What is salary packaging?
The easiest way to increase your income without working longer hours is to salary package. Put simply, salary packaging is a way for you to purchase a variety of goods and services, as well as pay bills (including mortgages or rent) using tax-free dollars. The end result is an increase in your take home pay.
Employees have a total of $15,900* per Fringe Benefit Tax year to salary package.
15,900
benefit per
year
Watch our video on how salary packaging works
How does it work?
When you choose salary packaging, the approved expenses you incur are deducted from your salary before tax is calculated. This means you end up paying less tax overall. With those key costs taken care of in advance, you can enjoy more of your hard-earned money for the things that really matter to you.
How will I benefit from salary packaging?
Your exact additional take home pay will depend on your total annual salary. The table below shows the indicative financial benefits for different salaries, alternatively you can use our salary packaging calculator.
| Annual salary | Annual benefit | Fortnightly benefit |
|---|---|---|
| $25,000 | $1,088 | $42 |
| $30,000 | $2,488 | $96 |
| $40,000 | $3,344 | $129 |
| $50,000 | $3,562 | $137 |
| $60,000 | $4,962 | $191 |
| $70,000 | $5,088 | $196 |
These examples are accurate only for the period from 1 July 2025 - 30 June 2026.
How can I spend my tax-free money?
Eligibility, documentation requirements and some conditions will apply so the friendly staff at CBB are available to discuss your situation.
Pay debts
You can use your tax-free money to pay debts! CBB can help you to set up regular repayments and then our team will take care of the rest. Regular repayments can include:
Salary packaging card
If you’d like to use your funds for general living expenses, then the CBB Salary Packaging Card is a good option. It can be used wherever Visa is accepted.
Tax-free dining and accommodation *
The CBB Meal Entertainment and Holiday Accommodation Card enables you to dine out, pay for your holiday accommodation or even hire a venue for a special occasion using tax-free dollars. This benefit enables you to salary package $2,650 per year in addition to your normal salary packaging amount.
* These benefits are subject to your organisation’s salary packaging policy.
Sounds too good to be true...
One of the most common things we hear from those new to salary packaging is that it sounds too good to be true. Rest assured, salary packaging is a government approved employee benefit for certain types of not-for-profit organisations.
Employers who are Public Benevolent Institutions (PBIs) are permitted by the ATO to provide this benefit to their staff. Salary packaging guidelines are developed and approved by the ATO.
Salary packaging benefits
At CBB, we offer a comprehensive suite of salary packaging services designed to meet your lifestyle and work needs. Explore our range of benefits below:
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Benefit from exclusive discounts on airline lounge memberships. Whether your travel is for business or leisure, our partnerships help you relax and enjoy added comfort while you’re on the move.
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Take the hassle out of your daily commute. Use your pre-tax dollars to pay for parking near your workplace, saving you money on a regular expense—without impacting your overall salary packaging limit.
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Stay connected and productive by packaging your tech needs. Eligible devices, such as laptops, mobile phones, tablets, and smartwatches, can be purchased using pre-tax dollars, helping you keep up with the latest technology while reducing your tax burden.
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Enjoy dining out or holiday accommodation through our meal entertainment benefit. With an annual limit in place, you can package dining and entertainment expenses, making special occasions and everyday meals more affordable.
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Access exclusive health insurance discounts with Medibank Corporate Cover. This benefit provides savings on premiums and extras, helping you secure quality healthcare for you and your family at a lower cost.
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Enjoy a seamless car financing solution that lets you drive the car you want while reducing your taxable income. With a novated lease, you can use your pre-tax dollars to cover vehicle expenses—from purchase to maintenance—benefitting from competitive fleet pricing and GST savings, making car ownership more affordable and hassle-free.
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Invest in your professional development by packaging memberships and subscriptions to industry associations and trade publications. This benefit not only keeps you at the cutting edge of your field but also helps manage costs efficiently.
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If you live and work in a remote area, you may be eligible to package up to 50% of certain living and travel expenses. This benefit is designed to help offset the additional costs associated with remote living.
Benefit from exclusive discounts on airline lounge memberships. Whether your travel is for business or leisure, our partnerships help you relax and enjoy added comfort while you’re on the move.
Take the hassle out of your daily commute. Use your pre-tax dollars to pay for parking near your workplace, saving you money on a regular expense—without impacting your overall salary packaging limit.
Stay connected and productive by packaging your tech needs. Eligible devices, such as laptops, mobile phones, tablets, and smartwatches, can be purchased using pre-tax dollars, helping you keep up with the latest technology while reducing your tax burden.
Enjoy dining out or holiday accommodation through our meal entertainment benefit. With an annual limit in place, you can package dining and entertainment expenses, making special occasions and everyday meals more affordable.
Access exclusive health insurance discounts with Medibank Corporate Cover. This benefit provides savings on premiums and extras, helping you secure quality healthcare for you and your family at a lower cost.
Enjoy a seamless car financing solution that lets you drive the car you want while reducing your taxable income. With a novated lease, you can use your pre-tax dollars to cover vehicle expenses—from purchase to maintenance—benefitting from competitive fleet pricing and GST savings, making car ownership more affordable and hassle-free.
Invest in your professional development by packaging memberships and subscriptions to industry associations and trade publications. This benefit not only keeps you at the cutting edge of your field but also helps manage costs efficiently.
If you live and work in a remote area, you may be eligible to package up to 50% of certain living and travel expenses. This benefit is designed to help offset the additional costs associated with remote living.
Good for you —
Good for your
community.
Why choose CBB?
With over 25 years of experience, CBB is dedicated to delivering salary packaging solutions tailored for not-for-profit organisations. Our friendly team is committed to helping you navigate every step—from onboarding to ongoing support—ensuring you enjoy seamless access to a range of benefits that enhance both your financial wellbeing and your lifestyle.