Your weekly cost
$265 /wk

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

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

What's in your $265/wk

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

Finance repayment $190.82
Fuel (Plus Visa Card) $62.31
Comprehensive insurance $21.15
Rego & CTP $15.38
Servicing (Toyota) $7.69
Tyres $7.31
Management fee $6.92
- Less income tax saved - $46.58
Net cost per week $265.00

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

$340/wk

Novated lease:

$265/wk

You're better off by $75 / week.

That's $3,900 a year. Over 5 years: $19,500.

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 $265/wk.

$62/wk · all fuel in

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

4 L/100km

Combined cycle. Around 1,250 km from each 50 L tank.

Drivetrain

FWD · Continuous Variable

Power

138 kW / 221 Nm

Fuel use

4 L/100km

Seats

5 seats · 4 doors

Fuel

Hybrid

Wheels

215/55 R17

Warranty

5 yr / Unlimited km

Safety

5-star ANCAP

Full specifications

Drive away price $42,990
Body type Sedan
Fuel Hybrid
Engine 2.5 L · 4 cylinders · 2,487 cc
Power 138 kW
Torque 221 Nm
Transmission Continuous Variable
Drive FWD
Fuel consumption 4 L/100km
CO2 emissions 91 g/km
Fuel tank 50 L
Seats 5
Doors 4
Kerb weight 1,565 kg
Wheelbase 2,825 mm
Front tyres 215/55 R17
Towing capacity 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 Toyota Camry. It works out at $265/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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