Your weekly cost
$567 /wk

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

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

What's in your $567/wk

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

Finance repayment $499.08
Fuel (Plus Visa Card) $72.69
Comprehensive insurance $28.85
Rego & CTP $15.38
Servicing (BMW) $8.65
Tyres $7.69
Management fee $6.92
- Less income tax saved - $72.26
Net cost per week $567.00

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

$684/wk

Novated lease:

$567/wk

You're better off by $117 / week.

That's $6,084 a year. Over 5 years: $30,420.

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 $567/wk.

$73/wk · all fuel in

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

7.9 L/100km

Combined cycle. Around 820 km from each 65 L tank.

Drivetrain

AWD · 8 Sp Auto Sports Mode

Power

185 kW / 350 Nm

Fuel use

7.9 L/100km

Seats

5 seats · 5 doors

Fuel

Petrol

Wheels

245/45 R20 / 275/40 R20

Warranty

5 yr / Unlimited km

Safety

5-star ANCAP

Full specifications

Drive away price $107,500
Body type SUV
Fuel Petrol
Engine 2.0 L · 4 cylinders · 1,998 cc
Power 185 kW
Torque 350 Nm
Transmission 8 Sp Auto Sports Mode
Drive AWD
Fuel consumption 7.9 L/100km
CO2 emissions 180 g/km
Fuel tank 65 L
Seats 5
Doors 5
Kerb weight 1,815 kg
Wheelbase 2,864 mm
Front tyres 245/45 R20
Rear tyres 275/40 R20
Towing capacity 2,400 kg
ANCAP rating 5/5
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 X4. It works out at $567/wk all-in and there's no cost or admin overhead for the business - Positive SP handle everything. I've attached a one-pager…

Or one of these in the same space

Any make, any model. Yes, including the second-hand one your mate's selling.

BMW X3

BMW X3

From $470/wk
incl. running costs | $95k income
4 variants
Get a quote
Show variants 4
BMW IX3

BMW IX3

From $344/wk
incl. running costs | $95k income
2 variants
Get a quote
Show variants 2
Audi SQ5

Audi SQ5

From $557/wk
incl. running costs | $95k income
8 variants
Get a quote
Show variants 8
Mercedes-Benz GLC

Mercedes-Benz GLC

From $480/wk
incl. running costs | $95k income
5 variants
Get a quote
Show variants 5
Audi Q6

Audi Q6

From $498/wk
incl. running costs | $95k income
5 variants
Get a quote
Show variants 5
Mercedes-AMG GLB

Mercedes-AMG GLB

From $556/wk
incl. running costs | $95k income
Get a quote
Show vehicle
Genesis GV60

Genesis GV60

From $514/wk
incl. running costs | $95k income
5 variants
Get a quote
Show variants 5
Porsche Macan

Porsche Macan

From $509/wk
incl. running costs | $95k income
9 variants
Get a quote
Show variants 9
Lexus NX350

Lexus NX350

From $435/wk
incl. running costs | $95k income
3 variants
Get a quote
Show variants 3