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Salary Packaging Calculator
Calculate your take-home pay savings
Fill in the Salary Packaging calculator to find out how much you can save!
Select your employer type
Hospital network
NSW Health
PBI & charities
Corporate &
government
Private education
& Rebatable
Select your employer type to calculate your take-home pay savings
Public Hospitals and ambulance services with $17,000 cap
NSW Health with $17,000 cap
Public benevolent institutions and charities with $30,000 cap
Corporate, government and ‘for profit’ organisations
Religious, scientific or public educations schools, trade unions and associations with a $30,000 cap (+FBT)
Hospital network
NSW Health
PBI & charities
Corporate & government
Private education & rebatable
Hospital network
Public Hospitals and ambulance services with $17,000 cap
NSW Health
NSW Health employers with $17,000 cap
PBI & charities
Public benevolent institutions and charities with $30,000 cap
Corporate & government
Corporate, government and ‘for profit’ organisations
Private education & Rebatable
Religious, scientific or public educations schools, trade unions and associations with a $30,000 cap (+FBT)
1
Packaging
information
2
Add a car
3
Summary
Packaging information

Your Pay Cycle

What is your annual gross salary?

Value:

Living Expenses

Value: {{formatNumber(model.livingExpenses, "$0,0")}}

Meal Entertainment

Value: {{formatNumber(model.mealEntertainmentValue, "$0,0")}}

Additional Benefits

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From the 1st of July 2019 all government study and training loans are covered by one set of thresholds and rates. This includes Higher Education Loan Program (HELP), Vet Student Loan (VSL), Student Financial Supplement Scheme (SFSS), Student Start-up Loan (SSL), ABSTUDY Student Start-up Loan (ABSTUDY SSL) and Trade Support Loans (TSL).


Yes No
Add a car
Would you like to add a Novated Lease?
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Type

  • Small Car Small Car
    Small
  • Medium Car Medium Car
    Medium
  • Family Car Family Car
    Family
  • SUV Car SUV Car
    SUV
Select car size:
Your budget
Your lease term
Your kilometres

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Based on your input we are unable to provide an online calculation, please contact one of our salary packaging consultants for more information on 1300 40 80 46.

Please select at least 1 package item.

Please adjust and try again.

Alternatively, you could call us on 1300 40 80 46 for more information.

We have adjusted the benefit amount.

Summary
Based on the information supplied so far, we estimate:
{{model.payCycle}} increase to your take-home pay
{{formatNumber(result.netBenefitPerCycle, "$0,0.00")}}
Annual increase to your take-home pay
{{formatNumber(result.totalSaving, "$0,0.00")}}

The increase to take-home pay is based on comparison between your take-home pay without salary packaging and take-home pay with salary packaging. View the comparison below for more information.

