of your salary entitlements

what is salary packaging? Rather than paying for some of your expenses in your ‘after-tax’ income, you choose to pay for some of your expenses in your ‘pre-tax income’. Tax is then payable on the amount left after these expenses are paid.

of your salary entitlements why package your salary? You can reduce your taxable income. You can potentially pay less tax. The result – more money for you.

of your salary entitlements how much extra will salary packaging deliver? On a salary of $30,000 p.a. our clients achieve an average saving equivalent to an 16.2% pay rise based upon this salary level.

of your salary entitlements sound to good to be true? Salary Packaging certainly does sound too good to be true, but it is a legitimate form of tax effective remuneration that is provided by 73% of Australian organisations to their employees. is it legal? Salary packaging is a legal practice and is endorsed by the tax department; the Federal Government offers salary packaging to their employees. ATO APPROVED

of your salary entitlements how much will be saved by packaging $16,050? Annual Savings Savings Salary Per YEAR Per FORTNIGHT $20,000 $2,236 $ 86 $25,000 $2,402 $ 92 $30,000 $2,402 $ 92 $35,000 $3,302 $127 $40,000 -$50,000 $4,940 $190 $60,000– $70,000 $4,940$190 Examples include Remunerator fees

of your salary entitlements what expenses can be packaged? Home Mortgage Rent Health Insurance Utility Expenses School Fees / HECS Child, Aged & Disability Care General Insurance Credit Card Repayments Personal Loan General Expenses $16,050 limit applies to the above items Maximum $617 per fortnight

of your salary entitlements sample income with no salary packaging You earn (gross) $30,000 Total taxable income $ 30,000 Income tax payable $ 3,960 You take home $ 26,040 Then you pay for: Mortgage/Rent/Utilities/Expenses/Personal Loan etc.$ 16,050 Cash remaining $ 9,990

of your salary entitlements sample income with salary packaging You earn (gross) $30,000 Then you package: Mortgage/Rent/Utilities/Expenses/Personal Loan etc.$ 16,050 Administration Fees $ 303 Total taxable income $ 13,647 Income tax payable $ 1,255 You take home $ 12,392 Cash remaining $12,392

of your salary entitlements sample income with salary packaging On an income of $30,000 p.a., you would be in front by $2,402 each year with salary packaging! That’s $92 extra cash every fortnight!

of your salary entitlements what else can be packaged? Meal Entertainment Laptop Computer and/or PDA These items can be packaged in addition to the $16,050 See us to find out more

of your salary entitlements

how you can take full advantage with Remunerator We help you maximize your salary entitlement We can pay your expenses directly We deliver you more money each fortnight One on one personal assistance Access to the right information and support

of your salary entitlements where to from here? Visit our website at Go to Client area login: Username: benevolent password: packaging Contact a Remunerator Customer Service Officer Tel: Complete your online application and submit substantiation documents required promptly To assist us in ensuring you maximize your entitlement it is important that you supply: Pay slip Proof of major expenses, such as rental or loan agreement

of your salary entitlements