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{"sheet":"Serviceability Calculator","index":0,"n_rows":406,"n_cols":11,"rows_kept":406,"cut":false,"hidden":false,"merged":[[102,1,102,5],[127,1,127,5],[133,1,133,5],[143,1,143,5],[41,1,41,5],[51,1,51,5],[76,1,76,5],[82,1,82,5],[92,1,92,5],[411,1,411,5],[406,1,406,5],[407,1,407,5],[408,1,408,5],[409,1,409,5],[410,1,410,5],[237,1,238,1],[229,1,229,5],[235,1,235,5],[245,1,245,5],[4,1,4,5],[33,1,34,1],[84,1,85,1],[135,1,136,1],[186,1,187,1],[17,1,17,5],[68,1,68,5],[119,1,119,5],[170,1,170,5],[221,1,221,5],[25,1,25,5],[31,1,31,5],[323,1,323,5],[405,1,405,5],[354,1,354,5],[376,1,376,5],[327,1,327,5],[337,1,337,5],[329,1,330,1],[325,2,325,4],[153,1,153,5],[178,1,178,5],[184,1,184,5],[204,1,204,5],[194,1,194,5],[255,1,255,5],[280,1,280,5],[286,1,286,5],[296,1,296,5],[306,1,306,5],[272,1,272,5],[288,1,289,1]]}
[null,null,null,null,null,{"$f":"\"Version: \"&vVersion","v":"Version: 1.00 (11 Dec 2023)"}]
[null,null,null,null,null,null,null,"Print Option included"]
[]
[]
[null,"Loan Details",null,null,null,null,null,"26 April Notes","2nd May","10th May"]
[]
[null,"Loan Amount",null,"Security Value",null,null,null,"Validate Loan Amount can not be more than Security \"Loan Amount can not be more than the Security Value\""]
[]
[null,"Term (months)",null,"Actual Rate (%)"]
[]
[null,"Repayment Type",null,"I/O Period (years)",null,null,null,null,"P&I default to zero for I/O (display as N/A)"]
[]
[null,"Regulated Loan",null,"Purpose of Loan",null,null,null,"\"Residential Loan\" changed to \"Type of Loan\" with \"RMDS or CMDS\" options"," \"Loan Type\" Removed with \"Regulated Loan\" now driving \"Buffer\" selection, & \"Purpose of Loan\" included - \"Purchase\" / \"Refinance\" / \"Other\""]
[]
[null,"Number of Individuals",null,"Company Income Used",null,null,null,null,"These moved to End and leading into Applicant/Company Details"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A18)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 1"},null,null,null,null,null,null,null,"Applicant default to colapsed"]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A18)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant",null,null,null,null,"Joint with Applicant Default to zero if not Couple (display as N/A)"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)",null,null,null,null,null,null,"Rental Income Double Click Issue repaired"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A69)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 2"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A69)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A120)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 3"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A120)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A171)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 4"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A171)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A222)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 5"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A222)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A273)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 6"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A273)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[null,"Company Details",null,null,null,null,null,null,null,"Company default to colapsed"]
[]
[null,"Company Name"]
[]
[null,"Income  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[null,"Commitments (Monthly)"]
[]
[null,"Number of Commitments",null,null,null,null,null,"If Zero then Commitments cleared"]
[]
[null,null,"Commitment","Repayment Amount","Commitment Limit",null,null,"If repayment blank then use Benchmark 30 years 5.25%"]
[null,"Commitment 1"]
[null,"Commitment 2"]
[null,"Commitment 3"]
[null,"Commitment 4"]
[null,"Commitment 5"]
[null,"Commitment 6"]
[null,"Commitment 7"]
[null,"Commitment 8"]
[null,"Commitment 9"]
[null,"Commitment 10"]
[]
[null,"Total Credit Card Limits"]
[]
[null,"Declared Living Costs",null,"Benchmark Living Costs",{"$f":"vHEM_Amount","v":0},null,null,"Benchmark Living Costs included",null,"HEM Bug, Poscode Calcs"]
[]
[]
[]
[null,"Serviceability Calculation",null,null,null,null,null,null,null,null,"Calculation Notes"]
[]
[null,"Actual","Annual","Assessment","Annual"]
[]
[null,"Gross Income",{"$f":"Calculations!C33+Calculations!C66+Calculations!C35","v":0},"Gross Income",{"$f":"C381","v":0},null,null,null,null,null,"Taxable Income and Non-Taxable Income for Applicants and Company"]
[]
[null,"Taxable Income",{"$f":"Calculations!C33+Calculations!C66","v":0},"Taxable Income",{"$f":"C383","v":0},null,null,null,null,null,"Taxable Gross Annual Income for Applicants and Company"]
[]
[null,"Net Income",{"$f":"Calculations!C37+Calculations!C69","v":0},"Net Income",{"$f":"C385","v":0},null,null,null,null,null,"Net Annual Income for Applicants and Company"]
[]
[null,"Total Commitments",{"$f":"Calculations!D84","v":0},"Other Commitments",{"$f":"Calculations!C84","v":0},null,null,null,null,null,"Total Commitments Calculated"]
[]
[null,"Living Costs",{"$f":"Calculations!D85","v":0},"Living Costs",{"$f":"Calculations!C85","v":0},null,null,null,null,null,"Actual Living Costs and HEM"]
[]
[null,"Net Available Income",{"$f":"IF(C385-C387-C389<0,0,C385-C387-C389)","v":0},"Net Available Income",{"$f":"IF(E385-E387-E389<0,0,E385-E387-E389)","v":0},null,null,null,null,null,"Net Income - Commitments - Living Costs"]
[]
[null,"Proposed Repayments",{"$f":"IF(ISERROR(vRepayments),0,vRepayments)","v":0},"Proposed Repayments",{"$f":"IF(ISERROR(vAssessed_Repayments),0,vAssessed_Repayments)","v":0},null,null,null,null,null,"Assessment takes I/O period into account"]
[]
[null,"Net Disposable Income",{"$f":"IF(C391-C393<0,0,C391-C393)","v":0},"Net Disposable Income",{"$f":"IF(E391-E393<0,0,E391-E393)","v":0},null,null,null,null,null,"Net Available Income - Proposed Repayments"]
[]
[null,null,null,{"$f":"IF(vResidential,\"NDI\",\"NDI\")&\" Ratio\"","v":"NDI Ratio"},{"$f":"IF(vResidential,vAssessed_NDI,vAssessed_NDI)","v":"1.00 : 1"},null,null,null,null,"NDI always, no DSC","NDI = (Assessment Net Income - Living Costs) / (Assessment Commitments + Proposed Repayments)"]
[null,null,null,null,null,null,null,null,null,null,"DCS = Net Income Assessment / (Commitments Assessment + Proposed Repayments)"]
