, and a glossary of key terms

Who it's for:

Anyone who has received a novated lease quote and wants to understand what the numbers actually mean — or anyone considering a novated lease and wanting a realistic picture before approaching a provider.

⚠️ General information only. Not financial advice. Always seek independent professional advice before entering into any financial arrangement.

File format: HTML calculator + printable PDF guide Internet required: No — works fully offline after download Platform: Works on Windows, Mac, iOS, Android

** This product is not to be redistributed and is for personal use only**

Frequently Asked Questions

What exactly am I buying? Two files — an HTML calculator that opens directly in any browser, and a printable PDF starter guide and checklist. No app to install, no account to create.

Do I need an internet connection to use it? No. Once downloaded both files work completely offline. The only time you'd need internet is to download them in the first place.

What devices does it work on? Any device with a modern browser — Windows, Mac, iPhone, iPad, Android. It's fully responsive so it works on mobile screens as well as desktop.

Do I need a novated lease quote to use it? No. You can use it in estimate mode — just enter your salary, pick a vehicle type and approximate car price, and it estimates running costs automatically. A quote makes the results more accurate but it's not required.

How accurate are the results? When you enter exact figures from a real provider quote, the calculator matches closely — within a few dollars per month. The small remaining gap is due to providers using proprietary internal formulas. All outputs are estimates and should be verified with your provider before making any decisions.

What tax rates does it use? 2025–26 ATO income tax brackets, 47% FBT rate, and current ATO statutory residual percentages. These are updated each financial year — check the product page for the current version.

Is this financial advice? No. This is a general information tool only. It does not constitute financial, tax, or investment advice. Always seek independent professional advice before entering any financial arrangement.

Can I share it with a friend or colleague? The files are for personal use. If someone else wants a copy, please send them to the store — it helps keep tools like this being built and updated.

What if the calculator has a bug or something looks wrong? Contact me through the store and I'll look into it. If there's a genuine error I'll issue an updated file.

Will I get updates when the tax rates change? If you purchase through Payhip you'll receive an email when an updated version is available for the same product. Updates are free for existing customers.

Version 1.3 — April 2026

• Added Luxury Vehicle Adjustment (LVA) auto-calculation for vehicles over the ATO luxury car limit
• LVA is automatically shown, hidden, and calculated based on your inputs — override with your quote figure if needed
• Fixed labelling in the detailed salary breakdown to correctly show what's pre-tax vs post-tax
• Minor display and clarity improvements throughout

Version 1.1 — April 2026

• All input fields now start at $0 — no figures are assumed on your behalf
• On-road government costs (stamp duty, rego, CTP, PPSR) now expanded by default so these are not missed
• Running cost estimator no longer auto-populates — select a vehicle type to activate estimates
• Disclaimer is now a banner at the top of the page rather than a popup modal, works on all devices
• Results summary now shows factual cost outcomes only — no recommendations
• Fixed a bug that caused the calculator to stop working in some browsers
• Minor wording improvements throughout