Salary Packaging Calculator

Employer Type

NSW Health - NSW Health Employees

Healthcare - Public and private not-for-profit healthcare, ambulance services

Public Benevolent Institutions - Community health care, charitable organisations

Rebatable Employers - Private schools, industry bodies, community organisations

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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Do you have a Study and Training Support Loan?

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).


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Would you like to add a Novated Lease?

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Type

Price

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

Annual Travel

Value: {{model.carAnnualTravel}}km

Term

Value: {{model.carTerm}} years

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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.

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

We have adjusted the benefit amount.

Summary

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Without Salary Packaging
{{formatNumber(result.packagedAnnual.netToHome, "$0,0.00")}}
With Salary Packaging

With SalaryPackagingPLUS you can save

{{formatNumber(result.totalSaving, "$0,0.00")}}

With SalaryPackagingPLUS you can save

{{formatNumber(result.netBenefitAnnual, "$0,0.00")}}

Pay off your Study and Training Support Loan even faster by

{{formatNumber(result.hecsDiff, "$0,0.00")}}

For a total benefit of

{{formatNumber(result.totalSaving, "$0,0.00")}}

Comparison

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")}}
Fortnightly 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")}}

The calculator provided is to illustrate the potential savings through salary packaging, it is generic in nature and does not constitute financial advice. SalaryPackagingPLUS recommends that you should speak to your financial advisor or accountant before entering into any salary packaging arrangements.

  1. The savings illustrated are your net savings after taking into consideration an indicative administration fee. The actual administration fee can vary based on your employer policy and the benefits you package. Please consult our team for more information on fees applicable to you.
  2. Income tax, Medicare Levy, HECS repayments, savings as well as the amount available to package are based on 2018/19 financial year and FBT rates.
  3. The packaging amount for living expenses of $9,010 assumes that you are packaging GST exclusive items only (such as mortgage, rent, credit card repayments or using a living expenses card). If you package GST inclusive items, the amount available will be reduced.
  4. Due to your personal circumstances you may not be eligible to package all items offered in the calculator. Please contact SalaryPackagingPLUS or refer to your employer’s policy for more information.
  5. The calculations provided does not consider your personal circumstances and any other income of tax deductions that may be applicable to you.
  6. All reasonable care has been taken in the provision of the calculations, however we are unable to guarantee the accuracy for every scenario.
  7. SalaryPackagingPLUS recommends you obtain independent financial advice prior to entering into any salary packaging arrangements.

If you have a HECS/HELP fee debt or any other means-based payments your adjusted taxable income will be increased. In this scenario your savings will be partially spent on increased HECS/HELP repayments with the remainder being a net increase in your disposable income.

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With SalaryPackagingPLUS you can save

{{formatNumber(result.totalSaving, "$0,0.00")}}

With SalaryPackagingPLUS you can save

{{formatNumber(result.totalSaving - result.hecsDiff, "$0,0.00")}}

Pay off your Study and Training Support Loan even faster by

{{formatNumber(result.hecsDiff, "$0,0.00")}}

For a total benefit of

{{formatNumber(result.totalSaving, "$0,0.00")}}

Disclaimer: Please note the above calculation is to be used as an illustration of the potential savings that is based on the information you have provided. For a complete analysis of the savings available through Salary Packaging please use the 'Enquire now' function and one of our Consultants will contact you directly. Importantly the information provided and subsequent calculations above are to be used as a guide and aide in determining the potential savings for someone who may choose to use Salary Packaging. It is not to be used as a substitute for external independent financial and taxation advice. SalaryPackagingPLUS Pty Ltd does not guarantee the accuracy of these calculations above. Tax rates and tax laws may also change in the future, which will affect the accuracy and validity of the information and calculations. SalaryPackagingPLUS will accept no responsibility for financial decisions based on the use of this information and calculations.