Your package includes
  • Living
    Expenses
  • Meal
    Entertainment
  • Additional
    benefits
  • Novated
    lease
Enquire Now
Comparison
{{result.payCycle}} Annual
Annual Summary Without Salary Packaging With Salary Packaging
Pre-Tax Deductions
Living Expenses {{formatNumber(result.unPackagedAnnual.livingExpense, "$0,0.00")}} {{formatNumber(result.packagedAnnual.livingExpense, "$0,0.00")}}
Meal Entertainment {{formatNumber(result.unPackagedAnnual.mealEntertainment, "$0,0.00")}} {{formatNumber(result.packagedAnnual.mealEntertainment, "$0,0.00")}}
Airport Lounge Membership {{formatNumber(result.unPackagedAnnual.airportLoungeMembership, "$0,0.00")}} {{formatNumber(result.packagedAnnual.airportLoungeMembership, "$0,0.00")}}
Disability / Income Protection Insurance {{formatNumber(result.unPackagedAnnual.disabilityProtectionInsurance, "$0,0.00")}} {{formatNumber(result.packagedAnnual.disabilityProtectionInsurance, "$0,0.00")}}
Portable Electronic Devices {{formatNumber(result.unPackagedAnnual.portableElectronicDevice, "$0,0.00")}} {{formatNumber(result.packagedAnnual.portableElectronicDevice, "$0,0.00")}}
Professional Memberships and Subscriptions {{formatNumber(result.unPackagedAnnual.professionalSubscription, "$0,0.00")}} {{formatNumber(result.packagedAnnual.professionalSubscription, "$0,0.00")}}
Relocation Expenses {{formatNumber(result.unPackagedAnnual.relocationExpense, "$0,0.00")}} {{formatNumber(result.packagedAnnual.relocationExpense, "$0,0.00")}}
Superannuation $0.00 {{formatNumber(result.packagedAnnual.super, "$0,0.00")}}
Remote Area Housing {{formatNumber(result.unPackagedAnnual.raHousing, "$0,0.00")}} {{formatNumber(result.packagedAnnual.raHousing, "$0,0.00")}}
Remote Area Fuel $0.00 {{formatNumber(result.packagedAnnual.raFuel, "$0,0.00")}}
Self Education Expenses (Work Related) {{formatNumber(result.unPackagedAnnual.selfEducation, "$0,0.00")}} {{formatNumber(result.packagedAnnual.selfEducation, "$0,0.00")}}
Other FBT Exempt Benefit $0.00 {{formatNumber(result.packagedAnnual.otherExempts, "$0,0.00")}}
Novated Lease Pre-Tax {{formatNumber(result.unPackagedAnnual.nlPreTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.nlPreTax, "$0,0.00")}}
Administration Fees and FBT
FBT {{formatNumber(result.unPackagedAnnual.fbt, "$0,0.00")}} {{formatNumber(result.packagedAnnual.fbt, "$0,0.00")}}
Admin Fee {{formatNumber(result.unPackagedAnnual.adminfee, "$0,0.00")}} {{formatNumber(result.packagedAnnual.adminfee, "$0,0.00")}}
Share Saving {{formatNumber(result.unPackagedAnnual.shareSaving, "$0,0.00")}} {{formatNumber(result.packagedAnnual.shareSaving, "$0,0.00")}}
Total Pre-Tax Deduction {{formatNumber(result.unPackagedAnnual.preTaxDeduction, "$0,0.00")}} {{formatNumber(result.packagedAnnual.preTaxDeduction, "$0,0.00")}}
Tax Calculations
Gross Salary {{formatNumber(result.unPackagedAnnual.grossSalary, "$0,0.00")}} {{formatNumber(result.packagedAnnual.grossSalary, "$0,0.00")}}
Pre Tax Deductions {{formatNumber(result.unPackagedAnnual.preTaxDeduction, "$0,0.00")}} {{formatNumber(result.packagedAnnual.preTaxDeduction, "$0,0.00")}}
Taxable Income {{formatNumber(result.unPackagedAnnual.taxableIncome, "$0,0.00")}} {{formatNumber(result.packagedAnnual.taxableIncome, "$0,0.00")}}
PAYG Tax and Medicare Levy {{formatNumber(result.unPackagedAnnual.taxandMCLevy, "$0,0.00")}} {{formatNumber(result.packagedAnnual.taxandMCLevy, "$0,0.00")}}
Net Pay After Tax {{formatNumber(result.unPackagedAnnual.netPayPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.netPayPostTax, "$0,0.00")}}
Post-Tax Deductions
Living Expenses {{formatNumber(result.unPackagedAnnual.liveingExpensePostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.liveingExpensePostTax, "$0,0.00")}}
Meal Entertainment {{formatNumber(result.unPackagedAnnual.mealPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.mealPostTax, "$0,0.00")}}
Airport Lounge Membership {{formatNumber(result.unPackagedAnnual.airportLoungeMembershipPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.airportLoungeMembershipPostTax, "$0,0.00")}}
Disability / Income Protection Insurance {{formatNumber(result.unPackagedAnnual.disabilityProtectionInsurancePostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.disabilityProtectionInsurancePostTax, "$0,0.00")}}
