Karmo, in partnership with Smart Group, is redefining how Australians get behind the wheel with Novated Subscription; a first-of-its-kind product that blends the tax efficiency of novated leasing with the flexibility and convenience of car subscription.
The benefits
A win for employers
Boost your employee benefits at zero cost and minimal admin
Tax savings with real flexibility
Get the tax perks of novated leasing without long-term lock-ins.
Trusted Smart Group expertise
Backed by one of Australia’s leading salary packaging providers for a smooth, compliant setup.
One simple, all-inclusive payment
Car, insurance, rego, servicing; all wrapped into one predictable pre-tax payment.
Swap or upgrade anytime
Change cars as life changes, with no ownership headaches
Fast, hassle-free driving
Minimal paperwork, quick approvals and premium cars ready to go.
Our Novated Subscription cars
*Weekly price is based on the following assumptions:(1) salary: $120,000 gross p.a., (2) your employer’s admin fee is $240 p.a., (3) GST credits will be applied, (4) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs, (5) luxury charge is applicable to your employer.
Toyota BZ4X
Estimated cost: $199.00/week
estimated tax savings: $93.65
Toyota RAV4
Estimated cost: $265.00/week
estimated tax savings: $41.49
Isuzu D-Max
Estimated cost: $340.00/week
estimated tax savings: $50.07
GWM Haval Jolion
Estimated cost: $227.79/week
estimated tax savings: $58.13
Toyota Corolla Cross
Estimated cost: $260.70/week
estimated tax savings: $52.86
Mazda CX-5
Estimated cost: $226.01/week
estimated tax savings: $44.24
Tesla Model Y
Estimated cost: $249.79/week
estimated tax savings: $117.55
Tesla Model 3
Estimated cost: $225.07/week
estimated tax savings: $105.91
Toyota Landcruiser...
Estimated cost: $444.13/week
estimated tax savings: $70.20
Mercedes-Benz G...
Estimated cost: $379.05/week
estimated tax savings: $72.24
Mercedes-Benz G...
Estimated cost: $399.29/week
estimated tax savings: $79.74
Jaecoo J7
Estimated cost: $240.92/week
estimated tax savings: $46.84
Mazda CX-3
Estimated cost: $206.43/week
estimated tax savings: $46.37
Toyota Yaris Cross
Estimated cost: $246.14/week
estimated tax savings: $53.56
Our Novated Subscription cars
Toyota BZ4X
Estimated cost: $199.00/week*
estimated tax savings: $93.65
Toyota RAV4
Estimated cost: $265.00/week*
estimated tax savings: $41.49
Isuzu D-Max
Estimated cost: $340.00/week*
estimated tax savings: $50.07
GWM Haval Jolion
Estimated cost: $227.79/week*
estimated tax savings: $58.13
Toyota Corolla Cro...
Estimated cost: $260.70/week*
estimated tax savings: $52.86
Mazda CX-5
Estimated cost: $226.01/week*
estimated tax savings: $44.24
Tesla Model Y
Estimated cost: $249.79/week*
estimated tax savings: $117.55
Tesla Model 3
Estimated cost: $225.07/week*
estimated tax savings: $105.91
Toyota Landcruiser...
Estimated cost: $444.13/week*
estimated tax savings: $70.20
Mercedes-Benz G...
Estimated cost: $379.05/week*
estimated tax savings: $72.24
Mercedes-Benz G...
Estimated cost: $399.29/week*
estimated tax savings: $79.74
Jaecoo J7
Estimated cost: $240.92/week*
estimated tax savings: $46.84
Mazda CX-3
Estimated cost: $206.43/week*
estimated tax savings: $46.37
Toyota Yaris Cross
Estimated cost: $246.14/week*
estimated tax savings: $53.56
*Weekly price is based on the following assumptions:(1) salary: $120,000 gross p.a., (2) your employer’s admin fee is $240 p.a., (3) GST credits will be applied, (4) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs, (5) luxury charge is applicable to your employer.
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