[null,null,null,"DTI Ratio",{"$f":"vAssessed_DTI","v":"1.0"},null,null,null,null,null,"Total Loan Limits / ( Total Income Actual + Income Addbacks )"]
[]
[null,null,null,"LVR",{"$f":"vLVR","v":0},null,null,null,null,null,"Application Loan Amount / Application Details Security Value"]
[]
[null,null,null,"Maximum Loan Amount",{"$f":"-PV((vLoan_Rate+vBuffer)/12,(vLoan_Term-IF(bIO,vLoan_IOPeriod,0)*12),vAssessed_Available_Income/12)","v":0},null,null,null,null,null,"Excel PV Formula using : Interest = (Loan Actual Rate + Buffer entered), Application Loan Term in Years with I/O adjustment if applicable, Net Available Income Assessment"]
[]
[]
[null,"Notes  (Optional)",null,null,null,null,null,"Notes Included"]

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[null,"Administration"]
[]
[null,"Version","1.00 (11 Dec 2023)"]
[]
[null,"Parameter","Regulated","Unregulated"]
[null,"Buffer",0.03,0.03]
[null,"Buffer (for Refinance)",0.03,0.03,null,null,"Purpose of Loan Refinance Buffer included"]
[null,"Floor Rate",0.06,0.06]
[null,"Interest Gearing",3.7499999999999999E-2,3.7499999999999999E-2]
[null,"Credit Card Rate",3.7999999999999999E-2,3.7999999999999999E-2]
[null,"Loan Term (years)",30,30]
[null,"Rental Shading",0.8,0.8]
[null,"Property Expense %",0,0,null,null,"Property Expense % included"]
[]
[null,"PAYG","Taxable Income from","% on Excess","Income Tax"]
[null,null,0,0,0]
[null,null,18200,0.19,{"$f":"(C18-C17)*D17+E17","v":0}]
[null,null,45000,0.32500000000000001,{"$f":"(C19-C18)*D18+E18","v":5092}]
[null,null,120000,0.37,29467]
[null,null,180000,0.45,51667]
[]
[null,"Medicare",0.02]
[]
[null,"Company Tax Rate",0.25]

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["Categories",null,null,"HEM","Gross Income (from)"]
["Region","Household","Dependents",null,0,24000,36000,48000,59000,71000,95000,119000,143000,166000,190000,238000,297000,357000]
[]
[]
[null,null,null,"Australia"]
["Australia","Couple",0,"Couple",0,532.42973384371567,547.51941906492004,567.05290633065761,602.69592692681624,656.01041965608351,733.01513219276899,799.16985722062418,886.7218959544673,924.11453048820385,977.11351891557911,1082.8643933617741,1193.9326116365705,1251.3499709853943]
["Australia","Couple",1,"Couple with 1 child",0,0,630.8434875320396,650.42382151863706,686.15236478677889,739.59483166203495,816.78429426848982,883.09778762597909,970.85994136652039,1008.342306207358,1061.4684751762206,1167.473117739014,1278.807864046918,1336.3630066076378]
["Australia","Couple",2,"Couple with 2 children",0,0,695.31829652238127,714.88371606260012,750.5850704587267,803.98686391838862,881.11756683413751,947.38056148763496,1035.0759254181264,1072.5297389573395,1125.6154661722164,1231.5394137826154,1342.789407651042,1400.3007004790463]
["Australia","Couple","3 and above","Couple with 3 children",0,0,0,776.36998186169342,812.07061459768408,865.47136032090373,942.60067554730051,1008.8624153789758,1096.5561186230327,1134.0091499654882,1187.093963064078,1293.0159047934928,1404.2637919216377,1461.773959191642]
[null,""]
["Australia","Single",0,"Single person",272.51336479239524,287.22192057292256,302.33916563665485,321.9082870717744,357.61636310064671,411.0281742488645,488.17343533646613,554.4488964628373,642.16077114032487,679.62161801725483,732.71733988831295,838.66126668664845,949.9322424984399,1007.454326726418]
["Australia","Single",1,"Single parent with 1 child",0,379.86779023505159,394.95467916735311,414.48447812536591,450.12080933233534,503.42531884913882,580.41563540425602,646.55796157633597,734.09362752685888,771.47916285205145,824.46825450046094,930.19932709911575,1041.2467287380782,1098.6533268063242]
["Australia","Single",2,"Single parent with 2 children",0,495.37900719699513,510.62176819550018,530.35343203295929,566.35804215060011,620.21342000973357,697.99935513696585,764.82522035492696,853.26549357844169,891.03740311968397,944.57414024409684,1051.3978397295507,1163.5928827036455,1221.5926680459936]
["Australia","Single","3 and above","Single parent with 3 children",0,0,635.44638296274047,655.59792856069703,692.36863356370191,747.36992938701917,826.81094125600953,895.05870643028857,985.38076547475964,1023.9563927283655,1078.6323054387019,1187.7289287860578,1302.3112605168267,1361.5450721153843]
[]
[]
[null,null,null,"Sydney"]
["Sydney","Couple",0,"Couple",0,518.60306705539699,533.69278868479478,553.22623954233893,588.86926013849757,642.18378927595813,719.18850181264361,785.34324504459551,872.89526557434203,910.28790010807847,963.28688853545373,1069.0377629816487,1180.1059812564454,1237.5233406052689]
["Sydney","Couple",1,"Couple with 1 child",0,0,615.1903222925265,634.77065627912395,670.49919954726579,723.94164817474109,801.13114727675736,867.44462238646588,955.20677612700729,992.68914096784499,1045.8153099367078,1151.8199524995009,1263.1546988074049,1320.7098048725632]
["Sydney","Couple",2,"Couple with 2 children",0,0,680.66526921750688,700.23069787467045,735.93204315385219,789.33383661351411,866.46453952926299,932.72753418276045,1020.4228981132519,1057.876711652465,1110.9624571012318,1216.8864047116308,1328.1363985800569,1385.6476549402821]
["Sydney","Couple","3 and above","Couple with 3 children",0,0,0,765.59105796007225,801.29176363024078,854.69250935346042,931.82175164567934,998.08349147735476,1085.7771947214117,1123.2302989980446,1176.3150209289124,1282.2369626583272,1393.4848862535612,1450.9950535235653]
[null,""]
["Sydney","Single",0,"Single person",258.01615678538991,272.72469432859458,287.84193483299617,307.41106082744642,343.11913229698803,396.53094344520582,473.67620453280745,539.95168389650121,627.6635403366663,665.12438721359615,718.22014555929968,824.16403588298965,935.43502993210393,992.95711416008203]
["Sydney","Single",1,"Single parent with 1 child",0,365.13456791034946,380.22143864196607,399.75126945117739,435.38760065814688,488.69211927529273,565.68239942904029,631.82472560112035,719.36039155164326,756.74596327820529,809.7350185252451,915.4660911238999,1026.5135291642323,1083.9200544297387]
["Sydney","Single",2,"Single parent with 2 children",0,479.04665597143543,494.28946294188393,514.0210808073997,550.02569092504029,603.88106878417398,681.66699471701747,748.49285993497847,836.93315154727065,874.70507947729038,928.2417982129258,1035.065516087157,1147.2605222836971,1205.2603076260452]
