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Novated lease calculator
Disclaimer: Figures shown are indicative only and based on standard assumptions current as at October 2025. They do not take into account your personal objectives, financial situation, or needs, and are not financial, legal, or taxation advice. Actual costs and savings may differ. You should seek independent advice before entering into a novated lease. Learn more.
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Our friendly team at Positive Salary Packaging are here to help guide you through your setup.
Contact our support team
You can also give us a call on 1300 946 527
Why a Novated Lease?
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Reduce taxable income
Make repayments, maintenance, fuel, insurance and even registration from your pre-tax income, and reduce the amount of tax you pay upfront.
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Employer options
You can choose the car you want and take it with you to your next job if you change employers.
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Leasing options
A range of novated car lease options allows you to choose those with flexible terms, fixed interest rates, and no deposit requirement.
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Salary packaging
Talk to us about salary packaging benefits and understand how salary packaging works and where the savings come from. We’re here to answer any questions you have about salary packaging.
What people say
I’ve had two novated leases where Tom Warby was my point of contact on both occasions. He made the process simple, explained everything clearly, and handled it all efficiently. He is very knowledgeable and highly recommended.
I’d looked into Novated leasing many times previously but had always found it quite confusing, with pushy sales reps that really put me off.
Tom from the Adelaide office came recommended to me so I decided to chat to him about an EV novated lease. Tom was extremely knowledgeable and was able to explain things clearly for my personal circumstances. The pricing was very good and I felt comfortable progressing.
Tom managed and coordinated everything from there which made the process really easy and I picked up my new EV in October 2025.
I’ve recommended Tom to many friends since this time, all of whom have had a similar experience.
Overall I’m very happy with the service provided. Thanks!
Gave me a quote I couldn’t refuse, and turned around the entire process in 2 days! Extremely happy with Luke’s service; he explained everything clearly and made novated leasing seamless and efficient.
I had such a wonderful experience with Positive Salary Packaging. Luke was incredibly helpful, patient and professional throughout the entire process.He explained everything clearly, answered all my questions and kept me updated at every stage, which made the whole experience smooth and stress-free.I truly appreciate Luke’s support and would highly recommend him and the Positive Salary Packaging team to anyone considering salary packaging or a novated lease.
I had an outstanding experience with Positive Salary Packaging from start to finish. The entire process of arranging my novated lease was handled professionally, efficiently, and with excellent communication every step of the way. What initially seemed like a complicated process was made simple and stress-free thanks to their expertise and willingness to answer all of my questions.
The team was knowledgeable, transparent, and genuinely focused on finding the best solution for my needs. Their customer service was exceptional, and I always felt informed and supported throughout the journey.
I highly recommend Positive Salary Packaging to anyone considering a novated lease or salary packaging. Thank you for making the experience so seamless and enjoyable.
A special thank you to Thomas Warby for your outstanding professionalism, dedication, and support. Your hard work and commitment made all the difference, and I truly appreciate everything you did to help me secure my novated lease and my new car.
Common questions
It is possible to switch from a car loan to a Novated Lease. The specifics will depend on the terms of your current loan, any early repayment fees, and the agreement with your leasing provider. Consulting with Positive Salary Packaging will give you a clear picture of the steps involved and any associated costs.
Yes, you can lease a used car using this method. However, the specific terms and conditions might vary based the age or condition of the used vehicle. It’s essential to check with your us for the exact requirements and potential limitations.
No, the Novated Lease Operating Cost Method is different from a Business Operating Lease. A Business Operating Lease is an agreement where a business leases a vehicle for a set period, after which the vehicle is returned to the lessor. In contrast, the Novated Lease Operating Cost Method is an arrangement between an employee, employer, and a leasing company, where the employee can lease their personal vehicle through salary packaging, factoring in a business use percentage for potential tax savings.
Employers can benefit in several ways, including reduced fleet management responsibilities, potential GST credits on operating costs, and the ability to offer an attractive incentive for employee attraction and retention.