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Everyday Living Expenses

Salary package your groceries, credit card repayments and more

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Salary package the things you pay for every day

Salary packaging your living expenses is the easiest way to save. As these are usually expenses you're already paying, then paying for them with your pre-tax salary could reduce the amount of income tax you pay.

Am I eligible?

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.

Salary package your everyday expenses 

There is an annual cap to the amount you can salary package each Fringe Benefits Tax (FBT) year (1 April to 31 March). This cap varies dependent on the industry you work in.

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    If you work for a public or private not-for-profit hospital, the annual salary packaging tax-free limit is $9,010.

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    Not-for-profit, Disability and Aged Care

    If you work for a charity or Public Benevolent Institution (PBI) you can salary package up to $15,900.

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    Rebatable employer

    If you work for a rebatable employer, you can salary package up to $15,900, and you will have to pay some FBT.

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Mortgage, rent and personal loan payments

You can salary package your mortgage, rent, or personal loan repayments up to the capped limits.

Send us your supporting documents, and we'll set up ongoing packaging for you. It's that easy!

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Smartsalary Salary Packaging card

Keep your salary packaging flexible with a Smartsalay Salary Packaging card. Providing instant access to your salary packaging funds, you’ll never be out of pocket, you just pay as you go. 


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Credit card repayments

You can choose to salary package your credit card repayments by submitting regular claims with proof of payment for these expenses. There is a cap to the expenses you can salary package. 

Use our salary packaging calculator to see which benefits are available to you.

Check your eligibility


Important: 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.