DISCLAIMER: The salary packaging calculator from Smartsalary Pty Ltd ("Smartsalary") is only designed to give an estimate of the savings you may achieve and is not intended as a replacement for professional advice. Smartsalary is not licensed to provide taxation advice and it is recommended that you seek appropriate legal, financial, tax or other professional advice before making any decisions regarding your salary package. All calculations have been updated to reflect the changes in the May 2026 Federal Budget, are based on personal income tax rates and thresholds for the 2026-27 financial year. The calculations do not take into account, any applicable: low income tax offsets (LITO), low income Medicare levy reduction or any Smartsalary fees that apply. They also do not take into account any individual eligibility for government cost of living measures, rebates or relief announced in the 2026–27 Federal Budget, which are subject to eligibility criteria and may change over time. GST savings shown in the calculations are based on the assumption that your Employer passes on input tax credits but does not take into account your Employer's accounting methods or internal policies. Superannuation pre-tax contributions shown in the calculations will have concessional contributions tax of 15%. Therefore, the post-tax contribution has also been reduced by 15% to show a more accurate comparison. The calculations are based on the information provided by you, including your available income for salary packaging, and may change if this information changes.

DISCLAIMER: Salary packaging is only available to eligible employees of the Queensland Government as per the Standing Offer Arrangement QGP0065-21. The implications of salary packaging for you (including tax savings and impacts on benefits, surcharges, levies and/or other entitlements) will depend on your individual circumstances. The information in this publication has been prepared by Smartsalary Pty Ltd for general information purposes only, without taking into consideration any individual circumstances. Smartsalary Pty Ltd and the Queensland Government recommend that before acting on any information or entering into a salary packaging arrangement and/or a participation agreement with your employer, you should consider your objectives, financial situation and needs, and, take the appropriate legal, financial or other professional advice based upon your own particular circumstances. You should also read the Salary Packaging Participation Agreement and the relevant Queensland Government Salary Packaging Information Booklets and Fact Forms available via the Queensland Government Contracts Directory. The Queensland Government strongly recommends that you obtain independent financial advice prior to entering into, or changing the terms of, a salary packaging arrangement.