u/Minimum_Link3513

For anyone looking at an EV novated lease, I wrote up the announced 1 April 2027 FBT changes here:

https://ccschecker.com.au/guides/ev-novated-lease-fbt-changes-2027-ccs-help-mls

The changes are:

• EVs $75k or less: full FBT discount expected to continue
• EVs over $75k but below the LCT threshold: only a 25% discount on payable FBT
• existing leases: expected to be unaffected

So for higher-priced EVs, 75% of normal payable FBT may remain.

The bit I think families need to watch is that an EV lease can reduce taxable income but still create a reportable fringe benefits amount. That RFBA can affect:

• Child Care Subsidy
• HELP repayments
• Medicare Levy Surcharge
• adjusted taxable income

I also made a calculator for that family income-test side:

https://ccschecker.com.au/ev/calculator

For the lease-cost side, Novated Lease Guide is still the best independent tool I know:

https://novatedlease.guide

Credit to u/changyang1230 for that work.

Hi all, I’ve built a free Australian calculator for hospital staff and doctors who want to understand how salary packaging may affect Child Care Subsidy and other subsidies.

It estimates the impact on:

• adjusted taxable income
• CCS rate and out-of-pocket childcare costs
• income tax
• HELP repayments
• Medicare Levy Surcharge risk

Salary packaging can improve take-home pay, but the reportable fringe benefits amount can also affect income-tested payments like CCS. This calculator is designed to show that trade-off more clearly.