Salary Packaging Calculator & Example Payslip Australia

It is a tool that estimates how paying for eligible expenses from your pre-tax income may affect your taxable pay and the amount that reaches your bank account, compared with paying for the same items after tax.

Eligible pre-tax deductions may reduce your taxable income, which can change the PAYG withholding calculated on that pay. Because you are also paying for the item, the net effect varies with your income, the amounts packaged and your circumstances, so no particular outcome is guaranteed.

It can display gross pay, pre-tax deductions, the pay you are taxed on, estimated PAYG withholding, post-tax deductions, the estimated payment to your bank account and employer superannuation — for both the standard and the salary packaged payslip.

Yes. It provides an estimated PAYG withholding amount for each payslip based on the information entered, using the ATO withholding tables for the pay cycle you select.

Yes. Enter the additional salary sacrificed super contribution you want to test and the calculator shows its estimated impact on your taxable pay and withholding. Concessional contribution caps and your individual eligibility should be considered separately.

Yes. You can enter the relevant pre-tax and post-tax novated lease deductions from your lease quote. Novated leasing is available fee-free through our sister company Alliance Leasing, and their calculator can give you the figures to enter here.

Pre-tax deductions come out of your pay before PAYG withholding is calculated, so they reduce the pay you are taxed on. Post-tax deductions (commonly the employee contribution method, or ECM) are taken after PAYG withholding has been calculated, so they reduce your net pay without changing your taxable income.

Some eligible work-related expenses may be able to be salary packaged, depending on your circumstances and the applicable tax rules. Not every work expense qualifies automatically — items need to be checked and approved before they can be added to your payroll.

No. Salary packaging changes how eligible amounts are allocated within your pay, not the underlying contract rate you agreed to. The same gross amount is earned; some of it is simply directed to an approved item before tax rather than after.

Because eligible pre-tax deductions can reduce the pay you are taxed on, and PAYG withholding is calculated on that reduced figure. Lower taxable pay generally means a lower withholding amount for that pay.

Yes. There is an option to indicate that you have a HELP/STSL debt, and the calculator will estimate the additional withholding on that basis alongside PAYG.