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Novated Lease Guide & Calculator
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      • What is a novated lease, really?
      • EV vs ICE novated leases compared
      • Is a novated lease worth it?
      • How to read a novated lease quote?
      • How to use the novated lease calculator
      • 20 novated lease calculators reviewed
      • Glossary of terms
      • Overview
      • Why "tax saved" is the wrong metric
      • Real-life example - How a marketed "$21,320 savings" result in a $5,591 net loss
      • Real-life example — Leasing an $81k Tesla turned out cost-neutral to keeping a $25k Mazda
      • Why novated lease interest rates look high
      • Why effective interest rates are higher on short leases and cheaper cars
      • FBT, RFBA, and adjusted taxable income explained
      • All about residual values
      • You don't have to sell your car above residual value
      • The '$70k is too low for novated lease savings' myth — corrected
      • Overview
      • Running costs as a "piggy bank"
      • ATO EV home charging shortcut (5.47c/km from 1 Apr 2026)
      • Some employers do not pass on GST saving
      • Consideration of Insurance Premium vs Excess in a Novated Lease Environment
      • Overview of risks and exit strategies
      • Lease length, residuals, and risk
      • What happens if a novated lease ends early - redundancy, job transfer, vehicle write-off etc
      • How bad can early termination get - sample calculations
      • Risk mitigation strategies for early termination risk
      • Think like a gambler - why the same novated lease can be brilliant for one person and terrible for another
      • Overview of special cases and policy
      • The complicated impact on adjusted taxable income and childcare subsidy
      • FBT-exempt employer and novated lease - don't double count the FBT exemption!
      • Super guarantee and payroll risks
      • NSW Health's "Employer Share" - A Special Novated Lease Trap
      • EV FBT exemption review timing
      • Why novated leasing is poorly regulated
      • Who I am and how I became "the novated lease guy"
      • History of the novated lease calculator
      • Privacy Policy
      • Disclaimer
      • Contact me

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