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Salary packaging with Smart

More in your pocket, less on tax.

Explore savings and apply

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What is salary packaging?

Also called ‘salary sacrificing’, salary packaging is an arrangement with your employer that can help you save on income tax.

You get some of your pay as benefits instead of cash
Your taxable income is reduced as a result 
What you can get depends on your employer

Why salary package with Smart?

SmartTM makes it simple for you to access benefits and maximise your tax savings.

Benefits that work for you
Maximise take-home pay
Simple and ATO-approved
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Ready to get started?

Whether you’re exploring salary packaging for the first time, wanting to add new benefits, or thinking of salary packaging a car, Smart makes it simple.

New to salary packaging?

Find out what benefits are available in your industry and what your employer offers, then apply.

Already salary packaging?

Check existing benefits and balances and update or add new ones.

Interested in a novated lease?

See what you could save by salary packaging a car.

What can you salary package?

Here are some popular benefits. What you can package depends on your employer and industry.

Popular benefits
Superannuation
a closeup image of a man using his laptop and calculator
Grow your future wealth

Whether saving for your first home or counting down to retirement, you could save on tax by making extra super contributions. 

Portable electronics
A range of mobile devices
Save tax on a tablet, laptop or phone

You may be able to salary package a device you use mainly for work, helping you save on staying connected.1 

Novated leasing
white car
Salary package a car

A novated lease is one of the most cost-effective ways of buying and running a car, especially with an electric vehicle.

Popular cars
Electric Vehicles

Order now for a $3,000 incentive on your Tesla purchase!

Tesla is offering Smart™ novated lease customers $3,000 off the purchase price of a Tesla Model 3 or Model Y – but only for deliveries made by 20 December 2024. Terms and conditions apply.

Drive an XPENG G6 from just $219 a week*

Order an XPENG G6 with Smart™ today and get a 10-year manufacturer’s warranty, 10-year battery warranty and your first year's servicing at no cost! Valued at $5,218 (inc GST). Terms and conditions apply.

XPENG 10-year extended warranty

Turn your dream car into your dream holiday

A novated lease is one of the most tax-effective ways to buy and run a car. You could earn 10,000 Qantas Points when you take out a novated lease with Smart™. Terms and conditions apply.

Turn your dream car into your dream holiday with Smart and Qantas.

Drive away with a boot load of groceries!

Get a novated lease with Smart™ and not only could you make big tax savings with your new car, you could win one of 40 $1,000 eGift cards.
Terms and conditions apply.

Drive away with a bootload of groceries

  

Which benefits are available in your industry?

Click on your industry to see where you could make tax savings.

Not-for-profit and Care
Explore benefits
Private Education
Explore benefits
Public Education
Explore benefits

Important information

This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a SmartTM company. 

* Price and estimated tax savings based on the following assumptions: (1) living in NSW 2000, (2) salary: $90,000 gross p.a., (3) travelling 15,000 kms p.a., (4) lease term: 5-years, and (5) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are based on quotes obtained by Smart in November 2024 from its dealership network and may be subject to change.

  1. A portable electronic device can only be salary packaged if it is used primarily (over 50%) for work purposes. Self-education or professional education does not count towards work use.