1) Enter the vehicle and on-road details
Set the price, state and toggles for business and fuel-efficient/EV. Our on-road estimate reflects stamp duty bands, rego/CTP and LCT.
2) Structure the finance
Adjust deposit/trade-in, choose term, rate and repayment frequency. If you’re in novated mode, the residual follows ATO guidelines by term.
3) Interpret the outputs
- Repayment: principal + interest per period
- Total interest: cost of borrowing over the term
- Residual (if any): lump sum at the end
- Approx. comparison rate: fees included for fairer comparisons
4) Worked example
Try $60,000 in NSW, 10% deposit, 60 months at 7.49%, monthly. Now toggle a 30% balloon and note the repayment drop and interest increase.
5) Export and share
Use PDF for a neat summary and CSV for amortisation details. The share link captures your inputs.