Hospital workers, NFP employees, PBI workers, and charity staff who salary package living expenses or meal entertainment and want to understand the real impact on their Child Care Subsidy, HELP repayments, and take-home pay.
What it calculates
Your adjusted taxable income (ATI) before and after packaging
Reportable Fringe Benefits Amount (RFBA) on your income statement
Income tax saving and Medicare levy saving
HELP / HECS repayment change
How your CCS rate is affected
Hospital vs standard employer — why it matters
Public hospitals, NFP hospitals, PBIs, and eligible charities are FBT-exempt under Section 57A. Their RFBA is reduced to 53% before being added to your ATI for CCS and FTB purposes. For standard employers, 100% of RFBA is added back — which can reduce your CCS even as your taxable income falls.
See exactly how your salary packaging changes your ATI, income tax, HELP repayments, and — most importantly — your Child Care Subsidy rate. Free for Australian families.