Back to FAQ Salary Packaging

Health

Let’s say you’re a health worker with a HECS-HELP debt earning $60,000. By packaging your full living expenses benefit of $9,010, as well as Meal Entertainment benefit of $2,650, you could be almost $3,541 better off each year!*

While your HECS-HELP repayments increase as they are calculated on this adjusted income, you could still increase your disposable income each year through reduced tax.

Charity

Let's say you work for a not-for-profit organisation earning $60,000. By packaging your full living expenses benefit of $15,900, as well as Meal Entertainment benefit of $2,650, you could be almost $4,278 better off each year!^{^}

While your HECS-HELP repayments increase as they are calculated on this adjusted income, you could still increase your disposable income each year through reduced tax.

^Health

^{*Salary Packaging: The estimated potential tax benefit is based on the assumption that the disposable income is calculated for an eligible employee with an annual salary of $60,000, salary packaging up to the $9,010 per annum limit and claiming $2,650 in venue hire and meal and entertainment expenses. PAYG tax rates effective 1 July 2026 have been used. HELP repayments are based on the 2026–2027 HELP repayment thresholds and rates. An average salary packaging administration fee has been used. The actual administration fee that applies to you may vary depending on your employer. The estimated annual benefit is based on the assumption that an employee does not have any accumulated Financial Supplement debt. Your disposable income will vary based on your income and personal circumstances. Compulsory HELP repayments commence once your adjusted taxable income reaches $69,528.}

^Charity

^{^Salary Packaging: The estimated potential tax benefit is based on the assumption that the disposable income is based on an eligible employee with an annual salary of $60,000 salary packaging to a $15,900 per annum limit and claiming $2,650 in venue hire and meal and entertainment expenses. PAYG tax effective 1 July 2026 have been used. HELP repayments are based on 2026-2027 HELP repayment thresholds and rates. An average salary packaging administration fee has been used. The actual administration fee that applies to you may vary depending on your employer. Estimated annual benefit based on the assumption that an employee does not have any accumulated Financial Supplement debt. Your disposable income will vary based on your income and personal circumstances. Compulsory HELP repayments commence once your adjusted taxable income reaches $69,528}