Salary Packaging Calculator Australia is a free tool that gives general estimates of the tax you could save through salary packaging. It was last reviewed in 2026 October.
Assumptions
- Australian resident tax rates for 2025–26 and 2026–27, plus a flat 2% Medicare levy (low-income reductions are not modelled).
- Savings equal the tax on your full salary minus the tax on your salary after packaging.
- FBT caps are converted to cash using the Type 2 gross-up rate of 1.8868.
- Super uses a 12% guarantee, concessional caps of $30,000 (2025–26) and $32,500 (2026–27), and 15% contributions tax (plus 15% Division 293 above $250,000).
- Novated leases model the statutory method (20%) for non-exempt cars and the FBT exemption for eligible electric vehicles.
Not modelled
HELP repayments, Medicare levy surcharge, GST savings, lease finance charges, carry-forward super caps, state-specific rules and individual employer policies.
Disclaimer
This site provides general information only and is not financial, tax or legal advice. Rates and caps change, so confirm with your employer, salary packaging provider, the ATO or a registered tax agent.