Here’s what happens once you've set up a Maxxia salary packaging account:

• each pay cycle, your employer's payroll department deducts a nominated portion of your salary before tax is applied – and sends those funds to us; 
• you can then use these funds to pay for your chosen benefits; 
• the rest of your salary gets taxed. However, because some of your salary has been taken out (to pay for your chosen expenses), you may be taxed on a lower amount; and 
• your post-tax salary is then deposited into your bank account as usual. 

By getting taxed on a lower amount and effectively paying less tax, your disposable income could be increased. This could leave you with more to spend after each pay cycle.

No, we take care of the hassles so you enjoy the benefits. After we set up your salary packaging arrangements, we also manage them for you. This means that we pay for your nominated expenses on your behalf – using your pre-tax dollars. No more juggling bills and due dates!

In exchange for managing your salary packaging account, we charge an administration fee that is dependent on the benefit and agreed upon with your employer. All fees are paid out of your pre-tax dollars and don’t attract Fringe Benefits Tax.

Maxxia App / Maxxia Online

While we pay for your expenses on your behalf, it’s important you know what's being paid and how much is in your salary packaging account at any time. The Maxxia app and Maxxia Online (desktop) are accessible 24/7 and allow you to:

• view your transactions, including the breakdown of the deduction from your payslip;
• view your account balance;
• change your details; and
• submit reimbursement claims.

Employers offer salary packaging to reward staff for their loyalty and hard work, but it’s not a benefit offered by all companies. So if you’re one of the lucky ones, we’ll take you through the many advantages of salary packaging.

Potentially reduce your taxable income

We all want to pay less tax, right? With salary packaging you potentially can, by paying for some expenses with your pre-tax wage.

When you salary package, you’re still paying for your usual expenses, but with pre-tax dollars – meaning you are reducing your taxable income and, in turn, potentially increasing your disposable income.

Enjoy more spending money

At each pay cycle you could have more money to spend on the things you want – such as new clothes or a well-deserved weekend away. The choice is yours.

Save on the cost of running your car

By salary packaging a car through novated leasing, you could reduce the cost of keeping your vehicle on the road – and, perhaps, finally afford your dream wheels. Basically you bundle the lease and the car’s running costs (including fuel, registration, insurance, servicing and maintenance) into one regular payroll deduction. And because you’re using a combination of pre- and post-tax dollars, you’re not only saving time but money, too. You don’t need a huge income to benefit, and you can package a new or used car, or even your existing vehicle (if eligible).