{"text_format":"1","workbook":"xlsx","n_sheets":29,"sheets":["Instructions","Loan Serviceability Calculator","Rental Income","Business Income","==> SUPPORT WORKSHEETS","DROP BOX LISTS","HEM","Amortisation Schedule_Loan1","Amortisation Schedule_Loan2","Amortisation Schedule_Loan3","Amortisation Schedule_Loan1_AR","Amortisation Schedule_Loan2_AR","Amortisation Schedule_Loan3_AR","Amortisation Schedule_Exist HL1","Amortisation Schedule_Exist HL2","Amortisation Schedule_Exist HL3","Amortisation Schedule_Exist HL4","Amortisation Schedule_Exist CL1","Amortisation Schedule_Exist CL2","Amortisation Schedule_Exist CL3","Amortisation Schedule_Exist CL4","Amortisation Schedule_Exist HP1","Amortisation Schedule_Exist HP2","Amortisation Schedule_Exist Oth","Applicant1_Tax","Applicant2_Tax","Applicant3_Tax","Applicant4_Tax","New Loan Rates _ Weblink"],"not_rendered":{"charts":0,"images":4,"macros":1,"external_links":0,"defined_names":261,"comments":22,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Instructions","index":0,"n_rows":49,"n_cols":4,"rows_kept":49,"cut":false,"hidden":false,"merged":[]}
[null,"GMCU Loan Servicability Calculator"]
[null,"Instructions"]
[]
[null,"Step 1","Take a copy of this Master Excel file and save with new file name as required"]
[null,null,"Note: Always begin the process from the Master File."]
[]
[null,"Step 2","Tick the Checkboxes below if applicable to applicant(s)"]
[]
[]
[]
[]
[]
[]
[null,"Step 3","Completed the YELLOW INPUT CELLS on the following worksheets:"]
[null,null,null,"Loan Serviceability Calculator"]
[null,null,null,"Rental Income (if applicable) - Worksheet will be hidden if not applicable"]
[null,null,null,"Business Income (if applicable) - Worksheet will be hidden if not applicable"]
[null,null,"Insert Comments if required, in the comments columns provided"]
[]
[]
[null,"Step 4","Check all calculations for reasonableness on the \"Loan Serviceability Calculator\" worksheet"]
[null,null,"Where the \"Rental Income\" worksheet has been used, ensure BLUE Cells on \"Rental Income\" worksheet equate to 100% when Rental income applies"]
[]
[null,"Step 5","Save the file for future internal reference, but ensure any new assessment are made using the Master File"]
[]
[null,"++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++"]
[null,"HEAD OFFICE USE ONLY - Master Data Maintenance"]
[]
[null,"To update the file for the latest GMCU loans rates "]
[null,"Use Excel menu ribbon \"Data>Refresh All\""]
[null,"(This will import the GMCU load rates as advertised on \"https://www.gmcu.com.au/loan-rates\")…."]
[null,"Note : If an update of loan-rates is NOT required within this file then do NOT complete Step 2…proceed to Step 3"]
[]
[null,"Update YELLOW CELLS ON:"]
[null,"DROP BOX LIST worksheet:"]
[null,"Unprotect worksheet first"]
[null,"Key Driver Variables:"]
[null,"Buffer % to apply"]
[null,"Credit Card Assessment Rate "]
[null,"Company Tax Rate"]
[null,"GMCU Benchmark Living Expenses"]
[null,"Protect worksheet when completed update"]
[]
[null,"Applicant1_Tax worksheet"]
[null,"Unprotect worksheet first"]
[null,"Taxable income"]
[null,"Tax on this income"]
[null,"Medicare "]
[null,"Protect worksheet when completed update"]

{"sheet":"Loan Serviceability Calculator","index":1,"n_rows":158,"n_cols":11,"rows_kept":158,"cut":false,"hidden":false,"merged":[[8,4,8,6],[13,4,13,6],[18,4,18,6],[138,4,138,5],[139,4,139,5],[137,4,137,5]]}
