@nfronda, galing ng explanation mo! Took me 2 months lang at nag decide na agad ako mag salary package. Sa ospital namin, we have to speak to a financial adviser bago makapag salary package. Kasi, according to her, some people may not really understand what it's all about. At may mga tao din na hindi nakikita yung advantage. Lalo na pag wala ka naman tax binabayaran talaga dahil nasa income threshold ka. So, getting salary packaging may not be beneficial for you. Pero sabi niya pag may rental ka, may mortgage, may kotseng binabayaran at kumakain sa labas... at binigyan ka ng ganitong benefit, grab mo na talaga. 🙂
@peach17: Etong tax threshold, eto yung wala ka binabayarang tax. Ang alam ko dati $18k lang. Pero 20k na daw. This is the table I have (pero baka may updates na nito):
0-18k: NIL tax
18001 - 37000: 19c for every dollar > 18k
37001 - 80000: 3,572 + 32.5c each dollar > $37000
80001 - 180000: 17547 + 37c for each dollar > 80000
180,000: 54,547 + 47c each for each dollar > 180,000.
So, let's say, sweldo mo, $81,000, luging-lugi di ba. $1,000 na lang, bababa na ang tax bracket mo, at iba na ang tax mo!. So dito pumapasok ang salary packaging. Ang taxable income bumababa pag naka salary package ka. So, iba na tax bracket mo. Bumababa din binabayarang tax! Kaya kung pwede ipasok lahat na pwedeng ipasok as salary packaging, go! Car, house, food, travel, flights. Kaya nga nakapagtanong ako kay @nfronda kung ano pa pwede. Baka naman may maisingit pa. Ang diasadvantage nakikita ko is only if wala ka makuha advantage from availing. Like, kung wala naman tax binabayaran in the first place.
@legato09: technically, kung sino yung may benefit, siya lang pwede makakuha syempre. Pero kung dalawa kayo, even better. Individual benefit yan. So. Kunyari, rental niyo in a fortnight is $900. Salary packaging mo ang pwede ay $450 lang in a fortnight. At si misis ay $300 lang ang salary packaging sa rental. She can claim hers and you can claim yours, I believe. So, sa $900 na rental niyo, $100 lang ang taxed. Yung $800, no tax.
Pero kung ang isa lang ang may salary packaging, may max amount kasi na pwede sa rental. Yun lang talaga. PERO walang max amount sa kain sa labas. So, kahit buong angkan mo pa kumain sa labas, basta sayo nakapangalan ang account ng magbabayad, walang magtatanong niyan. Also, kung magbakasyon kayong pamilya kahit pa sa Boracay or Timbuktu, basta sa pangalan mo ang lahat ng bills, pati flights at pagkain, pwede mo yan claim as salary packaging. Walang max sa entertainment at recreation.
BUT, iba-iba kumpanya, iba-iba ang salary packaging offers. So, it is still an option kung gusto mo ba yung offer nila. It is an added benefit, and therefore you can opt no to avail.