Motorate — AU Car Loan & Novated Lease Calculator
Smarter Australian car finance decisions — clear repayments, AU‑specific on‑roads, and tax‑aware novated insights in minutes.
Why Motorate
AU‑specific accuracy
Stamp duty bands, rego/CTP by state and class, LCT thresholds by financial year.
Novated clarity
ATO residual matrix, statutory FBT with gross‑up, days held, ECM and running costs.
Finance you can compare
Repayments, balloons and an approximate comparison rate so fees aren’t hidden.
Interactive (server‑side) calculator preview
If you are seeing this, JavaScript is disabled or failed to load. Our calculator is interactive and requires JavaScript. Below is a default scenario summary, followed by our guides.
Default scenario (no‑JS preview)
- Vehicle price: $60,000
- State: NSW
- Term: 60 months
- Rate: 7.49% p.a.
- Fees (est.): $400
Example outputs:
- Amount financed (est.): $60,400
- Repayment (monthly): ~$1,212
- Total interest (est.): ~$12,300
Prefer a no‑JavaScript calculator? Use the basic server‑side version.
Read our guides (no‑JS friendly):
Start here
Car Financing Guides
Loan Shopping
Novated Leases
Buying Strategies
Step‑by‑Step Guides
Financial Tips
Market Analysis
Comparisons
Disclaimers
- Not advice. Information is general and illustrative. It does not consider your objectives, financial situation or needs.
- No guarantees. Figures are approximations; rules and thresholds change. Verify with relevant authorities and your lender/employer.
- Jurisdictional variation. Stamp duty, registration, CTP and LCT vary by state, vehicle class and concessions.
- Novated complexity. FBT depends on gross‑up type, days held, ECM, running costs, EV exemptions and employer policy.
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