[]
[]
[]
[]
[]
[]
[null,"Applicant details",null,null,null,null,null,null,null,null,"Comments"]
[]
[null,null,"Loan Product 1",null,"Select if applicable"]
[null,null,"Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E9,'DROP BOX LISTS'!$B$52:$F$68,3,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Comparison Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E9,'DROP BOX LISTS'!$B$52:$F$68,4,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Assessment Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E9,'DROP BOX LISTS'!$B$52:$F$68,5,FALSE),\"N/A\")","v":"N/A"}]
[]
[null,null,"Loan Product 2","(if applicable)","Select if applicable"]
[null,null,"Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E14,'DROP BOX LISTS'!$B$52:$F$68,3,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Comparison Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E14,'DROP BOX LISTS'!$B$52:$F$68,4,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Assessment Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E14,'DROP BOX LISTS'!$B$52:$F$68,5,FALSE),\"N/A\")","v":"N/A"}]
[]
[null,null,"Loan Product 3","(if applicable)","Select if applicable"]
[null,null,"Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E19,'DROP BOX LISTS'!$B$52:$F$68,3,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Comparison Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E19,'DROP BOX LISTS'!$B$52:$F$68,4,FALSE),\"N/A\")","v":"N/A"}]
[null,null,"Assessment Rate",null,{"$f":"_xlfn.IFNA(VLOOKUP(E19,'DROP BOX LISTS'!$B$52:$F$68,5,FALSE),\"N/A\")","v":"N/A"}]
[]
[null,null,"Applicants Names "]
[null,null,"(example : Mr. John Smith)"]
[null,null,null,"Applicant 1 : Name"]
[null,null,null,"Applicant 2 : Name"]
[null,null,null,"Applicant 3 : Name"]
[null,null,null,"Applicant 4 : Name"]
[]
[null,null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,null,null,null,{"$f":"IF(E26=\"\",\"\",E26)","v":""},{"$f":"IF(E27=\"\",\"\",E27)","v":""},{"$f":"IF(E28=\"\",\"\",E28)","v":""},{"$f":"IF(E29=\"\",\"\",E29)","v":""}]
[null,null,"Marital or relationship status",null,"Select…","Select…","Select…","Select…"]
[null,null,"Couple with other applicant "]
[null,null,"Number of dependants *",null,"Select…","Select…","Select…","Select…"]
[null,null,"( * only include common dependants once)"]
[]
[]
[null,"Loan Details ",null,null,null,null,null,null,null,null,"Comments"]
[]
[null,null,null,null,"Loan Amount $","Loan Term (mths )","Carded Interest Rate %"]
[null,null,"Loan Account 1",null,null,null,{"$f":"LEFT(E12,LEN(E12)-3)","v":""}]
[null,null,"Loan Account 2","(if applicable)",null,null,{"$f":"LEFT(E17,LEN(E17)-3)","v":""}]
[null,null,"Loan Account 3","(if applicable)",null,null,{"$f":"LEFT(E22,LEN(E22)-3)","v":""}]
[]
[null,null,"Total Loan Amount ",null,{"$f":"SUM(E42:E44)","v":0}]
[]
[]
[null,"Security details ",null,null,null,null,null,null,null,null,"Comments"]
[]
[null,null,null,"Address","Postcode","Investment Y/N","Security Value ","Loan Amount per Security"]
[]
[null,null,"Security 1",null,null,"Select…"]
[null,null,"Security 2"]
[null,null,"Security 3"]
[]
[null,null,"Total Security Value",null,null,null,{"$f":"SUM(G53:G55)","v":0},{"$f":"SUM(H53:H55)","v":0}]
