of your salary entitlements

of your salary entitlementswhat 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 entitlementswhy package your salary?

• You can reduce your taxable income.

• You can potentially pay less tax.

• The result – more money for you.

of your salary entitlementshow 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 entitlementssound 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 entitlementshow much will be saved by packaging $16,050?

Annual Savings SavingsSalary 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 entitlementswhat 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 itemsMaximum $617 per fortnight

of your salary entitlementssample 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 entitlementssample 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 entitlementssample 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 entitlementswhat 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

of your salary entitlementshow 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 www.remunerator.com.au Go to Client area login: Username: benevolent password: packaging

• Contact a Remunerator Customer Service Officeremail: charities@remunerator.com.auTel: 1300 654 834

• 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