How much could you save?

Choose your sector, enter your salary and watch your Salary Impact Statement build itself. Every figure updates as you type — no name or email required to see your numbers.

Novated lease →

Select your sector

Your sector sets the FBT-exempt cap you can package each year.

Your details

We only need three things to estimate your saving — no name or email.

Annual gross salary

Pay cycle

I’m claiming the tax-free thresholdMost people claim it with their main employer.

I have a HECS-HELP debtPackaging increases your HELP repayment income — we’ll show the effect honestly in your statement.

Choose your benefits

Enter the amount you want to package toward each benefit, up to your sector caps.

Everyday living expensesRent or mortgage, groceries, bills and more — paid from pre-tax salary up to your sector cap.

of {{salPackInternalCalculatorObj.MaximumCappedAmountString}} cap · per year

Meal entertainment & venue hireDining out and venue hire, packaged on top of your living expenses cap.

of {{salPackInternalCalculatorObj.MaximumEntertainmentCappedAmountString}} cap · per year

Annual figures	Without packaging	With packaging
Gross salary	{{salPackInternalCalculatorObj.NotPackagedWages == null ? "$0.00" : salPackInternalCalculatorObj.NotPackagedWages}}	{{salPackInternalCalculatorObj.PackagedWages == null ? "$0.00" : salPackInternalCalculatorObj.PackagedWages}}
Pre-tax packaged benefits	$0.00	{{salPackInternalCalculatorObj.PreTaxExpenses == null ? "$0.00" : salPackInternalCalculatorObj.PreTaxExpenses}}
Taxable income	{{salPackInternalCalculatorObj.TaxableIncomeWithOutPackaging == null ? "$0.00" : salPackInternalCalculatorObj.TaxableIncomeWithOutPackaging}}	{{salPackInternalCalculatorObj.TaxableIncomeWithPackaging == null ? "$0.00" : salPackInternalCalculatorObj.TaxableIncomeWithPackaging}}
Income tax & Medicare	{{sumAmountV2(salPackInternalCalculatorObj.TaxEstimateWithOutPackaging,salPackInternalCalculatorObj.MedicareLevyWithOutPackaging)}}	{{sumAmountV2(salPackInternalCalculatorObj.TaxEstimateWithPackaging,salPackInternalCalculatorObj.MedicareLevyWithPackaging)}}
HELP repayment	{{salPackInternalCalculatorObj.HecsLiabilityWithoutPackaging !=null ? salPackInternalCalculatorObj.HecsLiabilityWithoutPackaging: '$0.00'}}	{{salPackInternalCalculatorObj.HecsLiability !=null ? salPackInternalCalculatorObj.HecsLiability : '$0.00'}}
Net pay to bank	{{subtractAmount(salPackInternalCalculatorObj.NetPayToEmployeeBankAccountWithOutPackaging,salPackInternalCalculatorObj.HasHecsLiability ? salPackInternalCalculatorObj.HecsLiabilityWithoutPackaging : '$0.00')}}	{{subtractAmount(salPackInternalCalculatorObj.NetPayToEmployeeBankAccountWithPackaging,salPackInternalCalculatorObj.HasHecsLiability ? salPackInternalCalculatorObj.HecsLiability : '$0.00')}}
Packaged payments to you	$0.00	{{salPackInternalCalculatorObj.SalPackPaymentWithPackaging !=null ? salPackInternalCalculatorObj.SalPackPaymentWithPackaging : '$0.00'}}
Disposable income	{{subtractAmount(salPackInternalCalculatorObj.NetPayToEmployeeBankAccountWithOutPackaging,salPackInternalCalculatorObj.HasHecsLiability ? salPackInternalCalculatorObj.HecsLiabilityWithoutPackaging : '$0.00')}}	{{subtractAmount(sumAmountV2(salPackInternalCalculatorObj.NetPayToEmployeeBankAccountWithPackaging,salPackInternalCalculatorObj.SalPackPaymentWithPackaging !=null ? salPackInternalCalculatorObj.SalPackPaymentWithPackaging : '$0.00'),salPackInternalCalculatorObj.HasHecsLiability ? salPackInternalCalculatorObj.HecsLiability : '$0.00')}}

Save or share your statement

Add your details to print your Salary Impact Statement or email a copy to yourself for later.

Please fix the following:

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Full name

Email address

Employer

Your details are only used to send this statement — we don’t sign you up to anything.

Estimated annual tax saving

{{CalculateAnnualTaxSaving()}}/ year

Based on a ${{salPackInternalCalculatorObj.AnnualSalary == null ? "$0.00" : salPackInternalCalculatorObj.AnnualSalary}} salary in a {{salPackInternalCalculatorObj.FBTStatus == 1 ? "PBI" : "Public health"}} organisation.

Take-home increase{{CalculateTakeHome()}} / {{salPackInternalCalculatorObj.PayCycleText | lowercase }}

Total packaged${{salPackInternalCalculatorObj.TotalBenefits}} / year

Gross salary equivalent{{salPackInternalCalculatorObj.GrossSalaryEquivalent == null ? "$0.00" : salPackInternalCalculatorObj.GrossSalaryEquivalent}}

Extra HELP repayment{{subtractAmount(salPackInternalCalculatorObj.HecsLiability,salPackInternalCalculatorObj.HecsLiabilityWithoutPackaging)}} / year

Estimate only, before administration fees. Tax, Medicare and HELP figures are based on {{getAssessmentYear()}} rates and your inputs. Your Eziway consultant will confirm exact figures for your employer’s program.

Start packaging with Eziway →

Add a car to this package?Stack a novated lease on top of your cap savings.

Explore →

How the numbers work

Less tax, not less pay.

Salary packaging is an ATO-approved way of paying for everyday expenses from your pre-tax salary — so you pay tax on a smaller amount, and keep the difference.

Pre-tax, not post-tax

Your packaged amount comes out of your salary before tax is calculated — lowering your taxable income for the year.

Caps keep it compliant

Your sector’s FBT-exempt cap is built into the calculator — and into the Eziway Administration System, where an arrangement outside the caps simply can’t be created.

A specialist, not a script

Your estimate is the start of a conversation. An Eziway consultant confirms your exact figures, fees and benefits before anything changes in your pay.

Disclaimer

The tax saving is an estimate only based on the tax rates and prevailing conditions as at the date of this calculation.
Tax, Medicare and HELP repayment calculations are estimates only and exclude administration fees and the Medicare levy surcharge.
We strongly recommend you seek independent financial advice before proceeding.
We expressly disclaim all liability for any loss or damage which may arise from any person acting on any information contained herein.