[null,null,null,null,null,null,"Difference to Total Loan Amount",{"$f":"E46-H57","v":0},{"$f":"IF(E46=H57,\"Loan total agrees to above\", \"Loan total does not agree to above, please update Security Details\")","v":"Loan total agrees to above"}]
[]
[null,"Gross Annual Income ",null,null,null,null,null,null,null,null,"Comments"]
[]
[null,null,null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Total  (Annually)"]
[null,null,null,null,{"$f":"IF(E26=\"\",\"\",E26)","v":""},{"$f":"IF(E27=\"\",\"\",E27)","v":""},{"$f":"IF(E28=\"\",\"\",E28)","v":""},{"$f":"IF(E29=\"\",\"\",E29)","v":""}]
[null,null,"Base Income ( PAYG ) - Gross",null,null,null,null,null,{"$f":"SUM(E64:H64)","v":0}]
[null,null,"Bonus/Overtime/Commission Income - Gross",null,null,null,null,null,{"$f":"SUM(E65:H65)","v":0}]
[null,null,"Allowance - Gross",null,null,null,null,null,{"$f":"SUM(E66:H66)","v":0}]
[null,null,"Other Income ( taxable ) - Gross",null,null,null,null,null,{"$f":"SUM(E67:H67)","v":0}]
[]
[null,null,"Total Gross Income (pre Rental Income) with Bonus @ 80%",null,{"$f":"E64+E65*0.8+E66+E67","v":0},{"$f":"F64+F65*0.8+F66+F67","v":0},{"$f":"G64+G65*0.8+G66+G67","v":0},{"$f":"H64+H65*0.8+H66+H67","v":0},{"$f":"SUM(E69:H69)","v":0}]
[]
[null,null,"Existing Rental Income - Gross (Assessed at 85%)",null,{"$f":"'Rental Income'!G96","v":0},{"$f":"'Rental Income'!G97","v":0},{"$f":"'Rental Income'!G98","v":0},{"$f":"'Rental Income'!G99","v":0},{"$f":"SUM(E71:H71)","v":0}]
[null,null,"Proposed (New) Rental Income - Gross (Assessed at 85%)",null,{"$f":"'Rental Income'!G104","v":0},{"$f":"'Rental Income'!G105","v":0},{"$f":"'Rental Income'!G106","v":0},{"$f":"'Rental Income'!G107","v":0},{"$f":"SUM(E72:H72)","v":0}]
[]
[null,null,"Total Gross Income (incl. Rental Income, excl. Sole Trader Income)",null,{"$f":"E69+E71+E72","v":0},{"$f":"F69+F71+F72","v":0},{"$f":"G69+G71+G72","v":0},{"$f":"H69+H71+H72","v":0},{"$f":"SUM(E74:H74)","v":0}]
[]
[null,null,{"$f":"'Business Income'!D123","v":"Total Business Income : Sole Trader - Gross"},null,{"$f":"'Business Income'!F124","v":0},{"$f":"'Business Income'!F125","v":0},{"$f":"'Business Income'!F126","v":0},{"$f":"'Business Income'!F127","v":0},{"$f":"SUM(E76:H76)","v":0}]
[]
[null,null,"Total Gross Income (incl. Rental Income, incl. Sole Trader Income)",null,{"$f":"E74+E76","v":0},{"$f":"F74+F76","v":0},{"$f":"G74+G76","v":0},{"$f":"H74+H76","v":0},{"$f":"SUM(E78:H78)","v":0}]
[null,null,"Estimated Tax (per ATO)",null,{"$f":"-Applicant1_Tax!$J$20","v":0},{"$f":"-Applicant2_Tax!$J$20","v":0},{"$f":"-Applicant3_Tax!$J$20","v":0},{"$f":"-Applicant4_Tax!$J$20","v":0},{"$f":"SUM(E79:H79)","v":0}]
[null,null,"Total Net Income (including Rental Income)",null,{"$f":"E78+E79","v":0},{"$f":"F78+F79","v":0},{"$f":"G78+G79","v":0},{"$f":"H78+H79","v":0},{"$f":"SUM(E80:H80)","v":0}]
[]
[null,null,"Non Taxable Income ",null,null,null,null,null,{"$f":"SUM(E82:H82)","v":0}]
[null,null,"Add Backs",null,{"$f":"SUM('Business Income'!F15:F19,'Business Income'!F44:F48,'Business Income'!F73:F77,'Business Income'!F102:F106)","v":0}]
[null,null,"Business Income - Net",null,{"$f":"'Business Income'!H133","v":0},{"$f":"'Business Income'!H134","v":0},{"$f":"'Business Income'!H135","v":0},{"$f":"'Business Income'!H136","v":0},{"$f":"SUM(E84:H84)","v":0}]
[]
[null,null,"Total Net Income ",null,{"$f":"E80+E82+E84+E83","v":0},{"$f":"F80+F82+F84","v":0},{"$f":"G80+G82+G84","v":0},{"$f":"H80+H82+H84","v":0},{"$f":"SUM(E86:H86)","v":0}]
