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Not-for-Profit, Disability and Aged Care Living Expenses

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Everyday expenses made more affordable

Want to enjoy tax savings on everyday living expenses such as mortgage, rent, bills or other everyday items? The great news is you can! You can salary packaging up to $15,900 every Fringe Benefits Tax (FBT) year (1 April - 31 March) for expenses like these.


What can you include?

The maximum you can salary package for living expenses each FBT year is $15,900 and you can include one or more of the following expense types.

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Regular expenses

You can salary package regular expenses such as mortgage, rent, or personal loan repayments.

For these expenses, all you need to do is send us your supporting documents once and we'll set up ongoing packaging - it's as easy as set and forget.

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Variable expenses

You can choose salary package variable expenses such as your everyday living expenses and credit card repayments by submitting regular claims with proof of payment for these expenses.

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Smartsalary Salary Packaging and Meal Entertainment card

If you want to keep your salary packaging flexible, the easiest way to do this is to choose a salary packaging card. It's a Mastercard™ loaded with your pre-tax dollars that you can use every time you make a purchase.1

Check your eligibility.

Your eligibility is dependent on your employer's salary packaging policy and your employment status. Use our salary packaging calculator to see which benefits you can package and how much you can save.




Calculate how much you could save.


Important information:
This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and, seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply.

1. The salary packaging benefits available to you are dependent on your employer's salary packaging policy.