Salary Packaging Calculator Australia 2026-27
See how much tax you save with FBT-exempt salary packaging if you work for a charity, public hospital or not-for-profit. Models the $9,010 (health) and $15,900 (charity/PBI) caps for the 2026-27 year.
Capped at $9,010 (FBT-exempt) for your employer type.
Annual Tax Saving
$2,883
$111 per fortnight extra in your pocket
Standard employer? Salary sacrifice into super instead
If you work for a standard private-sector employer, you won't have the FBT-exempt cap — but you can still reduce tax by salary sacrificing into superannuation.
Salary Sacrifice Calculator →See your tax saving from sacrificing into superFrequently Asked Questions
What is salary packaging?
Salary packaging (also called salary sacrifice) lets you pay for certain expenses from your pre-tax salary, reducing your taxable income. Employees of charities, public hospitals and not-for-profits can package living expenses up to an FBT-exempt cap, which delivers large tax savings unavailable to standard employees.
What is the salary packaging cap for 2026-27?
Employees of public and not-for-profit hospitals and health services can package up to $9,010 per year (FBT-exempt). Employees of registered charities and Public Benevolent Institutions (PBIs) can package up to $15,900 per year. These caps refer to the cash value of benefits.
What is the difference between salary packaging and salary sacrifice?
They're often used interchangeably, but 'salary packaging' usually refers to the broader arrangement — especially the FBT-exempt living-expense packaging available to NFP and health employees. 'Salary sacrifice' most commonly refers to redirecting pre-tax salary into superannuation, which any employee can do.
Who is eligible for FBT-exempt salary packaging?
Employees of registered charities (PBIs), public and not-for-profit hospitals, public ambulance services, and certain health promotion charities. Standard private-sector employers don't offer the FBT-exempt cap — but you can still salary sacrifice into super.
How much can I save with salary packaging?
It depends on your marginal tax rate and how much you package. A health worker on $90,000 packaging the full $9,010 typically saves around $3,000 per year in tax. Higher earners save more because their marginal rate is higher.