Maximise Your Take-Home Pay with Salary Packaging

At Remunerator, we offer salary packaging solutions that allow you to pay for personal expenses from your pre-tax income, effectively reducing your taxable income and increasing your take-home pay. This ATO-approved program enables you to package a range of benefits, including vehicles, electronics, and more, depending on your employer's policy.

Get started with our salary packaging calculator today!

How Salary Packaging Works

Salary packaging involves arranging for certain expenses to be paid from your pre-tax income.

This reduces your taxable income, leading to potential tax savings. The specific benefits available to you depend on your employer's policy and the industry sector you work in.

Common items that can be packaged include:

General expenses
Entertainment
Working from home expenses
Personal devices (mobile phone, laptop, tablet)
Professional development
and more!

Apply Online

Why Should I Salary Package?

The aim of salary packaging is to legitimately pay less tax and take home more pay!

Salary packaging allows you to pay for items that you have to pay for anyway, but in pre-tax salary. Depending on what you are salary packaging, fringe benefits tax (FBT), may not apply. The option of having a small fringe benefit provided instead of the equivalent amount of cash salary is an attractive proposition.

There are many potential benefits to both employers and employees that are gained by salary packaging including:

Employees may reduce their taxable income as salary packaging and novated leasing is paid for out of an employees gross salary, their taxable income is reduced.
Employers may save on payroll tax, as employees taxable income may be reduced, so too is the employers payroll tax amount. The more employees who salary package, the greater the savings for the employer!

Learn More

Getting Started with Salary Packaging

To begin salary packaging with Remunerator:

Check Employer Eligibility: Ensure your employer offers salary packaging benefits.
Use the Salary Packaging Calculator: Estimate potential savings using Remunerator's online calculator.
Apply Online: Submit your application online with Remunerator.
Consult with a Financial Advisor: Seek independent financial advice to understand how salary packaging fits into your financial situation.

Get Started

Salary Packaging FAQs

Here are some helpful answers to our most frequently asked questions.

How do I get the most out of my salary package?

There are many items that the ATO allows to be paid as a fringe benefit from pre-tax income. The specific benefits available for you depend on which industry sector you work in and the program that your employer has selected.

How will salary packaging affect my pay?

Your payroll will deduct the nominated portion of your salary before tax is applied. The funds will be transferred to us to make payments to the benefits you have been chosen.

This effectively reduces your taxable income with only the remaining portion of your salary subject to PAYG tax and will be reported on your payment summary for individual tax returns accordingly.

Please note: if you work for a health or charitable organisation that is eligible for a threshold, your payment will report the gross up value.

What will happen to my salary package if I have a pay increase or decrease?

Generally there is no effect to your salary package if you receive a pay increase, you may however wish to add a benefit or increase your budgets to maximise your entitlements.

A decrease in your pay could impact the amount we are able to deduct from your pay and the payments we need to make on your behalf. Please contact the customer service team urgently to determine what action will have to be taken.

What happens if I leave my employer?

Your package will be reconciled to balance the deductions from your pay and payments made to ensure that the correct amount of fringe benefits tax has been applied to your package.

Any shortfall or overpayment will then be taken into account by your employer in your termination pay.

What does it cost to salary package?

As your salary package provider, we manage your account for a small fee as negotiated with your employer. This is included in your package and is paid out of your pre-tax salary.

The fee does not attract fringe benefits tax or contribute to any threshold limits.

Will my package affect my HECS/HELP debt?

Salary packaging increases your assessable income, which will affect how much HECS/HELP you are required to pay for that financial year. You will need to advise us and your payroll if you have a HECS/HELP debt. Depending on individual circumstances, your package may affect your HECS/HELP repayments whilst still providing you with the benefit of savings through your salary package.

Will my salary package affect my Centrelink payments?

Salary packaging does not usually affect Centrelink payments. However, this is subject to individual circumstances.

Child support payments will be based on an individual's taxable income after salary packaging plus the reportable fringe benefits amount.

We recommend that you seek further, specific advice regarding your circumstances from a financial advisor or tax accountant.

I want to submit an application to salary package, am I restricted in the benefits I may select?

Yes, you may be restricted to a range of benefits approved by your employer and to only the benefits appropriate to your industrial sector. Your employer can provide you with their approved list and our customer service specialists are happy to clarify any questions.

Get in touch with our customer service team here.

How do I terminate my package?

Circumstances change and sometimes it's time to say goodbye. We're sorry to see you go, simply fill out the form below to terminate your Remunerator Salary Package.

Terminate My Package

Are you starting with a new employer and would like to continue experiencing the benefits of salary packaging?

We'd be thrilled to work with your new employer to enhance your employee benefits program!

Learn More