["Sydney","Single","3 and above","Single parent with 3 children",0,0,617.28897329477161,637.44039212740381,674.21109713040858,729.21238356370202,808.65341421274047,876.90117938701917,967.22327599158643,1005.7989032451924,1060.4748159555288,1169.5714768629807,1284.1536959134614,1343.3875826322114]
[]
[]
[null,null,null,"Balance of NSW"]
["Balance of NSW","Couple",0,"Couple",0,547.6036494203338,562.69336194768334,582.22682190727596,617.86983340138624,671.18433523270164,748.18904776938712,814.34377279724242,901.89588434747236,939.28842786072539,992.28741628810064,1098.0383089383924,1209.1066000295757,1266.5238865620124]
["Balance of NSW","Couple",1,"Couple with 1 child",0,0,644.26046024050697,663.84078510321433,699.56932837135594,753.01180437050232,830.20126697695719,896.51474208666593,984.27691407498787,1021.7592606680449,1074.8854478846881,1180.8900904474815,1292.2248367553857,1349.779979316105]
["Balance of NSW","Couple",2,"Couple with 2 children",0,0,709.71326870268467,729.27873382762778,764.98005175597484,818.38184521563676,895.51254813138576,961.7755427848831,1049.470888481485,1086.9247202545878,1140.0104292355752,1245.9343768459742,1357.1844071821799,1414.6957364779637]
["Balance of NSW","Couple","3 and above","Couple with 3 children",0,0,0,794.63850736350651,830.3392221504472,883.73996787366684,960.86921016588576,1027.1310229317389,1114.8247079422513,1152.2777392847067,1205.3624794491188,1311.2844211785336,1422.5323812408565,1480.0425849779494]
[null,""]
["Balance of NSW","Single",0,"Single person",287.06964804697958,301.77818103085349,316.89542609458579,336.46455208903603,372.17261899924699,425.58444838478744,502.72970947238906,569.00517971742158,656.71705439490916,694.17788303451641,747.27362314289735,853.21749522926461,964.48850751570149,1022.0105917436797]
["Balance of NSW","Single",1,"Single parent with 1 child",0,394.12968762496257,409.21658110743533,428.74637096510571,464.38271127241757,517.68722078922099,594.67749184262618,660.81985441607583,748.35548396522904,785.74107389247615,838.73016554088554,944.46120173817064,1055.508639778503,1112.9151650440097]
["Balance of NSW","Single",2,"Single parent with 2 children",0,508.34140349376833,523.58421046421677,543.31582832973254,579.3204476417618,633.17586227845015,710.96178821129377,777.78765342925476,866.22794504154706,903.99987297156667,957.53653654086997,1064.3602728038786,1176.5552790004188,1234.5551378978764]
["Balance of NSW","Single","3 and above","Single parent with 3 children",0,0,647.20700307992797,667.35846416766822,704.12917856069703,759.13054950420667,838.57158954326928,906.81931715745191,997.14145132211536,1035.7170597956731,1090.392822265625,1199.4895582932695,1314.07177734375,1373.3058143028843]
[]
[]
[null,null,null,"Melbourne"]
["Melbourne","Couple",0,"Couple",0,539.71634224063246,554.806054767982,574.33951472757462,609.98252622168491,663.2970280530003,740.30174058968578,806.45650202573449,894.00854075957761,931.40115708921735,984.40016372068942,1090.1510199627876,1201.2192746457777,1258.6365611782146]
["Melbourne","Couple",1,"Couple with 1 child",0,0,636.3542260580881,655.93458741635664,691.66313980838879,745.10557018808345,822.29506929009972,888.60854439980824,976.3707163881304,1013.8530082378453,1066.9792501978307,1172.9838745128434,1284.3186573163086,1341.8737268859056]
["Melbourne","Couple",2,"Couple with 2 children",0,0,701.81306217730003,721.37851818529873,757.07986346448047,810.48159310552819,887.61236895683612,953.87536361033347,1041.5707275408251,1079.024468144479,1132.1102682949154,1238.0342159053141,1349.2842097737405,1406.7955026017451]
["Melbourne","Couple","3 and above","Couple with 3 children",0,0,0,786.73847779458936,822.43911964735241,875.83993830474981,952.96918059696873,1019.230920428644,1106.924623672701,1144.377727949334,1197.4624681137464,1303.3844098431612,1414.632296971306,1472.1424642413103]
[null,""]
["Melbourne","Single",0,"Single person",279.16794500034723,293.87648254355184,308.9937412852762,328.56284904240368,364.27091595261464,417.68274533815514,494.82800642575677,561.10347667078929,648.81535134827686,686.27617998788412,739.37192009626506,845.31581041995503,956.5868227063919,1014.10890693437]
["Melbourne","Single",1,"Single parent with 1 child",0,386.24386325090302,401.33075218320454,420.86055114121734,456.49688234818683,509.80139186499019,586.79170842010751,652.93404369252983,740.469691442368,777.8552449682453,830.8443366166548,936.57542741599445,1047.622829054957,1105.0293907218334]
["Melbourne","Single",2,"Single parent with 2 children",0,500.37411630011098,515.6168864930047,535.34854113607526,571.35316044810452,625.2085383072382,702.9944642400817,769.82032945804269,858.26062107033488,896.03251222279971,949.56924934721258,1056.3929672214438,1168.5880101955388,1226.5877955378869]
["Melbourne","Single","3 and above","Single parent with 3 children",0,0,639.07015286959131,659.2216796875,695.99240347055286,750.99369929387035,830.43469238281261,898.68244816706738,989.00456355168262,1027.5801344651441,1082.2560471754807,1191.3526893028845,1305.9350210336538,1365.1688701923076]
[]
[]
[null,null,null,"Balance of VIC"]
["Balance of VIC","Couple",0,"Couple",0,576.46760093751675,591.55732256691465,611.09077342445869,646.73379402061744,700.04829585193295,777.05300838861842,843.20773341647362,930.75980855851014,968.15242488814999,1021.1514133155252,1126.9022877617201,1237.9705060365168,1295.3878289771469]
["Balance of VIC","Couple",1,"Couple with 1 child",0,0,673.19367596616542,692.77404644832427,728.50258971646599,781.94499272448968,859.13452832206724,925.44800343177587,1013.2101754200978,1050.692449022032,1103.8186909820174,1209.8233335448108,1321.1581163482763,1378.713185917873]
["Balance of VIC","Couple",2,"Couple with 2 children",0,0,738.62450489785397,758.18992443807281,793.89123324947479,847.29299024135742,924.42376609266535,990.6867789800524,1078.382124676654,1115.8358835141978,1168.9216836646342,1274.8456312750329,1386.0956251434593,1443.6068815036845]
["Balance of VIC","Couple","3 and above","Couple with 3 children",0,0,0,823.54919606681756,859.24981968603606,912.65065657697789,989.77988063565238,1056.0416387008722,1143.7353237113846,1181.1884462215621,1234.2731499188856,1340.1950916483004,1451.4430152435341,1508.9531825135384]
[null,"",null,null,null,null,{"$f":"G56*52","v":38408.474254688408},{"$f":"ROUND(G56,0)*52","v":38428}]
