VEERCAL

Know the true cost of your next car.
Before you sign anything.

Most car calculators show you a monthly repayment. Veercal shows you the full picture — depreciation, stamp duty, running costs, finance charges, and what the car is worth when you sell. Every finance structure, side by side, in plain English.

Open the Calculator → Learn how it works
5
Finance structures compared
8
Australian states and territories
100%
Free to use
FY25
ATO rates verified
What Veercal does

The honest car finance calculator

Built for Australian buyers who want to understand what they are actually committing to, not just the headline monthly payment.

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True total cost
Every dollar in, every dollar out. Finance costs, running costs, stamp duty, depreciation, and your exit value when you sell. One honest number.
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Side by side comparison
Compare cash, personal loan, dealer finance, finance lease, and novated lease using the same vehicle, same hold period, same running costs.
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Novated lease modelling
Full salary sacrifice and FBT calculation using ATO statutory rates. EV FBT exemption built in. Provider fee input. The most complete novated model available for free.
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Exit simulator
What does it cost if you sell at year 2? Year 3? See your true position at any point in the ownership period, including cost per kilometre.
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On-costs included
Stamp duty calculated for all 8 states and territories. Luxury Car Tax modelled. EV government rebates factored in. Nothing hidden.
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Save and share scenarios
Save your comparison and share it as a link. Open the same scenario on any device. Compare dealer quotes side by side before you walk in.
What we cover

Every way Australians buy cars

Veercal models all five major car ownership structures used in Australia, with accurate rates and real-world assumptions.

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Cash Purchase
Full upfront payment with opportunity cost modelling
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Personal Loan
Bank or lender finance with full amortisation schedule
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Dealer Finance
Secured lending with balloon payment modelling
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Finance Lease
ATO statutory residuals, suitable for business use
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Novated Lease
Full salary sacrifice, FBT and EV exemption modelling
Free guides

Understand before you decide

Plain-English guides to every car finance structure in Australia. No jargon, no agenda.

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How Novated Leases Work in Australia
Salary sacrifice, FBT, residuals, and who actually benefits. The most complete plain-English explanation available.
Read guide →
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EV Novated Leases and the FBT Exemption
Eligible EVs under $89,332 are FBT-exempt. Here is what you save and who qualifies.
Read guide →
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The True Cost of Owning a Car in Australia
What dealers do not tell you. All eight cost categories with real numbers.
Read guide →
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Dealer Finance vs Personal Loan
Comparison rates, balloon payments, and the vehicle price trade-off explained.
Read guide →
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Should You Pay Cash for a Car?
The opportunity cost argument with real numbers, including the mortgage offset scenario.
Read guide →
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View all guides
Browse the full Veercal learning centre
See all →

Ready to see your real numbers?

Enter your vehicle price, state, and how long you plan to keep the car. Veercal does the rest.

Open the Calculator → Read the guides