You don't have to earn a lot to benefit

You may have heard lots of people talking about salary packaging and even when they try to explain how it works, it might all seem quite complicated and perhaps even too good to be true.

Does the tax department really allow you to pay for some everyday items using pre-tax income? Yes, they do. (Refer to the ATO Salary sacrifice and salary packaging page for more information.)

Depending on individual circumstances, you may be able to salary package certain items - including electricity, clothing and groceries - and potentially reduce your taxable income and increase your disposable income. 

No matter whether you work full-time, part-time or casually - if you expect to pay income tax, you could be better off.