["Balance of VIC","Single",0,"Single person",315.98628643897501,330.69482398217963,345.81208272390393,365.38119048103152,401.08928018789578,454.50109133611363,531.64635242371514,597.92182266874761,685.63369734623541,723.09452598584255,776.19024785690078,882.13413818059075,993.40516870435033,1050.9272529323284]
["Balance of VIC","Single",1,"Single parent with 1 child",0,422.98823850082829,438.07513198330099,457.60492184097137,493.2412530479408,546.54576256474422,623.5360791198616,689.67840529194143,777.21407124246446,814.59960656765691,867.58871641675114,973.31973441335151,1084.3672088550534,1141.77373412056]
["Balance of VIC","Single",2,"Single parent with 2 children",0,537.49822599124127,552.74098698974615,572.47265082720537,608.47726094484619,662.33263880397965,740.11857393121193,806.94443914917292,895.38473076146522,933.15662191392994,986.69335903834292,1093.5170769125739,1205.712083109114,1263.711905229017]
["Balance of VIC","Single","3 and above","Single parent with 3 children",0,0,676.98415902944703,697.13571401742786,733.90641902043285,788.90771484375,868.34872671274036,936.59649188701917,1026.9185884915867,1065.4941781850962,1120.1700721153848,1229.2667893629805,1343.8489708533652,1403.0829326923076]
[]
[]
[null,null,null,"Brisbane"]
["Brisbane","Couple",0,"Couple",0,510.93731283453786,526.02699805574241,545.56048532147986,581.20349681559026,634.51800774895401,711.52272028563959,777.6774453134949,865.22952045553131,902.62206396878435,955.62112521254642,1061.3719814546448,1172.4402361376347,1229.8575226700714]
["Brisbane","Couple",1,"Couple with 1 child",0,0,607.50613622929575,627.08646109200288,662.81501348403503,716.25745298762001,793.44695208963628,859.76046369490621,947.52263568322826,985.00490928516251,1038.1310782540254,1144.1357390645994,1255.470558363626,1313.0256279332227]
["Brisbane","Couple",2,"Couple with 2 children",0,0,672.98693266250109,692.55235220272004,728.25369748190155,781.65545447378406,858.78623032509199,925.04922497858922,1012.7445889090808,1050.198329512735,1103.2840567276121,1209.2080043380111,1320.4581076097757,1377.9693639700008]
["Brisbane","Couple","3 and above","Couple with 3 children",0,0,0,757.91285769289482,793.61352689597459,847.01427261919412,924.1435878455909,990.4053276772662,1078.099030921323,1115.552080497323,1168.6368024281908,1274.5588170917831,1385.8067042199282,1443.3168714899323]
[null,""]
["Brisbane","Single",0,"Single person",250.33637232045373,265.04490758399305,280.16216632571741,299.73127408284489,335.4393501117172,388.851161259935,465.99642234753657,532.2719290672145,619.98376727005677,657.44459590966392,710.54035425536756,816.48424457905764,927.75518391620358,985.27730461882709]
["Brisbane","Single",1,"Single parent with 1 child",0,357.47020946950499,372.55709840180651,392.08691556050417,427.72324676747365,481.02775628427707,558.01803643802452,624.16036261010458,711.6960285606275,749.08160028718976,802.07065553422945,907.8017099321994,1018.849220775271,1076.2557460407777]
["Brisbane","Single",2,"Single parent with 2 children",0,471.3030958379685,486.54589361402833,506.27752067393277,542.28213079157342,596.13750865070699,673.92342538916182,740.74934577345505,829.18958221941523,866.96152853821218,920.49819210751548,1027.3218915929692,1139.5170081221738,1197.5167934645219]
["Brisbane","Single","3 and above","Single parent with 3 children",0,0,609.380615234375,629.53206693209131,666.30277193509608,721.30406775841357,800.74507962740392,868.99295748197119,959.31494140625011,997.89060621995191,1052.56640625,1161.6630483774038,1276.2454176682695,1335.4793043870195]
[]
[]
[null,null,null,"Balance of QLD"]
["Balance of QLD","Couple",0,"Couple",0,553.23119105664034,568.32086717579648,587.85436354358239,623.49737503769279,676.81187686900819,753.81658940569366,819.97131443354886,907.5233895755855,944.91593308883841,997.9149943326006,1103.6658869828923,1214.7341052576887,1272.1513917901257]
["Balance of QLD","Couple",1,"Couple with 1 child",0,0,649.90150616838184,669.48183103108897,705.21037429923081,758.65281380281579,835.84234940039335,902.15582451010198,989.91799649842392,1027.4002701003583,1080.5264573170016,1186.531099879795,1297.8659191788217,1355.4209887484187]
["Balance of QLD","Couple",2,"Couple with 2 children",0,0,715.35002044191265,734.91544909907634,770.61679437825796,824.01856048708532,901.14933633839325,967.41233099189049,1055.1076766884923,1092.5614355260361,1145.6471809748032,1251.5711650529815,1362.8211953891873,1420.3324517494125]
["Balance of QLD","Couple","3 and above","Couple with 3 children",0,0,0,800.27518882669892,835.97583067946186,889.37657640268151,966.50589162907829,1032.7676314607536,1120.4613347048105,1157.9143660472657,1210.9991609123113,1316.9211026417261,1428.1689897698711,1485.6791935069641]
[null,""]
["Balance of QLD","Single",0,"Single person",292.70744052237671,307.41598034524662,322.53323908697098,342.10234684409852,377.81041375430942,431.22222490252727,508.3674859901289,574.64299270980678,662.35486738729446,699.81565955225631,752.91143613528254,858.85530822164981,970.12628403344127,1027.6483682614194]
["Balance of QLD","Single",1,"Single parent with 1 child",0,399.75617908591482,414.84306801821629,434.37285787588672,470.00919818319858,523.31370770000206,600.30398785374962,666.44630492548708,753.98197087601011,791.36756080325711,844.35661605029691,950.0876522475819,1061.1351630906536,1118.5416883561602]
["Balance of QLD","Single",2,"Single parent with 2 children",0,514.02603658290786,529.26884355335631,549.00046141887219,585.00508073090157,638.86045859003502,716.64638452287863,783.47228651839441,871.91257813068671,909.68446928315154,963.22113285245473,1070.0448691154634,1182.2399488671131,1240.2397342094614]
["Balance of QLD","Single","3 and above","Single parent with 3 children",0,0,653.01259202223548,673.16405310997607,709.93476750300488,764.93606332632203,844.37709397536048,912.62494365985572,1002.9470402644231,1041.5225736177886,1096.1983736478364,1205.2951096754807,1319.8774038461538,1379.1112905649038]
[]
[]
[null,null,null,"Adelaide"]
["Adelaide","Couple",0,"Couple",0,552.12205185312826,567.21177348252616,586.74522434007042,622.38824493622906,675.7027376654961,752.7074502021818,818.862175230037,906.41428678026682,943.80684849761667,996.80583692499192,1102.5567113711868,1213.62500246237,1271.042288994807]
["Adelaide","Couple",1,"Couple with 1 child",0,0,648.78970538719307,668.37003937379075,704.09858264193235,757.54106776496906,834.73053037142392,901.04400548113267,988.80615922167385,1026.2885240625117,1079.4146930313743,1185.4193355941677,1296.7540819020717,1354.3092609583525]
