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Car Loan Calculator: Australia

Calculate your monthly car payment including sales tax, trade-in and fees, see total interest and cost, or find how much car a monthly budget buys.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

Australia: drive-away prices already carry the GST

GST at 10% is already inside the advertised drive-away price, so there is no tax to add and no field to fill in. The distinction matters when you are comparing quotes: a drive-away figure is what you finance, while a price quoted before on-road costs is not, and the difference is not a tax the calculator can work out for you. Enter the drive-away number.

The one charge that can sit outside this model is Luxury Car Tax, which applies above a threshold on the value of the car and is not modelled here. If the vehicle you are pricing is over the threshold and the quote you have does not already include LCT, add the amount to the fees field so it is financed with everything else rather than quietly missing from the payment.

A trade-in in Australia reduces what you borrow by its equity, but it cannot reduce a GST that was never itemised on the invoice as a separate line you are being charged.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Australian consumer finance conventionsServices AustraliaWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.