Compare your novated lease quote — is it actually a good deal?

How it works

Upload a novated lease quote you've already received and we'll line the contracted figures up against an indicative millarX lease for the same car, term and kilometres — usually in under 15 seconds.

1. 1
   Drop your novated lease quote

   PDF, image, or screenshot — whatever you have. Our investigator reads it in 10-15 seconds and pulls out every contracted figure.

2. 2
   See the numbers in plain English

   A single sentence summarising how the contracted figures from your uploaded quote line up against an indicative millarX lease for the same car, term and kilometres.

3. 3
   Edit anything we missed

   If a figure looks off, click and correct it. The comparison recomputes instantly. No re-uploading, no waiting.

4. 4
   When you're ready

   Drop your name, email and (optionally) phone number. Someone from our team reviews and comes back with a real quote — usually within 1 business day. No pressure if you're not ready.

Comparing novated lease quotes — common questions

The short answers. For a full walk-through of what the comparison checks, read how a novated lease quote comparison works.

How do I compare my novated lease quote?

Upload the quote — a PDF, photo or screenshot from any Australian provider. Our investigator reads the contracted figures (vehicle, term, kilometres, finance payment, residual, fees and running-cost budgets), rebuilds the same lease at millarX pricing, and shows you the difference per pay. It usually takes about 15 seconds and you can correct any figure it misread.

What should I look at when comparing novated lease quotes?

Four things: the effective finance rate (not the headline base rate — fees and brokerage can push the real rate two to four percentage points higher), the residual value at the end of the lease, the running-cost budgets for fuel, insurance, servicing and tyres, and the total amount that leaves your pay across the whole term. A bigger advertised tax saving can hide a more expensive lease.

Is the comparison free, and do I need to give my details?

Yes, it is free, and no. You see the result without entering an email address. Leave your details only if you would like a real millarX quote or want the comparison emailed to you.

What if my current quote is already cheaper than millarX?

We tell you so. If your quote genuinely beats ours, that is a great rate and, if it holds through to contract, you should take it. If you would like us to try to beat it anyway, you can challenge us from the results screen and a person will look at it.

Which providers can I compare?

Any Australian salary packaging or novated lease provider, including the ones most employers offer through their payroll. The comparison uses the figures on your quote — car, term, kilometres, salary and state — so the result is like for like.

What happens to my uploaded quote?

The file is deleted once the comparison has run. We keep only de-identified figures — the provider, the rate and the pricing — to keep the comparison honest and to publish the win-rate you see on this page. Your name, employer and contact details are never retained from the upload.