[]
[]
[null,"Annual Commitments ( Combined ) ",null,null,null,null,null,null,null,null,"Comments"]
[]
[]
[]
[null,null,null,null,null,null,null,"Monthly ","Annually "]
[null,"New Loan #1",null,null,null,null,"Repayments",{"$f":"'Amortisation Schedule_Loan1'!payment","v":0},{"$f":"H94*12","v":0}]
[null,null,null,null,null,null,"Assessment Rate",{"$f":"G42","v":""}]
[null,null,null,null,null,null,"Repayments @ Buffer",{"$f":"'Amortisation Schedule_Loan1_AR'!payment","v":0},{"$f":"H96*12","v":0}]
[null,null,null,null,null,null,"Assessment Rate plus  buffer",{"$f":"IFERROR(G42+BufferRate,\"n/a\")","v":"n/a"}]
[]
[null,"New Loan #2",null,null,null,null,{"$f":"G94","v":"Repayments"},{"$f":"'Amortisation Schedule_Loan2'!payment","v":0},{"$f":"H99*12","v":0}]
[null,null,null,null,null,null,{"$f":"G95","v":"Assessment Rate"},{"$f":"G43","v":""}]
[null,null,null,null,null,null,{"$f":"G96","v":"Repayments @ Buffer"},{"$f":"'Amortisation Schedule_Loan2_AR'!payment","v":0},{"$f":"H101*12","v":0}]
[null,null,null,null,null,null,{"$f":"G97","v":"Assessment Rate plus  buffer"},{"$f":"IFERROR(G43+BufferRate,\"n/a\")","v":"n/a"}]
[]
[null,"New Loan #3",null,null,null,null,{"$f":"G94","v":"Repayments"},{"$f":"'Amortisation Schedule_Loan3'!payment","v":0},{"$f":"H104*12","v":0}]
[null,null,null,null,null,null,{"$f":"G95","v":"Assessment Rate"},{"$f":"G44","v":""}]
[null,null,null,null,null,null,{"$f":"G96","v":"Repayments @ Buffer"},{"$f":"'Amortisation Schedule_Loan3_AR'!payment","v":0},{"$f":"H106*12","v":0}]
[null,null,null,null,null,null,{"$f":"G97","v":"Assessment Rate plus  buffer"},{"$f":"IFERROR(G44+BufferRate,\"n/a\")","v":"n/a"}]
[]
[null,"Existing Commitments",null,"Existing Lender \nOrganisation Name","Limit $","Remaining Term (mths)","Interest Rate % \n(excl. buffer)","Monthly \nRepayments $ *","Annual \nRepayments $ *",null,{"$f":"\"* incorporates buffer at \"&TEXT(BufferRate,\"0.00%\")&\" for Home Loans only\"","v":"* incorporates buffer at 3.00% for Home Loans only"}]
[null,"Existing Home Loan 1",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HL1'!payment,0)","v":0},{"$f":"H110*12","v":0}]
[null,"Existing Home Loan 2",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HL2'!payment,0)","v":0},{"$f":"H111*12","v":0},null," "]
[null,"Existing Home Loan 3",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HL3'!payment,0)","v":0},0]
[null,"Existing Home Loan 4",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HL4'!payment,0)","v":0},0]
[null,"Existing Personal Loan / Car Loan 1",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist CL1'!payment,0)","v":0},0]
[null,"Existing Personal Loan / Car Loan 2",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist CL2'!payment,0)","v":0},0]
[null,"Existing Personal Loan / Car Loan 3",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist CL3'!payment,0)","v":0},0]
[null,"Existing Personal Loan / Car Loan 4",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist CL4'!payment,0)","v":0},0]
[null,{"$f":"\"Total Credit Card Limits (Assessed at \"&TEXT(Credit_Card_Assessment_Rate,\"0.00%\")&\")**\"","v":"Total Credit Card Limits (Assessed at 3.80%)**"},null,null,null,null,null,{"$f":"E118*(Credit_Card_Assessment_Rate)","v":0},0,null,{"$f":"\"** Credit Card Limit assessed at \"&TEXT(Credit_Card_Assessment_Rate,\"0.00%\")","v":"** Credit Card Limit assessed at 3.80%"}]
