TrueCost

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.