["Adelaide","Couple",2,"Couple with 2 children",0,0,714.23907512466781,733.80453113266606,769.50584906101301,822.90764252067504,900.03834543642404,966.30134008992127,1053.9967040204128,1091.450517559626,1144.536263008393,1250.4602106187917,1361.7102044872181,1419.2215337830021]
["Adelaide","Couple","3 and above","Couple with 3 children",0,0,0,799.16421896355587,834.86493375049668,888.2656794737162,965.39492176593512,1031.6567345317885,1119.3504377758452,1156.803487351845,1209.8881910491684,1315.8101327785832,1427.0581293079947,1484.5682965779988]
[null,""]
["Adelaide","Single",0,"Single person",291.59628376347388,306.30483954400125,321.42208004840285,340.99120604285309,376.6992775123947,430.1111068979352,507.25636798553683,573.5318473492307,661.24370378939568,698.70451419168012,751.80027253738376,857.74416286107373,969.0151569101879,1026.5372411381661]
["Adelaide","Single",1,"Single parent with 1 child",0,398.64725230974403,413.73414579221674,433.26393564988717,468.90026685685655,522.20477637366002,599.19506562775007,665.33742820119971,752.87305775035293,790.25862947691508,843.24772112532446,948.97875732260957,1060.026195362942,1117.4327206284486]
["Adelaide","Single",2,"Single parent with 2 children",0,512.90565434810333,528.1484521241631,547.88007918406754,583.88468930170825,637.7401039383966,715.5260298712401,782.35189508920109,870.79218670149339,908.56411463151301,962.10079658959376,1068.9245144638248,1181.119520660365,1239.1193795578229]
["Adelaide","Single","3 and above","Single parent with 3 children",0,0,651.86835186298072,672.01983173076917,708.79053673377416,763.79190767728369,843.23292893629809,911.48065655048072,1001.8027907151442,1040.37841796875,1095.0542179987983,1204.1509164663462,1318.7331355168269,1377.9671724759617]
[]
[]
[null,null,null,"Balance of SA"]
["Balance of SA","Couple",0,"Couple",0,512.59041775348032,527.68013028082987,547.21359024042226,582.85660173453255,636.17110356584817,713.17581610253364,779.33057753858225,866.88261627242537,904.2752326020651,957.27423923353717,1063.0250954756355,1174.0933501586253,1231.5106366910622]
["Balance of SA","Couple",1,"Couple with 1 child",0,0,609.16320806883357,628.74356942710199,664.47212181913414,717.9145521988288,795.10405130084496,861.41752641055371,949.17969839887564,986.66199024859066,1039.7882322085761,1145.7928565235886,1257.1276393270541,1314.6827088966509]
["Balance of SA","Couple",2,"Couple with 2 children",0,0,674.64274307301116,694.20819908100952,729.909553477136,783.31131046901839,860.4420498525468,926.70504450604426,1014.4004084365357,1051.8541490401897,1104.9399491906258,1210.8638968010248,1322.1138906694512,1379.6251834974557]
["Balance of SA","Couple","3 and above","Couple with 3 children",0,0,0,759.56867321442473,795.26931506718768,848.67013372458507,925.79937601680399,992.0611158484794,1079.7548190925363,1117.2078504349915,1170.2926635335816,1276.2146052629964,1387.4624923911413,1444.9726596611456]
[null,""]
["Balance of SA","Single",0,"Single person",251.99251043448243,266.70104797768704,281.8183067194114,301.38741447653888,337.09548138674984,390.5073107722904,467.65257185989196,533.92804210492443,621.63991678241212,659.10074542201937,712.1964855304002,818.14037585409028,929.41138814052704,986.93347236850525]
["Balance of SA","Single",1,"Single parent with 1 child",0,359.12304096146448,374.20991169308115,393.73971065109401,429.37604185806339,482.68055137486687,559.67086792998407,625.8132032024065,713.34885095224456,750.73440447812197,803.72349612653136,909.45455052450131,1020.5019885648336,1077.9085502317098]
["Balance of SA","Single",2,"Single parent with 2 children",0,472.97299910209136,488.21576929498497,507.94743313244425,543.9520432500849,597.80742110921847,675.59334704206208,742.41921226002296,830.85950387231526,868.63143180233487,922.16813214919296,1028.9918500234241,1141.186892997519,1199.1866783398673]
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[null,null,null,"Perth"]
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["Perth","Single","3 and above","Single parent with 3 children",0,0,570.94871638371399,591.10017277644238,627.87087777944703,682.87223933293262,762.31327937199535,830.56099759615392,920.88313176081726,959.45875901442309,1014.1345590444711,1123.2313138521636,1237.8135141225962,1297.0474008413464]
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[null,null,null,"Balance of WA"]
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["Balance of WA","Couple",2,"Couple with 2 children",0,0,686.24222291532647,705.80768804026968,741.50904243639616,794.91076296049914,872.04153881180707,938.3045334653043,1025.9998791619062,1063.4536379994499,1116.5394381498861,1222.4633857602851,1333.7133796287112,1391.2246724567158]
["Balance of WA","Couple","3 and above","Couple with 3 children",0,0,0,771.16794251425142,806.86865730119223,860.26940302441187,937.39864531663079,1003.6603851483062,1091.3540883923629,1128.8071926689959,1181.8919328334082,1287.8138380957341,1399.0617616909678,1456.5719289609722]
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["Balance of WA","Single",1,"Single parent with 1 child",0,370.7014066267165,385.78827735833318,405.3180672160035,440.95440752331541,494.25891704011889,571.24922449489361,637.39156886765841,724.92721661749658,762.312770143374,815.30186179178338,921.03291618975334,1032.0803542300855,1089.4868794955921]
["Balance of WA","Single",2,"Single parent with 2 children",0,484.67101984265918,499.91379003555289,519.64544467862345,555.65006399065271,609.50544184978628,687.29136778262989,754.11723300059089,842.55752461288319,880.3294525429028,933.86615288976088,1040.6898707639921,1152.8848769605322,1210.8846990804352]
["Balance of WA","Single","3 and above","Single parent with 3 children",0,0,623.03293081430297,643.18446702223559,679.95518141526441,734.95647723858156,814.39747971754821,882.64522611177892,972.96734149639417,1011.5429875300481,1066.2188251201924,1175.3155048076924,1289.8977238581733,1349.1316856971157]
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[null,null,null,"Hobart"]
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["Hobart","Couple",1,"Couple with 1 child",0,0,660.41702700560211,679.99739748776096,715.72594987979301,769.1683893833781,846.35785198983297,912.67140009066429,1000.4334808400829,1037.9158456809205,1091.042032897564,1197.0466389647959,1308.3814947593842,1365.9365643289809]
