TrueCost

See the true cost faster. Export to PDF, get clearer projections, and unlock more powerful insights with Pro.

Make smarter car decisions with complete clarity.

Buying or financing a car is one of the biggest financial decisions you’ll make—but most comparisons only scratch the surface. Repayments alone don’t tell the full story.

TrueCost shows you what a car really costs—now and over time.

Compare the true cost of ownership across different options—whether you’re keeping your current car, financing a new one, exploring a novated lease, or reviewing real quotes from providers.

See the full picture

Go beyond simple repayments and understand both: • Take-home pay impact (what’s actually left in your pocket each pay) • Total cost of ownership (TCO) (what it really costs overall)

TrueCost models real-world financial effects like income tax, salary sacrifice, and FBT, so you can compare options on a true like-for-like basis—with clear, consistent cost projections.

New: Import, compare, and export your quotes

Got multiple quotes from providers like Maxxia, LeasePLUS or Smartleasing?

Now you can go from raw quote → clear decision in seconds:

• Upload 2–3+ quote PDFs • Automatically extract key numbers like finance payments and residuals • Compare providers side-by-side • Export your comparison to PDF • See the real impact on your take-home pay • Instantly spot which option leaves you better off

No spreadsheets. No sales spin.

What you can do with TrueCost

• Compare car scenarios side-by-side • Model loans, novated leases, and outright ownership • Import and compare real lease quotes (Pro feature) • Export comparisons to clean, shareable PDFs • See how each option impacts your take-home pay • Understand both cash flow and total cost of ownership (TCO) • See the impact of balloon / residual payments • Explore petrol vs EV trade-offs • Factor in tax effects including salary sacrifice and FBT • Build and save custom scenarios • Instantly see which option is better—and why

Designed for real-world decisions

TrueCost isn’t a generic calculator. It’s built to reflect how people actually structure car purchases in the real world—especially when tax and employer programs are involved.

Whether you’re: • Deciding between keeping your current car or upgrading • Comparing petrol vs electric vehicles • Evaluating a novated lease through your employer • Comparing multiple quotes from different providers • Trying to understand if a “good deal” really is good

TrueCost helps you cut through the noise.

Clear insights, not guesswork

TrueCost doesn’t just show numbers—it explains them.

Understand why one option comes out ahead, including trade-offs like: • Lower monthly impact vs higher long-term cost • Tax advantages vs residual obligations • Salary packaging benefits vs take-home income changes

Make your next car decision with clarity and confidence.