Employer salary-packaging analytics
For HR and payroll teams: what the novated lease market actually looks like across your workforce — and why BYO-finance policies save your staff real money at zero cost to you.
Employers tracked
22
BYO finance possible
50%
11 of 22 (community data)
Market median effective rate
12.29%
42 audited quotes
BYO-finance stance
Panel providers seen
Coverage by industry
What a lease costs your staff, by salary band
Canonical $62,000 FBT-exempt EV, 60-month lease, $58,000 financed — audited with QuoteClear's ATO-calculation engine (2026–27 settings).
| Gross salary | Annual tax benefit | Take-home impact / fortnight | Effective cost of car / yr |
|---|---|---|---|
| $80,000 | $5,911 | $474 | $12,330 |
| $100,000 | $5,837 | $477 | $12,403 |
| $120,000 | $5,837 | $477 | $12,403 |
| $150,000 | $6,887 | $437 | $11,353 |
The BYO case for HR
A workforce of 1,000 with typical novated lease penetration (~3–5%) has 30–50 staff paying a median effective rate of 12.29%. Staff who source their own finance at competitive rates save roughly $1,000–$2,500 per year each — a meaningful, zero-cost benefit you can unlock by simply allowing BYO finance in your packaging policy. The panel administrator still handles payroll deductions; nothing operationally changes.
Aggregate market data only; no individual data held. Community-sourced employer statuses — verify before policy decisions.