Buy Or Subscribe

Car Running Cost Calculator

Is car subscription cheaper than buying a car? 

Find out how much car subscription costs and understand the potential savings compared to buying and owning a car.


Costs of owning a car

With a HelloCars Subscription, you can drive for an affordable weekly fee, including registration, insurance, servicing, maintenance, roadside assistance, warranty and depreciation.

Unlike other car subscriptions services, there’s no long term commitment within our plans, so you can choose a vehicle that suits your lifestyle and budget or swap for another model at any time!

Considering the price of a new car, the loan you would need, and the interest rate you would be approved for, our online car subscription calculator will show you how much you could be saving when you subscribe to drive.


Before determining how much you’ll save with our car subscription services, we advise you to tell us how much you would likely spend on a new vehicle, what type of loan you’d need approval for and what interest rate you’d accept.

Once we have a comprehensive understanding of your finances, we will enter the figures into our car subscription calculator solution to estimate the cost of owning a car and how much you’ll save when choosing our services.

We will then provide you with a more comprehensive understanding of the costs and out-of-pocket expenses involved with car ownership and how that might compare to subscribing to a similar car still suits your budget, lifestyle and daily requirements. 

Ready to subscribe?


Is car subscription worth the money?

The average cost per month for a car subscription for a small sedan like a Holden Cruze is just $476 per month. In comparison, according to the most recent data from the RACQ, the equivalent cost of ownership for a similar car would be $632 per month - that's a saving of $156 per month!

With car subscription, you can drive for an affordable weekly fee that includes registration, insurance, servicing, maintenance, roadside assistance, warranty and depreciation.

When you choose to subscribe, you can take advantage of the latest safety and technology improvements without the huge costs of buying a new car. Plus, you can swap or trade in your vehicle at any time. 


What are the benefits of car subscription?

Own the drive, not the cost

These aren't your cookie-cutter rental cars. Choose any car you like and treat it like your own. You'll never pay for registration, insurance or maintenance again.

As flexible as your lifestyle

With minimum terms as short as 30 days, there's no long-term commitment. Need a bigger car? Swap or return your car as your needs change.

No unwelcome surprises

No need to worry about the nuts and bolts of car ownership again. You're covered by our bumper-to-bumper warranty for as long as you're subscribed.

One affordable weekly payment

The budget stress of traditional car ownership is over. Everything you need to get on the road is covered in one affordable weekly payment.


What is included with my Car Subscription?

Everything you need to get on the road with HelloCars Subscription is included in one affordable weekly payment. All you need to cover is fuel and tolls.

Car Subscription Service Sydney

Car Rego & Insurance

Avoid the budget stress of paying registration and car insurance each year - it's all covered in your weekly payment.

Servicing & Maintenance

Enjoy complimentary servicing and ongoing maintenance with your subscription at conveniently located providers.

Bumper-to-Bumper Warranty

Know you're covered if anything should go wrong with a vehicle warranty for the entire duration of your subscription.

Roadside Assistance

Help is never far away with roadside assistance cover included as standard with all HelloCars Subscription plans.

Have a question? We have answers.

If you have any questions regarding your figures from our car subscription calculator, get in touch with our Sydney-based customer service team.

What are the main differences between buying a car and subscribing?

HelloCars Subscription is the affordable alternative to car ownership that gives you the flexibility of car rental with the premium, fully-serviced experience of a car lease. Get exclusive access to any car you like to treat as your own for an affordable weekly payment.

All on-road costs such as registration, insurance, servicing and maintenance are paid for by HelloCars - all you have to cover is fuel and tolls. Unlike buying a car which locks you in for up to 5 years or more, with car subscription you can swap or even return your car as your lifestyle changes.

How much can I save on car subscription?

Depending on your lifestyle, car subscription presents several benefits over car ownership that could save you money. Here are some of the factors to consider when choosing whether to buy or subscribe:

  • Do you like to change your car frequently?

