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Fleet Finance Calculator

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Your Fleet Finance Summary
Per-Vehicle Monthly
$565/mth
Total Fleet Monthly
$2,825/mth
Total Fleet Annual
$33,900/yr
Fleet Discount Savings
$4,200/term

Fleet Cost Projection

YearAnnual CostCumulative CostCost Per Vehicle

Fleet Breakdown

ItemTotal CostPer Vehicle

How It Works

Fleet financing allows businesses to acquire multiple vehicles with volume discounts and simplified management.

Larger fleets typically qualify for 2-5% discount on interest rates, reducing overall financing costs.

Tip: Fleet financing with 5+ vehicles often qualifies for volume discounts, reducing your effective cost by 2-5%.

Key Benefits

  • Volume-based interest discounts
  • Simplified fleet management
  • Consistent vehicle standards
  • Centralized financing
  • Cost predictability
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Disclaimer: This calculator provides estimates only. Fleet discounts vary by lender, vehicle type, and credit profile. Please consult with a qualified financial advisor for personalized fleet financing options.

Frequently Asked Questions

What are the benefits of fleet finance?+

Fleet finance offers volume discounts on vehicle purchases, simplified administration with one finance facility, consistent monthly costs for budgeting, potential novated lease benefits for staff, and professional fleet management options including maintenance programs.

Should I lease or buy my business fleet?+

Leasing (operating lease) keeps vehicles off your balance sheet, includes maintenance, and simplifies turnover. Buying (chattel mortgage) builds equity and offers depreciation benefits. Many businesses use a mix based on vehicle type and usage patterns.

How often should I turn over fleet vehicles?+

Most businesses turn over fleet vehicles every 3-4 years or 60,000-80,000 km to optimise the balance between depreciation, maintenance costs, and resale value. Keeping vehicles too long increases maintenance costs, while turning over too quickly misses the lowest-cost ownership period.

Important Disclaimer & Assumptions

Assumptions: Fleet discounts are indicative and depend on fleet size, vehicle type, and the finance provider. Per-vehicle costs may vary. Fleet management and maintenance costs are not included.

General Disclaimer: This calculator is provided by Mortgage & Finance Advisory (Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.

Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.

We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.

© 2026 Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328