A Australia-specific calculator with the official 2026-27 gst + stamp duty + lct rules, registration fees, and trade-in tax treatment. See your true monthly payment, total tax, and first-year ownership cost — then compare trade-in vs private sale.
In Australia, the cost of buying a car combines the purchase price, state stamp duty (motor vehicle duty), registration, and — for vehicles above the threshold — the federal Luxury Car Tax (LCT). New dealer prices include 10% GST in the advertised price; used private sales carry no GST. There is no separate national sales tax on vehicles beyond GST and stamp duty. Stamp duty is set by each state and territory and is payable when you register the vehicle.
Stamp duty varies by state: New South Wales charges 3% up to $45,000 and 5% above; Victoria is about 4.2% ($8.40 per $200); Queensland, Western Australia, South Australia, the ACT, Tasmania, and the Northern Territory each have their own rates and tiers, often higher for luxury or high-emission vehicles. The LCT for FY2026-27 is 33% on the GST-inclusive value above $91,661 for fuel-efficient vehicles and $80,809 for other vehicles (verified ato.gov.au). The formula is (GST-inclusive value − threshold) × 10/11 × 33%. This calculator applies your selected state duty and the LCT automatically, and shows the threshold with its verification date.
Australian car loan rates in 2026 typically range from about 6% for new cars to 9% or more for used, depending on credit, lender, and whether the loan is secured. The monthly payment uses a standard amortization formula on the amount financed (price minus deposit and trade-in). Enter your actual pre-approved rate for an accurate figure. A balloon payment can lower monthly repayments but increases the final settlement — this tool models a straight amortizing loan.
Unlike the US and Canada, most Australian states do not reduce stamp duty by your trade-in value, so there is no direct tax saving from trading in. The trade-in vs private-sale comparison is therefore mostly about price and convenience: a dealer trade-in is quick and easy but usually offers less than a private sale would net. The selling-mode calculator shows the gap so you can decide.
Stamp duty (motor vehicle duty) is set by each state and territory and is charged when you register a vehicle. NSW charges 3% up to $45,000 and 5% above. Victoria is about 4.2% ($8.40 per $200). Queensland, WA, SA, ACT, Tasmania, and the NT each have their own rates and tiers — select your state for the figure used here.
For FY2026-27 the ATO LCT threshold is $91,661 for fuel-efficient vehicles and $80,809 for other vehicles (verified ato.gov.au). LCT is 33% on the GST-inclusive value above the threshold. This calculator applies it automatically and shows the threshold with its verification date.
Yes — new dealer prices include 10% GST in the advertised price. Used private sales carry no GST. This calculator shows the GST portion of a new dealer price for transparency but does not add it as an extra cost, since it is already inside the sticker price.
LCT = (GST-inclusive value − threshold) × 10/11 × 33%. The 10/11 factor removes the GST component before applying the 33% rate. It is payable by the dealer and passed on in the price for vehicles above the threshold. This calculator applies the formula directly.
Generally no — most states do not reduce stamp duty by your trade-in value, unlike the trade-in sales-tax credit common in the US and Canada. Check your state revenue office for the exact rule. The selling-mode comparison reflects this.
No. It uses publicly available 2026-27 ATO thresholds and state duty rates with a standard loan formula. Confirm current rates with the ATO, your state revenue office, and your lender before buying.
Your estimate uses the standard amortization formula for the monthly loan payment and Australia's official 2026-27 gst + stamp duty + lct, registration, and trade-in tax rules, pre-filled into the fields above. Every rate is editable so you can match your actual quote. On the sell side, the calculator compares trade-in against private-sale net proceeds.