Portable Electronic Devices {{formatNumber(result.unPackagedAnnual.portableElectronicDevicePostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.portableElectronicDevicePostTax, "$0,0.00")}}
Professional Memberships and Subscriptions {{formatNumber(result.unPackagedAnnual.professionalSubscriptionPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.professionalSubscriptionPostTax, "$0,0.00")}}
Relocation Expenses {{formatNumber(result.unPackagedAnnual.relocationExpensePostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.relocationExpensePostTax, "$0,0.00")}}
Superannuation {{formatNumber(result.unPackagedAnnual.super, "$0,0.00")}} $0.00
Remote Area Housing {{formatNumber(result.unPackagedAnnual.raHousingPost, "$0,0.00")}} $0.00
Remote Area Fuel {{formatNumber(result.unPackagedAnnual.raFuel, "$0,0.00")}} $0.00
Self Education Expenses (Work Related) {{formatNumber(result.unPackagedAnnual.selfEducationPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.selfEducationPostTax, "$0,0.00")}}
Other FBT Exempt Benefits {{formatNumber(result.unPackagedAnnual.otherExemptsPostTax, "$0,0.00")}} $0.00
Novated Lease Post-Tax {{formatNumber(result.unPackagedAnnual.nlPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.nlPostTax, "$0,0.00")}}
Study and Training Support Loan {{formatNumber(result.unPackagedAnnual.hecs, "$0,0.00")}} {{formatNumber(result.packagedAnnual.hecs, "$0,0.00")}}
Total Post Tax Deductions {{formatNumber(result.unPackagedAnnual.totalDeductionPostTax, "$0,0.00")}} {{formatNumber(result.packagedAnnual.totalDeductionPostTax, "$0,0.00")}}
Net Take Home Pay {{formatNumber(result.unPackagedAnnual.netToHome, "$0,0.00")}} {{formatNumber(result.packagedAnnual.netToHome, "$0,0.00")}}
Net Benefit {{formatNumber(result.netBenefitAnnual, "$0,0.00")}}
{{result.payCycle}} Summary Without Salary Packaging With Salary Packaging
Pre-Tax Deductions
Living Expenses {{formatNumber(result.unPackagedPerCycle.livingExpense, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.livingExpense, "$0,0.00")}}
Meal Entertainment {{formatNumber(result.unPackagedPerCycle.mealEntertainment, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.mealEntertainment, "$0,0.00")}}
Airport Lounge Membership {{formatNumber(result.unPackagedPerCycle.airportLoungeMembership, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.airportLoungeMembership, "$0,0.00")}}
Disability / Income Protection Insurance {{formatNumber(result.unPackagedPerCycle.disabilityProtectionInsurance, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.disabilityProtectionInsurance, "$0,0.00")}}
Portable Electronic Devices {{formatNumber(result.unPackagedPerCycle.portableElectronicDevice, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.portableElectronicDevice, "$0,0.00")}}
Professional Memberships and Subscriptions {{formatNumber(result.unPackagedPerCycle.professionalSubscription, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.professionalSubscription, "$0,0.00")}}
Relocation Expenses {{formatNumber(result.unPackagedPerCycle.relocationExpense, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.relocationExpense, "$0,0.00")}}
Superannuation $0.00 {{formatNumber(result.packagedPerCycle.super, "$0,0.00")}}
Remote Area Housing $0.00 {{formatNumber(result.packagedPerCycle.raHousing, "$0,0.00")}}
Remote Area Fuel $0.00 {{formatNumber(result.packagedPerCycle.raFuel, "$0,0.00")}}
Self Education Expenses (Work Related) {{formatNumber(result.unPackagedPerCycle.selfEducation, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.selfEducation, "$0,0.00")}}
Other FBT Exempt Benefit {{formatNumber(result.unPackagedPerCycle.otherExempts, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.otherExempts, "$0,0.00")}}
Novated Lease Pre-Tax {{formatNumber(result.unPackagedPerCycle.nlPreTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.nlPreTax, "$0,0.00")}}
Administration Fees and FBT
FBT {{formatNumber(result.unPackagedPerCycle.fbt, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.fbt, "$0,0.00")}}
Admin Fee {{formatNumber(result.unPackagedPerCycle.adminfee, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.adminfee, "$0,0.00")}}
Share Saving {{formatNumber(result.unPackagedPerCycle.shareSaving, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.shareSaving, "$0,0.00")}}
