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Everyday Living Benefit
Use your pre-tax salary to pay for the things you already spend money on - and pay less tax doing it.
Annual FBT-free cap
$15,900
NFP / PBI exempt employers
Pay for everyday life - before tax
Instead of receiving your full gross salary, paying income tax on it, then spending what's left on rent or groceries - salary packaging lets you redirect up to $15,900 per year towards approved living expenses before tax is calculated.
The result: your taxable income drops, you pay less income tax, and the money covers the same bills you were already paying. You're not spending more - you're just keeping more of what you earn.
$15,900
Annual cap
NFP exempt employers
$15,900
Rebatable NFP cap
Annual cap
$5,000+
Typical annual saving
At $80k salary
$2,650
Meal & ent. on top
Additional cap
Choose how you want to use your $15,900
You don't have to pick just one - you can split the cap across multiple options to match how you actually spend money.
Mortgage Repayments
Use your pre-tax salary to make your home loan repayments. Every dollar you package reduces your taxable income, so you're effectively paying less for the home you already own.
Rent Payments
Pay your rent from pre-tax salary instead of post-tax income. Regardless of whether you rent privately or through a real estate agent, your rent payments can go through your packaging arrangement.
Personal Loan Repayments
Already have a personal loan, or need one? You can package your repayments pre-tax under your everyday living benefit. NSP can also source competitive personal loans - we shop our lender panel to find a rate that beats the big banks.
Ask NSP to source a personal loan for you
Credit Card Repayments
Use your everyday living benefit to make repayments on an eligible credit card. This is a flexible option - whatever you regularly charge to your card, from groceries to bills, your repayments can come from pre-tax salary.
EML Prepaid Visa Card
Prefer maximum flexibility? Your everyday living benefit can be loaded onto an NSP EML prepaid Visa card - accepted anywhere Visa is accepted. Use it for groceries, petrol, dining, bills or any everyday expense.
Note: The $15,900 cap applies across all everyday living benefit categories combined. For example, if you package $10,000 in mortgage repayments, you have $5,900 remaining for rent, credit cards, loans or your EML card.
What does everyday living actually look like?
Real expenses, real savings - the things you spend money on every week.
Groceries
Utilities
Home
Bills & subscriptions
Who is eligible?
NFP / PBI (FBT exempt)
Rebatable NFP employers
Corporate / private employers
Government / public sector
What you'll need to provide
Lease agreement or rental statements (for rent)
Mortgage statements or home loan account details
Personal loan contract and repayment schedule
Credit card statements showing repayments
EML card transactions are tracked automatically
How much could you save?
Savings Estimator
Indicative figures only - not a guarantee or financial advice
Up to ~$15,900 / yr
$2,544
Estimated annual saving
$98
Per fortnight saving
30%
Your marginal tax rate
Based on the $15,900 FBT cap for eligible NFP employers. A $9,010 cap applies to public and private not-for-profit hospitals and ambulance services. Actual caps are set by legislation and may vary. Figures are indicative only and do not constitute financial or taxation advice. Actual savings depend on your personal circumstances, employer setup and current ATO rules. Where the standard 2% Medicare levy is included, it applies whether or not you hold private hospital cover; the Medicare Levy Surcharge is not included.
Ready to start packaging your everyday expenses?
Our team will confirm your eligibility, set everything up with your employer, and make sure you're using the full $15,900.
Disclaimer: The information on this page is general in nature only. It does not constitute financial, taxation or legal advice. Eligibility for the everyday living benefit depends on your employer's FBT classification, your individual circumstances and current ATO rules, which are subject to change. You should obtain advice specific to your situation from a qualified professional before making decisions about salary packaging.