    If you are someone that enjoys the latest in car technology, safety and performance, then car subscription provides the opportunity to swap to a new car every few months at no cost.

  • Does your car spend more time in the driveway than it does on the road?

    If driving is perhaps not your primary form of transportation or you don't want to deal with the ongoing maintenance associated with full-time car ownership, then subscription is a good alternative to car ownership for when you need it.

  • Do you take overseas holidays each year?

    Even though your car may be parked at home while you're overseas on holidays, it's still costing you money in registration, insurance, repayments and even maintenance. Car subscription allows you to return your car when it's not needed, and subscribe again as your needs change.

  • Have you been caught out by unexpected car maintenance or repair costs before?

    Unexpected repairs can be a major disruption to your household budget, especially as you'll likely we without a car for some time as well. With car subscription, all ongoing maintenance and unexpected repairs are completely covered. If your car is no longer roadworthy, you'll even get a replacement.

  • Do you expect that your car will no longer suit your needs over the next 5 years?

    You should be able to change your car as often as your lifestyle. If you move closer to public transport, start a family or work from home - being able to swap or return your car is not only convenient but could also save you money.

  • Do the fluctuating costs of car ownership make it difficult for you to budget?

    With the rising cost of premiums, servicing, registration and more - incorporating your car into the household budget can be difficult. With car subscription, you only have one affordable weekly payment to consider.

What about the residual value of the car if I buy it?

While you may be able to recoup some of the expenses of car ownership when it comes time to sell your car, it's more than likely that the residual value of the vehicle will simply go towards the purchase of your next car - in which case you are never truly realising the asset value.

If you have a car loan, then paying interest on a depreciating asset is an even bigger hit to your budget.

How long can I keep the car?

You can keep the car for as long as you like! Minimum subscription terms start from just 30 days, the longer you choose to keep your car - the more affordable it becomes to subscribe. Before returning your car, 21 days written notice is required. If you choose to return your car before the minimum term, early termination fees will apply.

Am I eligible to subscribe?

Most customers are eligible to subscribe as long as you meet some basic eligibility criteria. HelloCars will perform an instant online assessment that includes a identity verification and a credit check to determine the required security deposit.

Is this rent-to-own?

No, there is no obligation to purchase the vehicle and your subscription payments do not accumulate toward the purchase price of the vehicle.

What is included in my car subscription plan?

All HelloCars Subscription plans include the cost of registration, insurance, servicing, maintenance and roadside assistance. You will need to cover any additional costs for fuel, tolls and kilometres traveled above the weekly limit of your plan.

How many kilometres are included?

Each plan includes its own weekly kilometre allowance. Any additional kilometre usage is charged weekly and unused kilometres do not roll over. Choose a plan that best suits your weekly driving requirements.

Can I add another driver to my plan?

Yes! As long as they meet the same eligibility criteria, you can add up to 5 additional nominated drivers to your subscription for $15 per week, per driver. Only nominated drivers are covered by your HelloCars Subscription insurance.

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Important information about this calculator

This calculator is not intended to be a financial tool. The output or result of this calculator is subject to assumptions which are subject to change. The output or result of this calculator does not represent either a quote or guarantee. You should consider if this product is right for you. For the purpose of this calculator, we consider the Weekly Subscription Cost to be $119 or 0.6% of the Total Purchase Price, whichever is greater. Purchase Costs include Stamp Duty calculated as 3% of the Purchase Price. Interest Fees include establishment and yearly account fees of $500. Residual Car Value represents the equity remaining in the vehicle once depreciation and outstanding loan amount are considered. Ownership Costs such as registration, CTP insurance, comprehensive insurance, roadside assistance and scheduled servicing are calculated using national yearly averages for capital cities based on the Transport Affordability Index provided by the Australian Automobile Association (AAA). Vehicle Usage is indicative of the flexibility of car subscription, fees may apply if you return your vehicle before the minimum required term. Some costs such as fuel and tolls are not considered as these remain unchanged for both ownership or subscription.

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