[null,"Hire Purchase / Car Lease 1",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HP1'!payment,0)","v":0},0]
[null,"Hire Purchase / Car Lease 2",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist HP2'!payment,0)","v":0},0]
[null,"Other Debts (eg : HECS / HELP, Private Debts )",null,null,null,null,null,{"$f":"IFERROR('Amortisation Schedule_Exist Oth'!payment,0)","v":0},0]
[null,"Ongoing Rent / Board ",null,null,null,null,null,null,0]
[null,"Other (eg : Child Support )",null,null,null,null,null,0,0]
[]
[null,"Total Annual Commitments ",null,null,{"$f":"SUM(E110:E123)","v":0},null,null,{"$f":"SUM(H110:H123)","v":0},{"$f":"SUM(I110:I123)","v":0}]
[]
[]
[null,"Monthly Living Expenses ( Combined ) ",null,null,null,null,null,null,null,null,"Comments"]
[null,null,null,null,null,null,null,"Monthly $","Annually $"]
[null,null,"General Living Expenses ",null,null,null,null,0,{"$f":"H130*12","v":0}]
[null,null,"Include : ","groceries, clothing and personal care, medical and health, recreation and entertainment, petcare, "]
[null,null,null,"telephone, internet, media streaming, transport, childcare, education, insurances, "]
[null,null,null,"Utilities & Rates - Owner Occupier Property, Utilities & Rates - Investment Property"]
[]
[null,null,"Other Living Expenses (anything not listed above)",null,null,null,null,0,{"$f":"H135*12","v":0}]
[]
[null,null,"Total Living Expenses ",null,null,null,null,{"$f":"H130+H135","v":0},{"$f":"H137*12","v":0}]
[null,null,null,null,"Family Structure",null,"Total Gross Income"]
[null,null,"Benchmark Living Expense (First Family) ","Select Benchmark type",null,null,null,{"$f":"IFERROR(INDEX(HEM!$AA$14:$AO$37,MATCH(E139,HEM!$AA$14:$AA$37,0),MATCH(G139,HEM!$AA$14:$AO$14,0)) * HEM!AS16 + INDEX(HEM!$AA$14:$AO$37,MATCH(E139,HEM!$AA$14:$AA$37,0),MATCH(G139,HEM!$AA$14:$AO$14,0)),0) * 4.33","v":0},{"$f":"IF(H139=\"\",\"\",H139*12)","v":0},null,"N/A"]
[null,null,"Benchmark Living Expense (Second Family if applicable) ","Select Benchmark type",null,null,null,{"$f":"IFERROR(INDEX(HEM!$AA$14:$AO$37,MATCH(E140,HEM!$AA$14:$AA$37,0),MATCH(G140,HEM!$AA$14:$AO$14,0)) * HEM!AS16 + INDEX(HEM!$AA$14:$AO$37,MATCH(E140,HEM!$AA$14:$AA$37,0),MATCH(G140,HEM!$AA$14:$AO$14,0)),0) * 4.33","v":0},{"$f":"IF(H140=\"\",\"\",H140*12)","v":0},null,{"$f":"HEM!AS16","v":0}]
[null,null,"Total Benchmark Living Expenses",null,null,null,null,{"$f":"IF(H139=\"\",\"\",IF(AND(H139<>\"\",H140=\"\"),H139,H139+H140))","v":0},{"$f":"IF(I139=\"\",\"\",IF(AND(I139<>\"\",I140=\"\"),I139,I139+I140))","v":0},null,{"$f":"HEM!AS16","v":0}]
[]
[null,"Serviceability Position ",null,null,null,null,null,null,null,null,"Comments"]
[]
[null,null,null,null,null,null,null,"Monthly $","Annually $"]
[null,null,"Total Gross Income ",null,null,null,null,{"$f":"I146/12","v":0},{"$f":"I78","v":0}]
[]
[null,null,"Total Net Useable Income for Servicing Commitments ",null,null,null,null,{"$f":"I148/12","v":0},{"$f":"I86","v":0}]
[null,null,"Less GMCU Commitments ",null,null,null,null,{"$f":"H96+H101+H106","v":0},{"$f":"H149*12","v":0}]
[null,null,"Less External Commitments ",null,null,null,null,{"$f":"H125","v":0},{"$f":"H150*12","v":0}]
[null,null,"Residual Income for Living Expenses ",null,null,null,null,{"$f":"H148-H149-H150","v":0},{"$f":"I148-I149-I150","v":0}]
