1. of your salary entitlements

2. 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.

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

4. how much extra will salary packaging deliver?
On a salary of $35,000 p.a. our clients achieve an average saving equivalent to an 11.1% pay rise based upon this salary level.

5. 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.

6. 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.

7. how much will be saved by packaging $9,095?
Annual Savings Savings
Salary Per YEAR Per FORTNIGHT
$25, $1, $ 50
$30, $1, $ 50
$35, $2, $ 79
$40,000 - $70, $2, $104
Examples include Remunerator fees

8. 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
Private Travel
Staff can package up to $9,095
towards the above items
Maximum $350 per fortnight

9. sample income with no salary packaging
You earn (gross) $40,000
Total taxable income $ 40,000
Income tax payable $ 7,110
You take home $ 32,890
Then you pay for:
Mortgage/Rent/Utilities/Expenses/Personal Loan etc. $ 9,095
Cash remaining $23,795

10. sample income with salary packaging
You earn (gross) $40,000
Then you package:
Mortgage/Rent/Utilities/Expenses/Personal Loan etc. $ 9,095
Administration Fees $
Total taxable income $ 30,669
Income tax payable $ 4,171
You take home $ 26,498
Cash remaining $26,498

11. sample income with salary packaging
On an income of $35,000 p.a., you would be in front by $2,704 each year with salary packaging!
That’s $104 extra cash every fortnight!

12. what else can be packaged?
Meal Entertainment
Laptop Computers
Personal Digital Assistants (PDA’s)
Employer provided car parking (not casual)
These items can be packaged in addition to the $9,095
See us to find out more

13. 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

14. where to from here?
Complete an application form provided, and return to Remunerator - we will design a package and return it to you for approval.
Or, visit a Remunerator representative here at the hospital every second Friday 11 am to 2 pm for a no obligation meeting – No appointment necessary.
Or, contact us for more information ph:
Go home and tell your family you just got the equivalent of an 11.1% pay rise*. (*Based on $35,000 p.a. salary)

15. of your salary entitlements