OzFiniq is an independent novated lease and salary packaging broker — not a salary packaging administrator. Compare a lease against buying it yourself, see the real tax saving on your salary, and check every figure yourself before you commit to anything.
Each one stands alone, and feeds into the others — running costs roll into the novated lease figure, which rolls into your salary packaging saving.
Fuel or charging, servicing, tyres, rego and insurance — bundled into one weekly figure. Feeds straight into the FBT operating cost method below.
The engine behind every other calculator on this site. Statutory formula or operating cost, Type 1/2 gross-up, and the employee contribution needed to bring FBT to nil.
Pulls straight from the two calculators above — lease finance plus running costs, split into what comes out pre-tax and what's paid post-tax as your ECM contribution.
On-road cost estimates are indicative per state (stamp duty, rego & CTP) — confirm exact figures with your state's revenue office. GST claim is capped at 1/11th of the ATO car limit ($69,883 for 2026–27); anything above that isn't recoverable. LCT (33% on the GST-exclusive amount over the threshold) is already priced into a new car's drive-away figure — shown here for visibility, not as an extra cost.
Fill in the calculators above to see the comparison.
Type in the numbers from another quote and see how it stacks up against ours — normalised to a weekly figure either way, since quotes get shown weekly, fortnightly or monthly depending who's sending them.
AI reading isn't connected on this copy of the site — enter the figures above manually, or see the backend README to switch this on.
Enter their amount to compare.
The pre-tax portion above reduces your taxable income. This is the actual dollar saving that produces — matched to your employer's sector.
Includes the 2% Medicare levy, resident 2026–27 brackets. Excludes LITO and Medicare levy surcharge thresholds — treat as indicative, not a final figure. The sector toggle re-splits pre-tax/post-tax using an indicative rebate/exemption effect; the FBT calculator above is where that gets worked out properly.
Reportable fringe benefits are added back to your income for HECS/HELP and Medicare Levy Surcharge purposes, even though they're not added back for income tax. If your ECM contribution doesn't fully zero out the FBT taxable value, packaging can help less than the headline tax saving suggests — sometimes a lot less.
A public hospital employee and a private sector employee can end up with a very different saving on the same car. The calculator asks your sector first.
Search across every question on this page — novated leases, salary packaging, and the legal detail further down — or browse by category below.
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A three-way arrangement between you, your employer and a financier. You choose the car, the financier owns it for the term of the lease, and your employer takes on the lease payments, deducting them from your pay before tax is applied.
Yes, it's voluntary on the employer's part, and most medium-to-large employers already have an arrangement in place. If yours doesn't, we can approach them directly — setting it up usually costs the employer nothing.
Generally yes, provided it will be no more than around 12 years old by the end of the lease term and passes a roadworthy check.
No. The financier holds ownership for the term of the lease. You get full use of the car, and can choose to pay out the residual and take ownership at the end.
Three options: pay out the residual (balloon) value and keep the car, refinance the residual into a new lease, or hand the car back.
The lease can usually be transferred across to your new employer. If they don't already offer novated leasing, we can help get it set up, or arrange an alternative in the meantime.
Typically anywhere from one year up to five.
Salary packaging is the broader mechanism of bundling approved benefits into your pay before tax. A novated lease is one specific benefit you can package this way.
Fringe Benefits Tax is a tax your employer is liable for on non-cash benefits provided to you. In most novated leases, a post-tax contribution from you (the Employee Contribution Method) offsets this so no FBT ends up payable.
A set post-tax amount you contribute toward the lease, sized to bring the taxable value of the car benefit down to nil — see the FBT calculator above for the exact figure on your car.
Generally no — for most health and not-for-profit employees, a novated lease sits separately to, and on top of, your standard packaging cap.
Yes — eligible EVs first held and used from 1 July 2022 can be FBT-exempt, provided the vehicle is priced under the fuel-efficient luxury car threshold.
Typically fuel or charging, comprehensive insurance, registration and CTP, servicing and maintenance, tyres, and roadside assistance.
You need to be a genuine employee earning a salary and paying income tax — this generally covers full-time, part-time and some casual arrangements, subject to your employer's own policy.
Often yes, through what's called a self-managed novated lease: you arrange your vehicle and finance through us, while your employer's existing provider continues to handle the payroll deductions and FBT administration. There's no single law that forces exclusivity — it comes down to your employer's own policy or procurement contract. Some larger employers (particularly in government) have a standing panel arrangement that genuinely limits you to approved providers, so it's worth checking your employer's salary packaging policy first. Where you do have a choice, using an independent broker means you can compare pricing rather than accept a single provider's quote.
Fill in a few details and get a one-page pitch you can send to payroll or HR — built from the arguments that actually land, tailored to your sector.
Send us your details and whatever you've worked out in the calculators above comes with it, so we're not starting from scratch.
This form is a placeholder — it opens your own email app with the details filled in rather than submitting anywhere. It needs a real form handler (and a privacy policy covering what happens to the data) before this goes live.
Placeholder content — every figure and clause here needs a proper legal/compliance review before this goes live. It exists so the shape of the page is right, not as usable legal text yet.
[Business name] Pty Ltd (ABN [xx xxx xxx xxx]) is a credit representative (Credit Representative Number [xxxxxx]) of [Aggregator / ACL holder name] (Australian Credit Licence [xxxxxx]). We arrange credit as a broker — we are not the lender, and any finance we arrange is subject to the credit provider's own approval.
We're generally paid a commission by the financier when a loan or lease settles, and this may vary between lenders on our panel. We'll tell you the amount, in dollars, before you commit to any finance — ask us any time if it isn't clear.
We compare products from [list of panel lenders] and will tell you which lenders we did and didn't consider for your quote.
We collect what you enter into the calculators and enquiry form to prepare a quote and get in touch. We don't sell it. It may be shared with the financier you choose to proceed with, as part of a credit application. Full detail belongs in a proper Privacy Policy, covering the Australian Privacy Principles, before this site is public.
Contact us directly first at [complaints email/phone] — we aim to resolve issues within a few business days. If you're not satisfied with our response, you can take it to the Australian Financial Complaints Authority (AFCA) free of charge, once our AFCA membership is in place.
Calculator results are estimates for general information only, not financial or tax advice, and don't account for every circumstance. [Business name] is not liable for decisions made based on these figures alone — get advice specific to your situation before signing anything.