Dealers focus on the monthly repayment. Veercal shows you the full picture — stamp duty, depreciation, running costs, and what the car's worth when you sell.
Start anywhere — all five tools connect.
Five questions. Instant ranked comparison of every finance option — cash, personal loan, dealer finance, and novated lease — with a plain-English explanation of which wins and why.
Compare my options →Full control over every input — deposits, rates, hold period, running costs. Six analysis tabs including exit simulator and year-by-year breakdown.
Open calculator →Step-by-step FBT breakdown, fortnightly take-home pay impact, ATO residual table, and EV exemption. Every assumption shown, every calculation explained — free.
Calculate my lease →Enter a drive-away price and see the exact stamp duty, LCT, and on-cost breakdown for every Australian state. EV concessions included.
Calculate stamp duty →Finance ending? Enter what you owe and what the car is worth. See all five options — pay outright, refinance, trade in, sell privately, hand back — with your real numbers.
See my options →Every figure that sits behind the monthly payment — modelled, explained, and compared across all five finance structures.
Plain-English guides to the decisions most Australians make on autopilot.
Enter your vehicle price, state, and how long you plan to keep the car. Veercal does the rest.