TranslateMore money.
Every pay cycle.
Salary packaging lets you pay for everyday expenses - rent, mortgage, dining, your car - from your pre-tax income. That means less tax, and more in your pocket every fortnight.
$15,900
Annual living cap
NFP exempt employees
$2,650
Entertainment cap
On top of living cap
$4,000+
Typical annual saving
At $80k salary
100%
Compliant & ATO-backed
No aggressive packaging
Simple. Tax-effective. Fully managed.
Instead of getting paid, paying tax, then spending what's left - salary packaging lets you spend a portion of your income before tax is calculated.
Without salary packaging
Gross salary
$80,000
Income tax paid
−$18,067
Medicare levy
−$1,600
Take-home pay
$60,333
With salary packaging (NFP employee)
Gross salary
$80,000
Pre-tax packaged
−$15,900
Taxable income
$64,100
Income tax paid
−$13,240
Estimated saving
~$4,800/yr
Indicative only. Actual savings depend on your circumstances and employer type.
Talk to our team
We confirm your eligibility and explain which benefits apply - in plain English, no jargon.
We handle the setup
We prepare all agreements and liaise with your employer's payroll team. You sign, we do the rest.
Watch your take-home grow
Pre-tax deductions start from your next pay cycle, and we're here for support all year round.
What can you actually package?
Eligibility depends on your employer type. Our team will tell you exactly what applies to you - no guessing.
Everyday Living
$15,900/yrNFP / PBI & rebatable only
Package rent, mortgage repayments, credit cards, personal loans or load it to your EML Visa card for groceries and everyday spend.
Learn more
Entertainment Benefit
$2,650/yr extraNFP / PBI & rebatable only
Dine out, attend events, go to the theatre or enjoy a round of golf - all paid from pre-tax salary. Stacks on top of your living cap.
Learn more
Novated Lease
All employer typesAll employer types
Drive any car you choose - repayments and running costs (fuel, insurance, maintenance) all packaged pre-tax through a three-way arrangement.
Learn more
Portable Devices
1 device / FBT yearAll employer types
Laptops, tablets and phones used primarily for work are an exempt benefit - no FBT applies. One device per FBT year, no set dollar limit.
Learn more
Professional Fees
Exempt benefitAll employer types
Professional memberships, registrations and subscriptions directly relevant to your current role can be packaged pre-tax.
Learn moreAccess your benefits with one card
NSP issues all eligible employees with an EML prepaid Visa card - the most widely accepted salary packaging card in Australia.
Your salary packaging card
As an NSP client you receive an EML prepaid Visa card - Australia's leading salary packaging card solution. Access your tax-free funds instantly, earn merchant discounts and manage everything from your phone.
7,500+
merchant discounts
One card, multiple accounts
A single EML card accesses your general living and meal & entertainment accounts simultaneously - no juggling multiple cards.
7,500+ merchant discounts
Instant discounts and rewards at over 7,500 Australian merchants, automatically applied at point of sale.
Mobile app & self-service portal
Track your balance, view transactions and manage your account anytime via the EML mobile app or online portal.
Spend controls built in
ControlPay technology ensures your meal & entertainment account can only be used at eligible merchants - fully ATO compliant.
Physical & virtual card
Use your EML card in-store or add it to Apple Pay or Google Pay for contactless payments wherever Visa is accepted.
Real-time reloading
Funds are loaded to your card each pay cycle and available instantly - no delays, no manual top-ups.
EML cards are issued by EML Payment Solutions Ltd AFSL 404131 and are subject to EML's terms and conditions. NSP administers the salary packaging program; EML issues and manages the card.
Get your cardYour money works harder - every day
Real expenses, real savings - the life you already live, costing you less.
Novated lease
Healthcare workers
Remote area travel
More benefits
We don't just set it up. We maximise it.
Real money in your pocket
We actively identify every benefit you qualify for and make sure you're using all of it.
Fast, simple setup
Most employees are set up within days. We handle everything with your employer's payroll team.
Your interests first
We explain everything in plain language and will always tell you if a benefit isn't right for you.
Ongoing support, always
We're here all year - whether you need to update your packaging or ask questions at tax time.
Real people. Real savings.
See what our clients say about their experience with NSP.
“First time leasing a vehicle and going through the process, so I was very green with it all. Brett explained everything in terms the average Joe could understand. Both Brett and Todd showed politeness and professionalism, paired with their easy going personalities made the interactions effortless. If looking at getting the benefits of leasing would recommend NSP.”
Thomas Royle
Boiler Maker · M2P Engineering
“Todd was seamless from start to finish. Being a busy man and successful business owner he always took my calls, txts and emails were always responsive.”
Troy Stein
Business Owner
Not sure what you're eligible for?
Answer 5 quick questions and the NSP Advisor will recommend the best benefits for your situation - with savings estimates, instantly.
Check what you may be able to package
Complete this form and a member of our team will be in touch to explain your options. There is no obligation to proceed.
