Calculator
Adjust the sliders to match your offer. See what the allowance is really worth after tax and running costs.
Updated July 2026
Want the full breakdown? Read the blog post: Car Allowances in Australian Sales: What They're Actually Worth →
You can claim the cents-per-km deduction even if you receive a car allowance. Capped at 5,000 km.
Your car, your choice
Pick the make, model, and spec that suits you.
You're building equity
Once the finance is paid off, you own the asset.
No RFBA on your income statement
Car allowances don't inflate your adjusted taxable income the way company vehicles do.
Total flexibility
No restrictions on personal use, modifications, or how you run the vehicle.
Portability
Change jobs, keep the car. No handback, no transition period.
| Item | Annual |
|---|---|
| Fuel | $5,700 |
| Tolls / E-Tag | $2,400 |
| Insurance | $2,000 |
| Servicing | $1,500 |
| Tyres | $600 |
| Registration | $1,200 |
| Depreciation (15%) | $8,250 |
| Total | $21,650 |
Last updated: 2026-06-30
ATO cents/km
91c
Super guarantee
12%
Medicare levy
2%
MLS tier 1 (single $105,001-$123,000)
1%
MLS tier 2 (single $123,001-$164,000)
1.25%
MLS tier 3 (single $164,001+)
1.5%
MLS tiers (family, reference)
$210,001 / $246,001 / $328,001
FBT rate
47%
FBT statutory fraction
20%
FBT gross-up (Type 1, employer FBT)
2.0802
FBT gross-up (Type 2, RFBA)
1.8868
Super on car allowance
Depends on type(see note)
HELP repayment $0-$69,528
Nil
HELP repayment $69,529-$129,717
15% over $69,528
HELP repayment $129,718-$186,050
$9,028 + 17% over $129,717
HELP repayment $186,051+
10% of total income
Super is generally payable on a flat car allowance kept regardless of vehicle costs, but not where it is calculated to cover expected vehicle expenses and expected to be fully expended, or reimburses actual kilometres after the trip. Source: s 10A SGAA and draft LCR 2026/D1 (18 March 2026), paragraphs 87 and 154 to 156. The draft does not name car allowances. Confirm with payroll, and check any award or enterprise agreement, which can require super on amounts that are not ordinary time earnings.
All figures are estimates based on FY2026-27 Australian tax rates, FBT rates, and ATO guidelines. Individual circumstances vary. This calculator does not constitute financial or tax advice. Always consult a registered tax agent for advice specific to your situation.
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