Your weekly cost
$923 /wk

All-in · fuel, finance, insurance, rego, servicing, tyres included

Kilometres per year: 15,000kms
5,000 45,000

What's in your $923/wk

Everything below is included. We tally it monthly and reconcile annually so the weekly number stays honest.

Finance repayment $900.07
Fuel (Plus Visa Card) $62.31
Comprehensive insurance $21.15
Rego & CTP $15.38
Servicing (BMW) $7.69
Tyres $7.31
Management fee $6.92
- Less income tax saved - $97.83
Net cost per week $923.00

Your out-of-pocket savings

Compared to financing the same car on a 5-year car loan + paying running costs from your post-tax salary.

Car loan + cash

$1,073/wk

Novated lease:

$923/wk

You're better off by $150 / week.

That's $7,800 a year. Over 5 years: $39,000.

Numbers move when you change income, kms or term above. See full assumptions.

Still saves you tax.

Finance and running costs come out of your pay before tax. FBT is covered by an after-tax contribution that’s already inside your $923/wk.

$62/wk · all fuel in

Fill up anywhere and pay with the Visa card. It’s bundled into the one pre-tax payment.

Drivetrain

AWD · 8 Sp Auto Steptronic Sprt

Power

390 kW / 650 Nm

Seats

5 seats · 4 doors

Fuel

Petrol

Wheels

275/35 ZR19 / 285/30 ZR20

Warranty

5 yr / Unlimited km

Full specifications

Drive away price $186,100
Body type Sedan
Fuel Petrol
Engine 3.0 L · 6 cylinders · 2,993 cc
Power 390 kW
Torque 650 Nm
Transmission 8 Sp Auto Steptronic Sprt
Drive AWD
Fuel tank 59 L
Seats 5
Doors 4
Kerb weight 1,780 kg
Wheelbase 2,857 mm
Front tyres 275/35 ZR19
Rear tyres 285/30 ZR20
Warranty 5 yr / Unlimited km
Now the hard part - talking to your boss

We’ve drafted the email for you. With this car in it.

Most employers say yes within 48 hours. We’ve made it un-awkward – copy the email, send it, we handle the rest.

Subject: Quick HR thing - novated lease

Hi Sarah,

I've been looking into a novated lease for the BMW M3. It works out at $923/wk all-in and there's no cost or admin overhead for the business - Positive SP handle everything. I've attached a one-pager…

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