A novated lease calculator estimates how much a salary-packaged car will nick from your take-home pay by blending lease payments, running costs, GST treatment, and FBT. You’ll punch in the car’s drive-away price, lease term and residual (balloon), your marginal tax rate, estimated fuel/servicing/rego/tyres, and the interest rate plus any provider fees. Most tools assume the 20% statutory FBT method and let you offset it with post-tax contributions (ECM), while employers typically claim GST credits that trim costs. The output shows per-pay pre- and post-tax deductions, total cost over the term, and the residual you’ll owe if you keep the car. Watch for differences in employer policies and provider fees, and note that some EVs may qualify for FBT concessions if they meet current rules. Treat it as a very handy estimate, not holy scripture—then shop around like a seagull eyeing hot chips.
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