Work Equipment Salary Packaging Calculator

Calculate tax savings from salary packaging laptops, phones, tablets, tools, and other work equipment. FBT-exempt for items primarily used at work.

Switch to another sacrifice type

Estimated tax benefit

$640

$1,360 less take-home pay

Salary sacrifice inputs

Financial Year

Tax rates and thresholds vary by year

Your income

Estimate the tax impact of packaging work-related equipment such as laptops, phones, and tools.

Pre-tax income

Use hourly, weekly, monthly, or annual income.

Frequency

Equipment cost (one-time)

Enter the total cost of the equipment you want to package.

One-time

Tax Free ThresholdHECS/HELP Debt

Work equipment packaging

You can package work-related equipment like laptops, phones, tablets, and tools. The item cost is spread for tax purposes, while the salary packaging benefit is reflected up front.

Salary sacrifice inputs

Financial Year

Tax rates and thresholds vary by year

Your income

Estimate the tax impact of packaging work-related equipment such as laptops, phones, and tools.

Pre-tax income

Use hourly, weekly, monthly, or annual income.

Frequency

Equipment cost (one-time)

Enter the total cost of the equipment you want to package.

One-time

Tax Free ThresholdHECS/HELP Debt

Work equipment packaging

You can package work-related equipment like laptops, phones, tablets, and tools. The item cost is spread for tax purposes, while the salary packaging benefit is reflected up front.

Salary packaging outcome

Annual impact summary

Compare the tax saved with the change to your take-home pay.

Tax Saved

$640

per year

Impact on take-home pay

Current Net Pay$70,412

New Net Pay$69,052

Reduction in Pay-$1,360

The Magic of Salary Packaging

You package:$2,000

Your take-home pay drops by:$1,360

Actual money saved (tax benefit):$640

You get $640 in tax benefit while reducing take-home pay by $1,360.

Component	Current	With Sacrifice
Gross Salary	$90,000	$88,000
Taxable Income	$90,000	$88,000
Estimated Tax	-$19,588	-$18,948
Net Pay	$70,412	$69,052
Superannuation
Employer SG	$10,800	$10,800
Salary Sacrifice (Gross)	$0	$2,000
Contributions Tax (15%)	$0	-$0
Total Super	$10,800	$10,800

Salary Packaging

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Super Tax

“Salary sacrificing into super is taxed at 15%, which is often much lower than your marginal tax rate.”

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See the example calculation below for a typical scenario.

Example: Home Office Setup ($2,500)

See how packaging a laptop + monitor + accessories on a $90,000 salary saves you:

✕Paying with After-Tax Cash

Equipment Cost:$2,500
GST Savings:—
Income Tax Savings:—
Net Cost to You:$2,500

WITH PACKAGING

✓Salary Packaging

Equipment Cost:$2,272.73 (ex GST)
GST Savings:−$227.27
Income Tax Savings:−$681.82
Net Cost to You:$1,590.91

Result: You save $909 on a $2,500 work equipment package — a 36% effective discount using pre-tax dollars!

?Complete Guide to Work Equipment Salary Packaging

Work equipment salary packaging lets you buy laptops, phones, tablets, tools, and other work-related items using pre-tax salary. The ATO exempts portable electronic devices and tools of trade from FBT when primarily used for work, making this an efficient tax strategy.

Key Benefits

30–45% effective discountDepending on your marginal tax bracket.
Package multiple itemsCombine laptop, phone, monitor, and more.
GST savingsSave 10% GST if your employer passes on the ITC.
Immediate tax benefitSavings reflected in each pay cycle.

Eligibility: Items must be primarily used for work (generally >50% work use). One laptop/phone per FBT year unless replacing a lost or broken device.

Frequently Asked Questions

What equipment can I salary package?

You can salary package any work-related equipment including laptops, computers, phones, tablets, tools, software, office furniture, and accessories. The equipment must be primarily used for work (more than 50% work use).

How does the payment work?

The equipment cost is deducted from your pre-tax salary over time, typically spread over the item's useful life (3–4 years for electronics). You receive the equipment immediately but pay for it gradually through salary deductions.

Can I package multiple items at once?

Yes! You can package multiple work-related items together. For example, you could package a laptop, phone, monitor, and desk chair all at the same time. Each item's cost is deducted from your pre-tax salary.

What if I leave my job?

If you leave your job before the equipment is fully paid off, you'll typically need to pay the remaining balance. Some employers may allow you to take the equipment with you by paying the outstanding amount.

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