Novated leasing calculator

See how much you could save with an SG Fleet novated lease.

Select the type of vehicle you like, enter your salary, estimated annual kilometres, and preferred lease term, and see estimated costs and savings to help you find your ideal choice.

Try it to see the benefits of packaging a novated lease vehicles with us.


Select your vehicle

Approximate weekly cost

The approximate weekly cost is the reduction in your take home pay to lease the vehicle type indicated. Inclusions in the approximate weekly cost are:

  • Fuel and maintenance, 'up to' your nominated kilometre limit
  • One set of replacement tyres are included for every 40,000 klms
  • Comprehensive insurance, registration and CTP (where applicable)
  • Lease rental and FBT component (FBT is calculated utilising the Employee Contribution Method and utilises a sliding scale for the statutory fraction applied)
Savings over a year

Annual savings have been calculated by comparing the total cost to run the selected vehicle from after tax pay compared to a salary packaging arrangement.

Components that contribute to the overall saving include:

  • Fleet discount on the purchase of the vehicle
  • Income tax savings
  • Vehicle is financed net of GST
  • Most running costs are net of GST
  • Fuel is paid from pre tax dollars, significantly reducing the cost per litre

Leasing information

Approximate on-road cost
Annual salary
Annual kms
Lease term
Approximate weekly cost
Savings over 1 year term
Enter your details
Collection statement
Calculations provided are an estimate only and do not constitute a quote or offer of finance. SG Fleet recommends that you seek your own independent legal, financial and tax advice when making any decisions in respect of a novated lease. SG Fleet makes no representations, warranties (express or implied) whatsoever about the functionality or accuracy of this calculator and accepts no liability arising out of your use of or access to this calculator including (without limitation) any errors or omissions.

The salary packaging amounts and take-home pay calculations set out above are estimates only based on particular assumptions by SG Fleet (further details are available upon request) and the minimal information you provide. Calculations do not take into account any luxury car levy that may be payable in cases where the amount financed exceeds the car limit as set by the Australian Taxation Office. Calculations will vary where the luxury car levy applies.

Note that the calculations include a provision for fringe benefits tax (FBT), which has been calculated by using  the statutory formula method (based on a single flat rate of 20 per cent).  

SG Fleet does not purport to offer legal, financial or taxation advice. Employers and employees should seek independent advice as to the implications of a novated lease transaction.

Too busy to shop

You’ve always got lots going on. In the hustle bustle, finding the time for things like shopping around for that new car you want can easily get pushed to the bottom of your list.

We can help. We will do the hard yards and negotiate a better new car price for you, we can also help arrange test drives, and get you a better trade-in deal with our hassle-free service. And once your new lease starts, we take care of all your car's needs for hassle-free driving.

Watch our short ‘less life admin’ video to find out more.

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Ready to get your novated lease?

Ready for a new car? Find out how easy it is to get a novated lease with SG Fleet and all the benefits you'll enjoy, and start saving money.

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How to get a novated lease

Getting a novated lease through SG Fleet is quick and easy. Find out how we can help you.

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Packaged vs non-packaged

Salary packaging a novated lease can save you money. Compare the costs to paying for the same car with after-tax salary.

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