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What is salary packaging?

Salary packaging (also known as salary sacrifice) is an Australian Taxation Office (ATO) approved benefit that allows you to pay for certain items with your pre-tax salary.

That means you could pay less tax, and keep more of your income when you salary package.

Women smiling and paying using her card

Why choose salary packaging?

Salary packaging is a key employee benefit to help you reduce the amount of income tax you pay, meaning you have more money to spend. Your employer determines the range of expenses that can be included in your salary packaging program but these are usually everyday items that you're already paying for.

Use the salary packaging calculator to find out exactly how much you could save.

Why Smartsalary?
We make it easy

We’re here to help you every step of the way – from benefit selection, to salary packaging account setup and maintenance.

You can count on us

We help over 180,000 employees from more than 400 organisations across Australia enjoy more of their salary.

Additional rewards

Enjoy more savings - eGift card program, exclusive Harvey Norman discounts and our Financial Wellness program.

Want to know more about salary packaging?

Saving money with salary packaging

Salary packaging could lower your taxable income and increase your take-home pay, giving you more money in your pocket to spend on the things you want.

How much could you save by salary packaging?

Salary packaging is a great way of restructuring your salary by using pre-tax income to buy a range of everyday items. It is an ATO-approved way to save on tax, lowering your taxable income and increasing your take-home pay.

There are lots of great benefits that the ATO allows most employees to salary package. The type of industry that you work in, and your employer, determine which benefits are available to you. Use our salary packaging calculator to find the benefits your employer offers and how much you could save.

How much does it cost to salary package with Smartsalary?

At Smartsalary, we help over 180,000 employees across Australia with salary packaging, making us one of Australia’s leading salary packaging providers. The salary packaging fees vary depending on your employer and the benefits you choose to package. Either you or your employer may be responsible for paying these fees.

How to get started

The easiest way to get started is to use our salary packaging calculator to explore the benefits available to you. You can make an appointment with our Employee Guidance Team or apply online.


See the benefits your employer offers and how much you could save.

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Bringing salary packaging to your employees

Setting up a salary packaging program with us is simple. We work in close consultation with you and your team to ensure a seamless salary packing experience with minimal impact on your day to day operations.

Discover salary packaging for your business.