Novated leasing without the hidden costs.
See exactly what you'll pay with our transparent calculator. No inflated fees, no sales pressure.
Three things you'll feel from the first quote.
Every cost shown upfront
No surprise fees, no inflated margins — just clear numbers, before you sign anything.
Effective rate, not the marketing rate
We recalculate the real APR from the contracted dollars in any quote you upload.
You choose the budgets
Running costs, insurance and servicing are set by you — we don't force expensive add-ons.
Understand it before you crunch numbers.
Plain English, no industry spin — then the calculator does the rest.
Select your car & running costs
Choose your car and tell us roughly what you'll spend on things like fuel, rego, insurance and servicing. We'll show you the simple pre-tax and post-tax breakdown for every pay cycle.
Introduce us to your employer
We work with your employer to get everything set up — including the finance, paperwork and payroll deductions. We do the legwork, so you don't have to.
Your car costs come out of your pay
Your lease and everyday running costs — like rego, insurance, servicing and fuel or charging — are bundled into one regular payment from your salary.
Drive it. Save tax. That's it.
You get the car and we help keep everything sorted. By paying for your car through your salary, you could reduce your taxable income and pay less tax.
Already have a quote? See how it stacks up.
Upload it and see in 15 seconds how MillarX compares — same car, contracted dollars, no forms to fill. Effective APR recalculated from the contracted dollars, not the marketing rate. If your existing quote already beats ours, we'll tell you.
Compare your quoteTransparent leasing, lower stress.
"GOATed novated leasing experience. Full transparency, no pushy sales tactics, and reasonable rates. Can't thank the team enough for sorting out my NL in 2 business days. Incredible."
"MillarX were outstanding to deal with. They helped me compare novated lease quotes side by side, broke down all the hidden costs, and ultimately saved me over $9,000. Their advice was clear, objective, and genuinely in my best interest. I'd highly recommend them to anyone who wants to avoid overpaying. An absolute no-brainer!"
"Ben was fantastic in helping unpick and understand the leasing process and finance options. Fast service, transparent and honest advice"
"Ben is fully transparent and has a great online calculator, thank you"
"Ben/millarX are great to deal with and made my experience of setting up a new Novated lease, a very easy and stress free one. Highly recommend"
"Ben has provided great advice and support in the navigating novated leases to a newcomer like myself. Highly recommended."
"Ben has been so very helpful in assisting me navigate the quotes and estimates for a novated lease. Very quick to respond and happy to answer any question I had. I very much recommend Ben at MillarX for all your novated lease enquiries! Thanks again Ben!"
"Ben and MillarX were a great help going through my first novated lease. From procuring the vehicle through to setting up and understanding how the management of a novated lease works, he was very clear and open. This form of car ownership saves consumers a great deal of money. I highly recommend a novated lease with MillarX."
"Ben is an awesome broker. I'm new to novated leasing and Ben guided me all the way from start to finish. Went through all the options and benefits according to my situation. He made everything really easy and great to deal with. I'd recommend Ben and the business to anyone who is looking for a better option and stress free transaction for personal or your business."
"Ben saved my sanity! Navigating the complicated world of novated leasing is so confusing. With Ben / MillarX's expert advice, I am now confident moving forward and very pleased with the money I saved. Highly recommend - save yourself the time and frustration trying to work it yourself, reach out to MillarX instead."
"I cannot speak highly enough of the team at MillarX, and the founder Ben. I was locked into a particular novated leasing company as dictated by my employer. The staff I spoke to made it sound like BYO finance was NOT an option, but Ben explained it all to me and once I understood, I had the confidence to call back and insist. Ben saved us over $10k in repayments on the car loan over 5 years! He is very patient, transparent and aims to make you feel informed and empowered to make smart choices."
"Found Ben and MillarX through his active engagement on the NovatedLeasingAu subreddit. Reached out to get more information on novated leasing and had an in depth response to all my questions within an hour or 2. Meetings were setup between my employer and Ben and the company was quickly on boarded and ready to go. Once I had found a vehicle I had keys in hand within 7 days of contacting the dealer. The process could not have been smoother. Can not recommend highly enough."
A fintech-first team, built to disrupt leasing.
We're a locally built, tech-first novated leasing business using automation and transparency to make leasing simpler, clearer and fairer — a self-guided platform with zero fee creep and no undisclosed rates.
About MillarXStill have questions?
How is MillarX different from a traditional novated lease broker?
We show every cost upfront and let you set your own running-cost budgets, instead of bundling in inflated margins and add-ons.
Do I need a quote already to use the calculator?
No — drop in your salary and pick a car to see a full breakdown. If you already have a quote from elsewhere, upload it instead and we'll compare it.
Does the FBT exemption apply to EVs automatically?
Yes, eligible electric vehicles have the EV discount and FBT exemption applied automatically in every calculation.
Is this financial advice?
No — this is a guide, not financial advice. Figures are illustrative; speak with a licensed adviser before you commit.