["Hobart","Couple",2,"Couple with 2 children",0,0,725.85754556314919,745.42300157114755,781.12435596727391,834.52611295915653,911.65681587490542,977.9198834639617,1065.6151744588942,1103.069006231997,1156.1547152129845,1262.0786628233834,1373.3287660951482,1430.8400224553734]
["Hobart","Couple","3 and above","Couple with 3 children",0,0,0,810.78246938315158,846.48318417009239,899.88392989331203,977.0132451197087,1043.2749849513841,1130.9686699618967,1168.4217195378963,1221.5064597023086,1327.4284014317234,1438.6763614940462,1496.1865287640503]
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["Hobart","Single",1,"Single parent with 1 child",0,410.24456488792146,425.33145837039416,444.8612482280646,480.49757943503408,533.80209805217987,610.79237820592743,676.93474077937708,764.47040672990011,801.85594205509244,854.84503370350205,960.57608810147201,1071.6234897404345,1129.0300514073108]
["Hobart","Single",2,"Single parent with 2 children",0,524.62281780594071,539.86562477638915,559.5972794194596,595.60188953710031,649.45726739623387,727.24319332907737,794.06905854703848,882.50935015933067,920.28127808935028,973.81794165865358,1080.6416595328847,1192.8367760620893,1250.8365614044376]
["Hobart","Single","3 and above","Single parent with 3 children",0,0,663.83484825721166,683.98638446514406,720.75708946814905,775.75837590144226,855.19940655048072,923.44713416466357,1013.7692307692307,1052.3448955829326,1107.0206580528845,1216.1173377403845,1330.6998197115386,1389.9336688701924]
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[null,null,null,"Balance of TAS"]
["Balance of TAS","Couple",0,"Couple",0,557.98546397032874,573.07517649767829,592.60863645727079,628.25164795138107,681.56614978269658,758.57089872757547,824.72562375543077,912.2776988974673,949.67024241072033,1002.6692308380955,1108.4201781006773,1219.4884327836673,1276.9057193161041]
["Balance of TAS","Couple",1,"Couple with 1 child",0,0,654.66722430488244,674.2475491675898,709.9760924357314,763.41853193931638,840.60806753689405,906.92154264660269,994.68371463492474,1032.165988236859,1085.2921572057217,1191.296799768515,1302.6316555631031,1360.1867251326998]
["Balance of TAS","Couple",2,"Couple with 2 children",0,0,720.11211072411515,739.67753938127885,775.37889377740532,828.78065076928772,905.91142662059565,972.17442127409299,1059.8697669706949,1097.3235258082386,1150.4092530231158,1256.3332006335147,1367.5832674374999,1425.0945602655047]
["Balance of TAS","Couple","3 and above","Couple with 3 children",0,0,0,805.03718892923416,840.73783078199722,894.13857650521675,971.26789173161353,1037.5296315632888,1125.2233348073457,1162.676366149801,1215.7611063142133,1321.683011576539,1432.9310081059507,1490.441175375955]
[null,""]
["Balance of TAS","Single",0,"Single person",297.47041142416714,312.17896720469446,327.29620770909611,346.8653337035463,382.57340061375726,435.98521176197511,513.13047284957668,579.40594309460914,667.11781777209683,704.57864641170409,757.67438652008491,863.61831331842041,974.88925265556645,1032.4113368835444]
["Balance of TAS","Single",1,"Single parent with 1 child",0,404.50956094391302,419.59644987621454,439.12623973388486,474.76258004119677,528.06712595936983,605.05739701277503,671.19974138553982,758.73538913537789,796.120979062625,849.11003430966468,954.84108870763464,1065.8884903465971,1123.2950884148431]
["Balance of TAS","Single",2,"Single parent with 2 children",0,518.82857840913118,534.07134860202484,553.8030032450954,589.80762255712466,643.66300041625834,721.44892634910184,788.27479156706283,876.71508317935513,914.48701110937475,968.02367467867805,1074.847392552909,1187.0424723045589,1245.0422944244619]
["Balance of TAS","Single","3 and above","Single parent with 3 children",0,0,657.91728327824512,678.06881948617786,714.83953387920656,769.84079214242797,849.28183218149036,917.52957857572108,1007.8516939603367,1046.4273024338941,1101.1031024639424,1210.1997821514422,1324.7821890024038,1384.0160757211538]
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[null,null,null,"ACT & NT"]
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["ACT & NT","Couple",1,"Couple with 1 child",0,0,665.65465099823325,685.2350123565019,720.9635556246435,774.4059951282286,851.59545773468346,917.90900583551479,1005.6711048327141,1043.1534514257712,1096.2796203946339,1202.2842629574272,1313.6191187520151,1371.1741883216118]
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["ACT & NT","Single",1,"Single parent with 1 child",0,415.46866195776835,430.55555544024111,450.08534529791154,485.72168560522334,539.02619512202682,616.0165025768016,682.15882874888155,769.69449469940457,807.08004822528187,860.06913987369137,965.80019427166133,1076.8475959106238,1134.2541211761304]
["ACT & NT","Single",2,"Single parent with 2 children",0,529.90093938757207,545.14370958046561,564.87536422353628,600.87997434117699,654.73536139469923,732.52128732754272,799.34715254550372,887.78744415779602,925.55937208781563,979.09603565711893,1085.9197535313501,1198.1148332829998,1256.1146554029028]
["ACT & NT","Single","3 and above","Single parent with 3 children",0,0,669.22523850661048,689.37677471454322,726.14747032752416,781.14878493088941,860.58978740985572,928.83755258413453,1019.1596491887019,1057.7352952223557,1112.4110576923076,1221.5077373798076,1336.0901442307693,1395.3241060697117]

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[null,"Bonus / Commission",0,{"$f":"OFFSET('Serviceability Calculator'!$C46,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C46,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C46,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C46,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C46,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C46,(I$2-1)*vApplicant_Rows,0)","v":0}]
[null,"Investment",0,{"$f":"OFFSET('Serviceability Calculator'!$C48,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(I$2-1)*vApplicant_Rows,0)","v":0}]
[null,"Other",0,{"$f":"OFFSET('Serviceability Calculator'!$C50,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C50,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C50,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C50,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C50,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C50,(I$2-1)*vApplicant_Rows,0)","v":0}]
