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Start saving on tax with salary packaging and novated leasing

Join over 500,000 Australians and start saving on income tax with Smart™.

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Check benefits and apply1

Start by searching for your employer to view your available benefits. The calculator takes around XX minutes and needs some basic personal info.
Employer not shown?View savings by industry

Smarter pay, better outcomes for people and workplaces .

From healthcare and education to corporate and not-for-profit sectors, Smart can help boost your take-home pay or enhance employee benefits by making salary packaging simple, compliant and rewarding.

Thinking about a novated lease? Think Smart

Novated leasing is a simple way to get a car using your pre-tax salary. We handle everything from sourcing the right vehicle with fleet discounts, arranging finance and insurance, to delivering to your door. When the lease ends? We'll guide you through your options, ensuring the entire process is smooth and stress-free.

Novated lease calculator

Start by searching a car and see how much you might save compared to a loan or cash options.
Not sure what you need?Compare cars

Check benefits and apply

Start by searching for your employer to view your available benefits. The calculator takes around XX minutes and needs some basic personal info.

SalPac img

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Novated lease calculator

Start by searching a car and see how much you might save compared to a loan or cash options.
Not sure what you need?Compare cars

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Limited time offer only
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Calculate your savings

Start by searching your employer to see the actual benefits offered. This calculator needs some personal info and takes around XX minutes.
Employer not shown?View savings by industry

Learn more at an education session

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Salary packaging for NSW Health workers

A 30-minute session explaining benefits and savings for employees of NSW Health--xx

 

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Popular Benefits

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

Superannuation
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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.

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. 

Ford Ranger 2025 Wildtrak Double Cab

Ford Ranger 2025.25MY Wildtrak Double Cab 2.0 DTT

$832 per fortnight*

Price includes running costs

BYD Sealion 6

BYD Sealion 6 MY24 Dynamic Wagon Plug-in Hybrid

$435 per fortnight*

Price includes running costs

isuzu-mu-x-ls-t.jpg

Isuzu MU-X

LS-T 4X4

$839 per fortnight*

Price includes running costs

MG 4 Excite

MG 4

Excite 51KWh

$384 per fortnight*

Price includes running costs

BYD Sealion 6

BYD Sealion 6 MY24 Dynamic Wagon Plug-in Hybrid

$435 per fortnight*

Price includes running costs

Tesla Model 3

Tesla Model 3

MY25 Rear-Wheel Drive

$532 per fortnight*

Price includes running costs

MG 4 Excite

MG 4

Excite 51KWh

$384 per fortnight*

Price includes running costs

MG 4 Excite

MG 4

Excite 51KWh

$384 per fortnight*

Price includes running costs

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.

What can you salary package?

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

Popular benefits
Popular cars
Ford Ranger 2025 Wildtrak Double Cab

Ford Ranger 2025.25MY Wildtrak Double Cab 2.0 DTT

$832 per fortnight*

Price includes running costs

BYD Sealion 6

BYD Sealion 6 MY24 Dynamic Wagon Plug-in Hybrid

$435 per fortnight*

Price includes running costs

isuzu-mu-x-ls-t.jpg

Isuzu MU-X

LS-T 4X4

$839 per fortnight*

Price includes running costs

MG 4 Excite

MG 4

Excite 51KWh

$384 per fortnight*

Price includes running costs

Popular Electric Vehicles

  

Which benefits are available in your industry?

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

Which benefits test are available in your industry?

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

Bundled expenses

Expenses such as fuel, servicing, insurance and registration are bundled into one simple payroll deduction.


Corporate test

Tax savings

Lease payments and vehicle running costs are deducted from your pre-tax salary, reducing your taxable income and saving you money.

The easier and safer way to pay

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Google Pay

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Apple Pay

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We've got you some great discounts on popular models through our dealer network.
Check out what you could save now!

We’re here to help

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 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.