Total Pre-Tax Deduction {{formatNumber(result.unPackagedPerCycle.preTaxDeduction, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.preTaxDeduction, "$0,0.00")}}
Tax Calculations
Gross Salary {{formatNumber(result.unPackagedPerCycle.grossSalary, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.grossSalary, "$0,0.00")}}
Pre Tax Deductions {{formatNumber(result.unPackagedPerCycle.preTaxDeduction, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.preTaxDeduction, "$0,0.00")}}
Taxable Income {{formatNumber(result.unPackagedPerCycle.taxableIncome, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.taxableIncome, "$0,0.00")}}
PAYG Tax and Medicare Levy {{formatNumber(result.unPackagedPerCycle.taxandMCLevy, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.taxandMCLevy, "$0,0.00")}}
Net Pay After Tax {{formatNumber(result.unPackagedPerCycle.netPayPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.netPayPostTax, "$0,0.00")}}
Post-Tax Deductions
Living Expenses {{formatNumber(result.unPackagedPerCycle.liveingExpensePostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.liveingExpensePostTax, "$0,0.00")}}
Meal Entertainment {{formatNumber(result.unPackagedPerCycle.mealPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.mealPostTax, "$0,0.00")}}
Airport Lounge Membership {{formatNumber(result.unPackagedPerCycle.airportLoungeMembershipPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.airportLoungeMembershipPostTax, "$0,0.00")}}
Disability / Income Protection Insurance {{formatNumber(result.unPackagedPerCycle.disabilityProtectionInsurancePostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.disabilityProtectionInsurancePostTax, "$0,0.00")}}
Portable Electronic Devices {{formatNumber(result.unPackagedPerCycle.portableElectronicDevicePostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.portableElectronicDevicePostTax, "$0,0.00")}}
Professional Memberships and Subscriptions {{formatNumber(result.unPackagedPerCycle.professionalSubscriptionPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.professionalSubscriptionPostTax, "$0,0.00")}}
Relocation Expenses {{formatNumber(result.unPackagedPerCycle.relocationExpensePostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.relocationExpensePostTax, "$0,0.00")}}
Superannuation {{formatNumber(result.unPackagedPerCycle.super, "$0,0.00")}} $0.00
Remote Area Housing {{formatNumber(result.unPackagedPerCycle.raHousingPost, "$0,0.00")}} $0.00
Remote Area Fuel {{formatNumber(result.unPackagedPerCycle.raFuel, "$0,0.00")}} $0.00
Self Education Expenses (Work Related) {{formatNumber(result.unPackagedPerCycle.selfEducationPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.selfEducationPostTax, "$0,0.00")}}
Other FBT Exempt Benefits {{formatNumber(result.unPackagedPerCycle.otherExemptsPostTax, "$0,0.00")}} $0.00
Novated Lease Post-Tax {{formatNumber(result.unPackagedPerCycle.nlPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.nlPostTax, "$0,0.00")}}
HECS / FEE Help {{formatNumber(result.unPackagedPerCycle.hecs, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.hecs, "$0,0.00")}}
Total Post Tax Deductions {{formatNumber(result.unPackagedPerCycle.totalDeductionPostTax, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.totalDeductionPostTax, "$0,0.00")}}
Net Take Home Pay {{formatNumber(result.unPackagedPerCycle.netToHome, "$0,0.00")}} {{formatNumber(result.packagedPerCycle.netToHome, "$0,0.00")}}
Net Benefit {{formatNumber(result.netBenefitPerCycle, "$0,0.00")}}

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Disclaimer: Please note the SalaryPackagingPLUS calculator is designed to give you an estimate on the potential increase to take-home pay when salary packaging and is not to be used as a substitute for external independent financial and/or taxation advice.

The calculations are based on personal income tax rates and thresholds for the 2019/2020 financial year and assumed salary packaging administration fees. The actual salary packaging administration fee can vary based on your employer policy and the benefits available.

SalaryPackagingPLUS recommends that you seek independent financial and/or taxation advice before entering into any salary packaging arrangements.