Upload your novated lease document and get an instant analysis of your real interest rate, hidden fees, and contract red flags — all in plain English.
Three steps. Under two minutes. No jargon.
PDF, Word doc, or photo. We extract everything we can automatically so you barely need to type anything.
We pre-fill what we found. You just confirm your salary, employer type, and kilometres — takes 30 seconds.
A plain-English breakdown of your rate, fees, savings comparison, and exactly what to do next.
Our AI reads every clause so you don't have to — then benchmarks it against real Australian market data.
We calculate the true effective annual rate — not the "management fee inclusive" number providers quote — and compare it to current market benchmarks adjusted for your term, employer, and vehicle type.
Management charges, admin fees, and insurance markups buried in schedules. We find every one and show you what they're costing over the full term.
Harsh exit penalties, exclusive service provider clauses, and balloon residual traps — flagged with plain-English explanations before you sign.
Is your ECM contribution correctly structured? Is your FBT fully neutralised? Does your RFBA affect your HECS repayments? We calculate it all.
Side-by-side: your novated lease vs. an optimised novated, a standard car loan, and cash purchase — monthly, fortnightly, and total cost over term.
Not just analysis — we tell you exactly what to say to your provider, including email templates to request a rate reduction or remove unfair clauses.
We process your lease document to generate your report and delete it immediately. We never share your data with lease providers or third parties.