NLC.AU
FY 2025–26 · Stage 3 Tax Cuts Applied

Novated
Lease
Calculator

See exactly how much tax you save. Updated for FY 2025-26 with PMT amortisation, EV exemptions and Stage 3 tax cuts. No sign-up required.

Calculate My Savings How it works
✓No lead forms ✓Full formula transparency ✓EV FBT exempt

Your Numbers

Calculate Your Tax Savings

Your Details

$

Vehicle

$

Zero FBT if price under $91,661

Employee Contribution Method

Running Costs

Annual estimates incl. GST

$
$
$
$
$

Your Estimated Annual Saving

$0 / year

That's $0 per week · $0 total over lease

Tax without lease$0
Tax with novated lease$0

Weekly Saving

$0

Marginal Rate

$0

FBT Payable

$0

GST Saving

$0

Gross Salary $0
Pre-tax Sacrifice $0
Taxable Income $0
Tax (without novated) $0
Tax (with novated) $0
Tax Saving $0

Estimates based on ATO FY 2025-26 guidelines. Stage 3 tax cuts applied. PMT amortisation used. Consult a salary packaging provider for exact figures.

Simple Process

Three Steps To Save More

01

Enter Your Salary

Add your annual gross salary and state. We apply the correct Stage 3 tax brackets and Medicare levy instantly.

02

Choose Your Car

Enter the vehicle price, lease term, and interest rate. We use proper PMT amortisation — not simple averages.

03

See Real Savings

Get your exact tax savings, weekly benefit, and full breakdown. No forms, no sales calls — just transparent numbers.

The Benefits

Why Australians Choose Novated

A novated lease lets you pay for your car from your pre-tax salary. Every dollar goes further because it hasn't been taxed yet.

Since 2022, electric vehicles under $91,661 attract zero FBT — making novated leasing an EV significantly cheaper.

⚡

Pre-tax payments

Car costs come from gross salary before tax, reducing your taxable income significantly.

💰

GST savings

Your employer claims GST input tax credits on the vehicle, saving you up to $6,191.

🔋

EV zero FBT

Electric vehicles under $91,661 pay zero FBT since 2022 — a massive extra saving.

📦

All-in package

Fuel, rego, insurance and servicing all bundled pre-tax. One simple deduction.

Common Questions

FAQ

Ready To Save More?

Calculate your savings now. No forms, no sales calls.

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