Your weekly cost
$522 /wk

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

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

What's in your $522/wk

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

Finance repayment $450.56
Fuel (Plus Visa Card) $72.69
Comprehensive insurance $28.85
Rego & CTP $15.38
Servicing (Volvo) $8.65
Tyres $7.69
Management fee $6.92
- Less income tax saved - $68.74
Net cost per week $522.00

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

$634/wk

Novated lease:

$522/wk

You're better off by $112 / week.

That's $5,824 a year. Over 5 years: $29,120.

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 $522/wk.

$73/wk · all fuel in

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

8.1 L/100km

Combined cycle. Around 880 km from each 71 L tank.

Drivetrain

AWD · 8 Sp Automatic

Power

183 kW / 350 Nm

Fuel use

8.1 L/100km

Seats

7 seats · 4 doors

Fuel

Petrol

Wheels

275/45 R20

Warranty

5 yr / Unlimited km

Full specifications

Drive away price $97,990
Body type SUV
Fuel Petrol
Engine 2.0 L · 4 cylinders · 1,969 cc
Power 183 kW
Torque 350 Nm
Transmission 8 Sp Automatic
Drive AWD
Fuel consumption 8.1 L/100km
CO2 emissions 185 g/km
Fuel tank 71 L
Seats 7
Doors 4
Kerb weight 2,065 kg
Wheelbase 2,984 mm
Front tyres 275/45 R20
Towing capacity 2,400 kg
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 Volvo XC90. It works out at $522/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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