[null,"Rental Income 1",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C57,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(I$2-1)*vApplicant_Rows,0),2)","v":0},null,"% Ownership applied to Rent Received"]
[null,"Rental Income 2",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C58,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 3",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C59,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 4",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C60,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 5",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C61,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 6",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C62,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 7",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C63,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 8",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 9",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C65,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Rental Income 10",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Total Income",0,{"$f":"SUM(D3:D18)","v":0},0,0,0,0,0]
[null,"Rental Shading",0,{"$f":"SUM(D9:D18)*(1-vRentalShading)","v":0},0,0,0,0,0]
[null,"Gross Annual Income",0,{"$f":"D19-D20","v":0},{"$f":"E19-E20","v":0},0,0,0,0]
[null,"Interest Deductions 1",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E57,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D57,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},null,"Gearing Rate entered for the Investment Loan Amount, % Ownership also applied"]
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[null,"Interest Deductions 5",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 6",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 7",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 8",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 9",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 10",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,{"$f":"\"Rental Deductions \"&IF(vPropertyExpense=0,\"(N/A)\",\"@ \"&TEXT(vPropertyExpense,\"0.00%\"))","v":"Rental Deductions (N/A)"},0,{"$f":"IF(vPropertyExpense=0,0,ROUND(SUM(D9:D18)/(1-vPropertyExpense)*vPropertyExpense,2))","v":0},{"$f":"IF(vPropertyExpense=0,0,ROUND(SUM(E9:E18)/(1-vPropertyExpense)*vPropertyExpense,2))","v":0},0,0,0,0]
[null,"Taxable Gross Income",0,{"$f":"D21-SUM(D22:D32)","v":0},{"$f":"E21-SUM(E22:E32)","v":0},0,0,0,0,null,"Taxable Gross Income used for HEM Calculation"]
[null,"Income Tax and Medicare",0,{"$f":"IF(D33<=0,0,ROUND(VLOOKUP(D33,tIncomeTax,3)+(D33-VLOOKUP(D33,tIncomeTax,1))*VLOOKUP(D33,tIncomeTax,2)+D33*vMedicareLevy,2))","v":0},0,0,0,0,0,null,"From PAYG Table plus Medicare Rate"]
[null,"Non-Taxable",0,{"$f":"OFFSET('Serviceability Calculator'!$C30,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(I$2-1)*vApplicant_Rows,0)","v":0}]
[null,"Self Employed Add Backs",0,{"$f":"OFFSET('Serviceability Calculator'!$C36,(D$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(D$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(E$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(E$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(F$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(F$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(G$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(G$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(H$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(H$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(I$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(I$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(I$2-1)*vApplicant_Rows,0)","v":0},null,"Includes Interest, Other Addbacks and Depreciation"]
[null,"Net Annual Income",0,{"$f":"D21-D34+D35+D36","v":0},0,0,0,0,0]
[null,"Hem Expenses (Weekly)",0,{"$f":"ROUND(OFFSET(vHEM,D$2,0),0)","v":0},0,0,0,0,0]
[null,"HEM Expenses",0,{"$f":"ROUND(D38*52/12,0)","v":0},{"$f":"ROUND(E38*52/12,0)","v":0},0,0,0,0,null,"From the HEM Table"]
[]
[null,"Company","Total","1"]
[null,"Company Net Profit Before Tax",{"$f":"IF(vCompany,D42,0)","v":0},{"$f":"'Serviceability Calculator'!$C330","v":0}]
[null,"Rental Income 1",0,{"$f":"ROUND('Serviceability Calculator'!$C343*'Serviceability Calculator'!$D343,2)","v":0},null,null,null,null,null,null,"% Ownership applied to Rent Received"]
[null,"Rental Income 2",0,{"$f":"ROUND('Serviceability Calculator'!$C344*'Serviceability Calculator'!$D344,2)","v":0}]
[null,"Rental Income 3",0,{"$f":"ROUND('Serviceability Calculator'!$C345*'Serviceability Calculator'!$D345,2)","v":0}]
[null,"Rental Income 4",0,{"$f":"ROUND('Serviceability Calculator'!$C346*'Serviceability Calculator'!$D346,2)","v":0}]
[null,"Rental Income 5",0,{"$f":"ROUND('Serviceability Calculator'!$C347*'Serviceability Calculator'!$D347,2)","v":0}]
[null,"Rental Income 6",0,{"$f":"ROUND('Serviceability Calculator'!$C348*'Serviceability Calculator'!$D348,2)","v":0}]
[null,"Rental Income 7",0,{"$f":"ROUND('Serviceability Calculator'!$C349*'Serviceability Calculator'!$D349,2)","v":0}]
[null,"Rental Income 8",0,{"$f":"ROUND('Serviceability Calculator'!$C350*'Serviceability Calculator'!$D350,2)","v":0}]
[null,"Rental Income 9",0,{"$f":"ROUND('Serviceability Calculator'!$C351*'Serviceability Calculator'!$D351,2)","v":0}]
[null,"Rental Income 10",0,{"$f":"ROUND('Serviceability Calculator'!$C352*'Serviceability Calculator'!$D352,2)","v":0}]
[null,"Total Income",0,{"$f":"SUM(D42:D52)","v":0}]
[null,"Rental Shading",0,{"$f":"SUM(D43:D52)*(1-vRentalShading)","v":0}]
[null,"Gross Annual Income",0,{"$f":"D53-D54","v":0}]
[null,"Interest Deductions 1",0,{"$f":"ROUND('Serviceability Calculator'!$E343*'Serviceability Calculator'!$D343*vGearing,2)","v":0},null,null,null,null,null,null,"Gearing Rate entered for the Investment Loan Amount, % Ownership also applied"]
[null,"Interest Deductions 2",0,{"$f":"ROUND('Serviceability Calculator'!$E344*'Serviceability Calculator'!$D344*vGearing,2)","v":0}]
[null,"Interest Deductions 3",0,{"$f":"ROUND('Serviceability Calculator'!$E345*'Serviceability Calculator'!$D345*vGearing,2)","v":0}]
[null,"Interest Deductions 4",0,{"$f":"ROUND('Serviceability Calculator'!$E346*'Serviceability Calculator'!$D346*vGearing,2)","v":0}]
