Your Questions ^Answered

Your salary packaging details will be included in your income statement, which your employer provides to the ATO. Your reportable fringe benefits amount (RFBA) will also be listed. While this amount isn’t taxed directly, it may affect calculations for HECS repayments, Medicare levy surcharge, and some government benefits. You don’t need to submit additional documents, but it's important to check that all your details are correct when lodging your tax return.

Yes, salary packaging can affect your HECS-HELP repayments. Although salary packaging reduces your taxable income, the ATO assesses HECS repayments based on your adjusted taxable income, which includes any reportable fringe benefits. If salary packaging lowers your take-home pay but increases your adjusted income, you might need to make higher HECS repayments. Speak to your tax adviser or use the ATO HECS repayment calculator to see how it applies to your situation.

Potentially, yes. Salary packaging reduces your taxable income, but some Centrelink payments (like Family Tax Benefit, Child Care Subsidy, and other income-tested benefits) are assessed based on your adjusted taxable income, which includes reportable fringe benefits. This means that your Centrelink entitlements could be affected. We recommend checking with Centrelink or a financial adviser to understand how salary packaging may impact your payments.

Yes! You don’t necessarily need to prove specific expenses to salary package. If your employer offers a salary packaging card, you can use it for everyday purchases like groceries, fuel, dining, and other living costs. However, if you're salary packaging certain benefits that require reimbursement (like mortgage or rent), you may need to provide proof of expenses.

Yes, casual employees working for a PBI or Health Promotion Charity may still be eligible for salary packaging. However, eligibility depends on your employer’s policies and whether your earnings are consistent enough to support regular pre-tax deductions. We recommend checking with your employer or reaching out to Simplygreen for confirmation.

Getting started is simple! Just follow these steps: 1. Check your eligibility – Your employer must offer salary packaging, and your employment type must qualify. 2. Register with Simplygreen – You can do this by visiting our website or contacting our customer support team. 3. Submit your application – Provide the required details, including your employment information and what expenses you'd like to package. 4. Simplygreen review – Once we review your application, we may contact you to confirm any missing details. Once our review is complete, we'll set everything up for you. 5. Start saving – Your salary packaging deductions will begin, and you’ll enjoy the tax benefits right away!

Yes, if you have a salary packaging card linked to tax-free capped benefits (such as General Living Expenses or Meal Entertainment), you should aim to use all the available balance before the 31st of March each year. This is because salary packaging benefits are based on the Fringe Benefits Tax (FBT) year, which runs from 1st April to 31st March. Any unused balance may not roll over, and you could lose access to those funds.

Your salary packaging arrangement ends, and any outstanding amounts (e.g., car lease payments) may need to be settled or transferred if your new employer offers salary packaging.

Yes, this is called Novated Leasing. It lets you use pre-tax income to cover the costs of a car, including lease payments, fuel, and maintenance, potentially saving thousands.

By using pre-tax dollars for approved expenses, you reduce your taxable income, which means you pay less tax and take home more of your income.

Eligibility varies across commercial, government, health, and not-for-profit organisations. It's best to get in contact to discuss your scenario.

Commonly included items are car leases (novated leasing), mortgage or rent payments, education expenses, and work-related costs. Eligibility depends on your employer.

Salary packaging (or salary sacrifice) is an arrangement where you use your pre-tax income to pay for certain expenses, reducing your taxable income and potentially increasing your take-home pay.