Self-managed novated lease calculator
A bundled quote gives you one periodic payment covering finance, running costs and administration together — so the interest rate inside it never surfaces. This prices the finance on its own, holding the car and the term constant, which is the only way to see what that component is actually costing.
Indicative comparison only, not a quote or credit offer. Payments are GST-exclusive, finance-only figures, calculated monthly in arrears with a 2-month deferral, using ATO minimum residual values and rates we estimate from general market knowledge. Excludes running costs, fees and salary-packaging effects. Your personal quote confirms the real numbers. Want the full breakdown?
An indication, not a quote. It shows the shape of the difference on the inputs you entered; a real figure depends on the actual vehicle and on credit assessment. Nothing is sent anywhere — the calculation runs in your browser.
Already holding a quote?
A calculator works from assumptions. Your own quote works from the actual numbers you have been given — we can pull the finance component out of it and show you the rate you are really being charged, and what that costs over the term.
Get a real quote on the car you want
Tell us the car and we will price the finance properly, rather than from a slider.
Common questions
What does this calculator show?
The difference the finance makes on a novated lease, holding the car and the term constant. It is not a full lease calculation — it deliberately isolates the one component a bundled quote does not itemise, which is the interest rate on the loan underneath it.
Why does a bundled quote not show me this?
A bundled novated lease quote states a periodic payment covering finance, running costs and administration together. The interest rate inside it is not usually broken out, so there is nothing to compare against. Pricing the finance separately is what makes it visible.
Is this a quote?
No. It is an indication based on the car price and term you enter, to show the shape of the difference. A real figure depends on credit assessment and on the actual vehicle, which is what a quote is for.
Do I need to give my email to see the result?
No. The calculation runs in your browser and the result is on screen. The form below is there if you want a real quote on a specific car, and it is optional.