[null,"Interest Deductions 5",0,{"$f":"ROUND('Serviceability Calculator'!$E347*'Serviceability Calculator'!$D347*vGearing,2)","v":0}]
[null,"Interest Deductions 6",0,{"$f":"ROUND('Serviceability Calculator'!$E348*'Serviceability Calculator'!$D348*vGearing,2)","v":0}]
[null,"Interest Deductions 7",0,{"$f":"ROUND('Serviceability Calculator'!$E349*'Serviceability Calculator'!$D349*vGearing,2)","v":0}]
[null,"Interest Deductions 8",0,{"$f":"ROUND('Serviceability Calculator'!$E350*'Serviceability Calculator'!$D350*vGearing,2)","v":0}]
[null,"Interest Deductions 9",0,{"$f":"ROUND('Serviceability Calculator'!$E351*'Serviceability Calculator'!$D351*vGearing,2)","v":0}]
[null,"Interest Deductions 10",0,{"$f":"ROUND('Serviceability Calculator'!$E352*'Serviceability Calculator'!$D352*vGearing,2)","v":0}]
[null,"Taxable Gross Income",0,{"$f":"D55-SUM(D56:D65)","v":0}]
[null,{"$f":"\"Company Tax @ \"&TEXT(vCompanyTaxRate,\"0.00%\")","v":"Company Tax @ 25.00%"},0,{"$f":"IF(D66<=0,0,ROUND(D66*vCompanyTaxRate,2))","v":0},null,null,null,null,null,null,"Using Company Tax Rate entered"]
[null,"Company Addbacks",0,{"$f":"'Serviceability Calculator'!$C332+'Serviceability Calculator'!$C334+'Serviceability Calculator'!$C336","v":0},null,null,null,null,null,null,"Includes Interest, Other Addbacks and Depreciation"]
[null,"Company Profit After Tax",0,{"$f":"D55-D67+D68","v":0}]
[]
[null,"Commitments (Annual)","Used","Repayment","Limit",{"$f":"\"Assessed at \"&TEXT(vFloorRate,\"0.00%\")","v":"Assessed at 6.00%"}]
[null,"Commitment 1",{"$f":"IF(vResidential,MAX(D72,F72),MAX(D72,F72))","v":0},{"$f":"'Serviceability Calculator'!$D360*12","v":0},{"$f":"IF('Serviceability Calculator'!$E360=\"N/A\",0,'Serviceability Calculator'!E360)","v":0},{"$f":"IF(E72=0,0,-PMT(vFloorRate/12,vLoanTerm*12,E72)*12)","v":0},null,null,null,null,"Assessed using Floor Rate entered"]
[null,"Commitment 2",0,{"$f":"'Serviceability Calculator'!$D361*12","v":0},{"$f":"IF('Serviceability Calculator'!$E361=\"N/A\",0,'Serviceability Calculator'!E361)","v":0},0]
[null,"Commitment 3",0,{"$f":"'Serviceability Calculator'!$D362*12","v":0},{"$f":"IF('Serviceability Calculator'!$E362=\"N/A\",0,'Serviceability Calculator'!E362)","v":0},0]
[null,"Commitment 4",0,{"$f":"'Serviceability Calculator'!$D363*12","v":0},{"$f":"IF('Serviceability Calculator'!$E363=\"N/A\",0,'Serviceability Calculator'!E363)","v":0},0]
[null,"Commitment 5",0,{"$f":"'Serviceability Calculator'!$D364*12","v":0},{"$f":"IF('Serviceability Calculator'!$E364=\"N/A\",0,'Serviceability Calculator'!E364)","v":0},0]
[null,"Commitment 6",0,{"$f":"'Serviceability Calculator'!$D365*12","v":0},{"$f":"IF('Serviceability Calculator'!$E365=\"N/A\",0,'Serviceability Calculator'!E365)","v":0},0]
[null,"Commitment 7",0,{"$f":"'Serviceability Calculator'!$D366*12","v":0},{"$f":"IF('Serviceability Calculator'!$E366=\"N/A\",0,'Serviceability Calculator'!E366)","v":0},0]
[null,"Commitment 8",0,{"$f":"'Serviceability Calculator'!$D367*12","v":0},{"$f":"IF('Serviceability Calculator'!$E367=\"N/A\",0,'Serviceability Calculator'!E367)","v":0},0]
[null,"Commitment 9",0,{"$f":"'Serviceability Calculator'!$D368*12","v":0},{"$f":"IF('Serviceability Calculator'!$E368=\"N/A\",0,'Serviceability Calculator'!E368)","v":0},0]
[null,"Commitment 10",0,{"$f":"'Serviceability Calculator'!$D369*12","v":0},{"$f":"IF('Serviceability Calculator'!$E369=\"N/A\",0,'Serviceability Calculator'!E369)","v":0},0]
[null,"Total Repayments",{"$f":"SUM(C72:C81)","v":0},{"$f":"SUM(D72:D81)","v":0},{"$f":"SUM(E72:E81)","v":0},{"$f":"SUM(F72:F81)","v":0}]
[null,"Credit Cards",{"$f":"D83","v":0},{"$f":"'Serviceability Calculator'!$C371*vCCRate*12","v":0},{"$f":"'Serviceability Calculator'!C371","v":0},{"$f":"D83","v":0},null,null,null,null,"Credit Card Limits x Credit Card Rate entered"]
[null,"Total Commitments",{"$f":"SUM(C82:C83)","v":0},{"$f":"SUM(D82:D83)","v":0},{"$f":"SUM(E82:E83)","v":0},{"$f":"SUM(F82:F83)","v":0}]
[null,"Living Expenses",{"$f":"IF(OR(D85>F85),D85,F85)","v":0},{"$f":"'Serviceability Calculator'!$C373*12","v":0},null,{"$f":"vHEM_Amount*12","v":0},null,null,null,null,"Higher of Actual or HEM"]
[null,"Loan Applied For",{"$f":"F86","v":0},{"$f":"'Serviceability Calculator'!C393","v":0},{"$f":"vLoan_Amount","v":0},{"$f":"'Serviceability Calculator'!E393","v":0}]
[null,"Total Limits",{"$f":"E87","v":0},null,{"$f":"SUM(E84:E86)","v":0}]

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[]
[null,"Applicant","Entries",null,null,null,null,null,null,null,null,null,"HEM"]
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{"sheet":"Scope Inputs","index":8,"n_rows":47,"n_cols":10,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"https://caps.helia.com.au/serviceability-calculator/",null,null,null,null,null,null,"\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\"]
[null,null,null,null,null,null,null,null,null,"YBR Calculator"]
[null,null,null,null,null,null,null,null,null,"Macquarie Calculator"]
[null,"APPLICATION NAME (not Applicant Name)"]
[]
[]
[null,"PER APPLICANT"]
[]
[null,"PAYG"]
[]
[null,"Income Type",null,"Gross Only"]
[]
[null,"Include Variable Income, including Add more"]
[]
[null,"SELF EMPLOYED"]
[]
[null,"As is"]
[]
[null,"RENTAL INCOME"]
[]
[null,"Amount","Frequency","Ownership","Investment Loan"]
[]
[null,"Rental Type no required"]
[]
[]
[null,"NON Taxable"]
[]
[null,"As is"]
[]
[]
[]
[]
[null,"COMPANY"]
[]
[null,"Income",null,"As is"]
[]
[null,"Rental Income",null,"As is","(remove Rental Type)"]
[]
[]
[]
[]
[]
[]
[null,"COMMITMENTS",null,"Total for all Applicants"]
[]
[null,"As is"]

{"sheet":"Scope Results","index":9,"n_rows":4,"n_cols":2,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
[]
[null,"As per Gen Worth"]
[]
[null,"Then can Download detailed PDF"]

{"sheet":"Scope General","index":10,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,"Be able to brand as their own"]
[null,null,"Import Logo"]
[null,null,"Color Scheme"]
[]
[null,"Version Controlled"]
[]
[]
[null,"Date of Calculation included"]
[]
[]
[]
[null,"Input Tax Tables (Company and PAYG)"]
[]
[null,"Input HEM Tables (living costs)"]
[]
[null,"Commitments (to be decided)"]
[null,null,"For now, use actual, but ability to change"]
[null,null,"Buffer and Stress rates zero for now"]
[]
[null,null,"30 years with Benchmark Rate of 5.25%"]
[]
[]
[null,"Outputs"]
[null,null,"NDI Ratio","1 minimum",null,"Outgoings/Income"]
[null,null,"DTI ratio","need to know it"]