Your weekly cost
$363 /wk

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

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

What's in your $363/wk

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

Finance repayment $278.74
Fuel (Plus Visa Card) $72.69
Comprehensive insurance $28.85
Rego & CTP $15.38
Servicing (Toyota) $8.65
Tyres $7.69
Management fee $6.92
- Less income tax saved - $55.92
Net cost per week $363.00

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

$457/wk

Novated lease:

$363/wk

You're better off by $94 / week.

That's $4,888 a year. Over 5 years: $24,440.

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

Plug-in hybrid – FBT applies.

The FBT exemption for plug-in hybrids ended on 1 April 2025. It’s covered by an after-tax contribution that’s already inside your $363/wk.

$73/wk · all fuel in

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

4.8 L/100km

Combined cycle. Around 1,150 km from each 55 L tank.

Drivetrain

AWD · Continuous Variable

Power

227 kW / 227 Nm

Fuel use

4.8 L/100km

Seats

5 seats · 5 doors

Fuel

Plug-in Hybrid

Wheels

235/50 R20

Warranty

5 yr / Unlimited km

Safety

5-star ANCAP

Full specifications

Drive away price $63,340
Body type SUV
Fuel Plug-in Hybrid
Engine 2.5 L · 4 cylinders · 2,487 cc
Power 227 kW
Torque 227 Nm
Transmission Continuous Variable
Drive AWD
Fuel consumption 4.8 L/100km
CO2 emissions 110 g/km
Fuel tank 55 L
Seats 5
Doors 5
Kerb weight 2,030 kg
Wheelbase 2,690 mm
Front tyres 235/50 R20
Towing capacity 1,500 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 RAV4. It works out at $363/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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