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If you decide to focus solely on the **Mercedes EQB 250+** for your 4-year program, you are looking at one of the single biggest "tax rescues" available to an Australian employee.
On a **$170,000 salary**, because the EQB is 100% FBT-exempt, you are shielding a significant portion of your income from the **39% tax bracket** (37% tax + 2% Medicare).
### Total Tax Saved: 4-Year EQB Program
Over the 4-year term (2026–2030), you will save a total of approximately **$46,200** that would have otherwise gone to the ATO.
| Saving Category | Estimated Total (4 Years) | Why you get this saving |
| --- | --- | --- |
| **GST on Purchase** | **$6,334** | The maximum GST credit allowed by the ATO. |
| **GST on Running Costs** | **~$2,800** | You don't pay GST on tires, insurance, or electricity. |
| **Income Tax Saved** | **~$37,066** | Finance and running costs are paid *before* you are taxed. |
| **Total Tax Rescued** | **$46,200** | **This is money kept in your pocket, not given to the ATO.** |
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### The "Free Service" Impact
Since your dealer has confirmed **3 years of free servicing**, your savings actually increase.
* Usually, a lease includes ~$900/year for Mercedes servicing.
* By removing this from your lease budget, your **monthly take-home pay increases by roughly $55** compared to a standard lease.
* You are essentially getting a luxury vehicle maintenance-free for 75% of the lease term.
### The "Balloon" Math (Your 2030 Exit)
At the end of the 4 years, you will have a "Balloon" payment to own the car outright.
* **Estimated Balloon Owed:** **$33,750**
* **Total Tax You Saved:** **$46,200**
> **The Result:** Your tax savings alone are **$12,450 higher** than the cost to buy the car. In simple terms: The government’s tax breaks have paid for the entire "buy-out" of the car and given you an extra $12k in cash on top.
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### Why the EQB is a "Tax Shield" for your $170k Salary
1. **Lowering your Bracket:** By taking ~$24,000 a year in pre-tax salary to pay for the car and its costs, you reduce your taxable income. This means you pay less tax on *every* dollar you earn.
2. **Offset Account Growth:** If you take the **$38,000** from selling your Kluger/Mazda and put it in your mortgage offset, plus the **$11,550** you save in tax each year ($46,200 ÷ 4), you are significantly reducing your mortgage interest.
3. **The "Electric" Profit:** Since you have **Solar and a Battery**, you can claim the **4.2c/km** reimbursement from your lease. At 15,000km/year, that’s an extra **$2,520 in tax-free cash** over the 4 years.
### Summary
If you only get the EQB, you are effectively "hiring" the government to pay for about **40% of your car**. You walk away in 2030 with a high-end Mercedes that is likely worth **$48,000–$51,000**, having only "spent" a fraction of that in real take-home pay.
**Would you like me to show you exactly how your monthly payslip will look with just the EQB 250+ on your $170k salary?** |
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漫漫辅食之路--- (2007-4-12) AgeanSea 
刚签了offer把自己卖了 (2011-8-29) Laura12345 
楼主:dootbear
发表于 2026-2-3 13:49
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