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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.

Data sources

  • Australian consumer finance conventions

    Effective 2023-07-01 onward · retrieved 2026-08-30

    Superannuation preservation age is separate from and lower than the Age Pension age.

    How we checked these figures

    The Age Pension age has been 67 for everyone born on or after 1 January 1957 since 1 July 2023.

    Current

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page with the official sources they came from.

CentExact Editorial · Research & verification

Every CentExact calculator is built from the published finance formula, tested against spreadsheet, lender and tax-authority figures, and reviewed when the underlying rates or rules change.

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.