Salary Packaging Salary Packaging

Salary Packaging Explained

For employees ATO-approved salary packaging

Pay everyday expenses with pre-tax dollars.

If you work for a not for profit, salary packaging lets you set aside part of your salary before tax to cover real living expenses — so you pay less tax and take home more. Here’s everything you need, on one page.

Get started → Calculator How it works

Serving the not for profit sector since 2007

Australian employer offering novated leasing to their team
What is salary packaging?

An ATO-approved way to restructure your salary.

Salary packaging — also called salary sacrificing — lets you use part of your pre-tax income to pay for everyday expenses. You pay less tax, and keep more of what you earn.

When you package, money for certain expenses — called benefits — is set aside from your salary before tax is taken out. You then only pay tax on the remaining portion of your salary.

In easy terms: your packaged income is deducted first, and you’re taxed on what’s left second. Less taxable income means more take-home pay.

  • 1Choose the everyday expenses you’d like to package.
  • 2That amount is set aside from your pay before tax.
  • 3You’re taxed only on the rest — and take home more.
Public Benevolent Institution
Tax-free threshold$18,200
Living expenses cap$15,900
Meal entertainment cap$2,649
Tax-free salary$36,749
Public Hospital
Tax-free threshold$18,200
Living expenses cap$9,010
Meal entertainment cap$2,649
Tax-free salary$29,859

Illustrative examples only, based on the relevant FBT caps and assuming the full cap is packaged. The amount you can package and your actual saving depend on your employer, your individual circumstances and current ATO rules. Speak to Eziway to confirm your eligibility.

What can I salary package?

The everyday expenses that count.

These are the most popular benefits our not for profit customers package across Australia. What you can claim depends on your employer and your circumstances.

Mortgage repayments

Put pre-tax dollars towards your mortgage — paid directly or reimbursed to your nominated account.

Rent payments

Use pre-tax income to contribute to your rent, reimbursed straight into your nominated account.

Personal loans

Package personal loan repayments — paid directly to your lender or reimbursed to you.

Credit card repayments

Be reimbursed for a portion of your monthly credit card repayments from pre-tax dollars.

Portable devices

Once a year, package a work-related laptop, tablet or mobile phone.

Car leasing

Include the running costs of a new or used car with a novated lease through Eziway.

Remote living costs

If you live and work in an ATO-defined remote area, you may qualify for extra benefits.

Meal entertainment

Claim sit-down dining and holiday accommodation under the meal entertainment benefit.

Cap up to $2,649
Venue hire

Cover function rooms, all-inclusive holiday packages and commercial catering for your next event.

Car parking

If you work for a registered charity, reimburse metered, airport and commercial parking costs.

Relocation expenses

Relocating for work? Package moving costs like stamp duty, legal and agent fees (conditions apply).

School fees

Package the tuition portion of school fees and out-of-pocket childcare costs.

Let’s get started

Three easy ways to sign up.

We guide you through it step by step with technology that’s quick, simple and transparent. Choose whichever way suits you.

Fastest

The Eziway App

Download the app, self-register and get immediate access and control over your account, whenever it suits you.

Find out more →
On desktop

New starter portal

Prefer your computer? Head to your dedicated new starter portal, register, and you’re activated immediately.

Open the portal →
With a person

Talk to a specialist

Want to talk it through? Call and you’ll be put through to your organisation’s dedicated Client Experience Officer.

Call 1800 932 394 →
Salary packaging cards

One card for living expenses & meal entertainment.

The Eziway all-in-one card is one of the most convenient ways to use your packaged dollars — track your live balance in the app and tap to pay as you go.

  • Combined living expense and meal entertainment balances on one card
  • Check your live balance instantly in the Eziway app
  • Tap to pay anywhere Mastercard is accepted
Heads up: a new Product Disclosure Statement for the Eziway Salary Packaging card takes effect on 17 February 2026, including a Rollover Gift Card option for eligible balances over $20 at 31 March. Full terms, fees and conditions apply — see your card documentation for details.
Expert Advice

Eziway have partnered with National Loans to bring you experienced loan brokers, expert advice and tailored loan solutions.

Expert advice Tailored solutions Package the repayments
Expert Loan Advice

Keep need a loan

With access to experienced loan brokers, Eziway extends our Partnership with National loans to you, offering expert advice and tailored solutions for your loan needs — and your repayments can be salary packaged too, so one of your personal expenses gets easier to manage.

Explore loan options →
Why join a not for profit?

The benefit that corporate roles can’t match.

Not for profit employers hold special tax concessions that let their staff package a generous slice of salary tax-free. How much depends on the type of organisation you work for.

01

Public Benevolent Institutions

Charities whose main purpose is relieving need — like disability, aged care and community services — carry the most generous cap.

Cap up to $15,900 tax-free
02

Health Promotion Charities

Organisations whose principal activity is promoting the prevention or control of disease in people share the same higher cap as PBIs.

Cap up to $15,900 tax-free
03

Public & not for profit hospitals

Public hospitals, certain non-profit hospitals and ambulance services have their own cap for tax-free packaging.

Cap up to $9,010 tax-free

So how does salary packaging work

When you Package, money for certain personal expenses (called benefits) is deducted or ‘sacrificed’ from your salary before tax is taken out. You then only pay tax on the remaining portion of your salary.
Contact us to discuss your eligibility to Package and how much you can save given your individual circumstances.
*These tax savings are an estimate only.