Finance Calculator
Novated Lease Repayment Calculator
Estimate the indicative finance repayment on a novated lease. This is a finance repayment only — it does not include FBT, GST processing, running costs, or the ATO minimum residual.
Example rate only — enter a rate to estimate. Not a rate offered by Shielded Finance.
Estimated repayment
$1,262.70
per month
- Vehicle price
- $40,000
- Loan term
- 36 months
- Interest rate
- 8.50% p.a.
- Total repayments
- $45,457.25
- Total interest
- $5,457.25
Indicative finance repayment only. This does not include FBT, GST processing, running costs, or the ATO minimum residual, all of which materially affect the real cost of a novated lease.
Important information
This calculator is provided for general illustrative purposes only and gives an estimate based on the figures you enter. It is not a quote, pre-qualification, offer of finance, or credit assistance, and does not take into account your objectives, financial situation, or needs.
Results are estimates only and do not include fees, charges, government duties, or other costs, which will affect the actual cost of any loan. Interest rates entered are examples only and are not rates offered by Shielded Finance or any lender. Actual rates, repayments, and approval are subject to a lender's assessment of your individual circumstances and credit profile.
Before making any decision, you should consider whether the information is appropriate for you and seek independent financial, tax, or legal advice. Any tax treatment referred to (including GST, depreciation, or FBT) depends on your individual circumstances — consult a registered tax adviser.
For novated leases in particular, this estimate is an indicative finance repayment only. It does not include Fringe Benefits Tax (FBT), GST processing, running costs (fuel, insurance, servicing, registration), or the ATO minimum residual value, all of which materially affect the real cost of a novated lease.
Shielded Finance (ACR 577342) is an authorised credit representative of Fintelligence Pty Ltd, Australian Credit Licence 511803. Please read our Credit Guide for more information.