What it does

Open Plan → Salary packaging and you get a live side-by-side calculation: your current pay breakdown vs an optimised one based on whatever you slide.

Four sliders, all optional:

• Extra salary sacrifice to super
• Extra pre-tax novated lease amount
• Extra post-tax ECM (Employee Contribution Method) for the lease
• Bonus deferred to super (one-off contribution at year-end)

Frank recomputes take-home, tax, and super contributions on every slider drag (debounced 250ms).

Concessional cap headroom

The panel watches your total concessional contributions (employer SG + your existing sacrifice + the slider's extra) against the FY cap and shows:

• Headroom remaining (green)
• Within 10% (amber)
• Breached (red — Frank flags the extra cap-tax you'd cop)

If you're carry-forward eligible (total super balance under $500k at 30 June last year), Frank factors in your unused cap from prior years.

ECM quote sanity-check

For the novated lease, there's a separate ECM calculator that takes the vehicle cost base and computes the statutory-method ECM owed. Use it to sanity-check what your packaging provider quoted — packagers occasionally use the wrong cost-base figure or apply the operating-cost method when statutory is cheaper.

Information only

This is a model, not a recommendation. Frank doesn't tell you to sacrifice more or take a lease — those are decisions that depend on your liquidity, super balance, and employer's policies. Confirm specific figures with your packaging provider before locking it in.