YTD Income Annualiser
Annualise a payslip figure based on days elapsed in the financial year.
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Income Sources
View:
| Income Description | Pay Frequency | Amount | Lender Shading | Annualised | Shaded Annual |
|---|
About lender shading: Most lenders shade certain income types when assessing serviceability. Base salary and PAYG wages are typically accepted at 100%. Overtime and casual income at 50–80%. Self-employed income at 60–100% depending on documentation. Rental income is commonly shaded to 80%. These defaults are indicative only — lender policies vary. Always confirm with your broker.
Want to know your borrowing capacity?
Knowing your annualised income is the first step. Our team can assess how lenders will view your full income picture and structure your application for maximum serviceability.
Speak With a BrokerThis calculator is for indicative purposes only. Income shading rates are general defaults and will vary between lenders and individual circumstances. This tool does not constitute financial or credit advice. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).