[]
[null,null,"Declared General Living Expenses ",null,null,null,null,{"$f":"H137","v":0},{"$f":"H153*12","v":0}]
[null,null,"Benchmark Living Expenses ",null,null,null,null,{"$f":"IFERROR(H139+H140,\"\")","v":0},{"$f":"IF(H154=\"\",\"\",H154*12)","v":0}]
[null,null,"Surplus Serviceability Position after higher of Declared & Benchmark (Minimum Policy is >$1.00)",null,null,null,null,{"$f":"H151-MAX(H153,H154)","v":0},{"$f":"H155*12","v":0}]
[]
[]
[null,"End of Calculator"]

{"sheet":"Rental Income","index":2,"n_rows":112,"n_cols":9,"rows_kept":112,"cut":false,"hidden":false,"merged":[]}
[]
[]
[null,"Property Rental Income ",null,null,null,null,null,null,"Comments"]
[]
[null,null,"Existing / Proposed ","Select…","Drop down box existing - new"]
[]
[null,null,"Address #1","Address #1"]
[null,null,null,"Postcode"]
[null,null,null,null,"Monthly Rental  $",null,"Annual Rental $"]
[null,null,null,null,null,null,{"$f":"E10*12","v":0}]
[]
[null,null,"Total Rental (85% for Proposed, 85% for Existing)",null,"Rental for Servicing",null,"Rental for Servicing p.a."]
[null,null,null,null,{"$f":"_xlfn.IFS(D5=\"New\",E10*0.85,D5=\"Existing\",E10*0.85, D5=\"Select…\",0)","v":0},null,{"$f":"E13*12","v":0}]
[]
[null,null,null,"% Attributable to:","%"]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},"Applicant 1",null,{"$f":"IF($D$5=\"Select…\",\"\",$D$5)","v":""},{"$f":"$G$13*E16","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"IF($D$5=\"Select…\",\"\",$D$5)","v":""},{"$f":"$G$13*E17","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,"",{"$f":"$G$13*E18","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,"",{"$f":"$G$13*E19","v":0}]
[]
[null,null,null,"Must equate to 100%",{"$f":"SUM(E16:E19)","v":0},{"$f":"IF(E7<>\"\",IF(E21=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\"),\"ok\")","v":"ok"},{"$f":"SUM(G16:G19)","v":0}]
[]
[]
[]
[null,null,"Existing / Proposed ","Select…","Drop down box existing - new"]
[]
[null,null,"Address #2","Address #2"]
[null,null,null,"Postcode"]
[null,null,null,null,"Monthly Rental  $",null,"Annual Rental $"]
[null,null,null,null,null,null,{"$f":"E30*12","v":0}]
[]
[null,null,"Total Rental (85% for Proposed, 85% for Existing)",null,"Rental for Servicing",null,"Rental for Servicing p.a."]
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[]
[null,null,null,"% Attributable to:"]
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[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"IF($D$25=\"Select…\",\"\",$D$25)","v":""},{"$f":"$G$33*E37","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,"",{"$f":"$G$33*E38","v":0}]
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[]
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[]
[null,null,null,"% Attributable to:"]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},"Applicant 1",null,{"$f":"IF($D$44=\"Select…\",\"\",$D$44)","v":""},{"$f":"$G$52*E55","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"IF($D$44=\"Select…\",\"\",$D$44)","v":""},{"$f":"$G$52*E56","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,"",{"$f":"$G$52*E57","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,"",{"$f":"$G$52*E58","v":0}]
[]
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[]
[]
[]
[null,null,"Existing / Proposed ","Select…","Drop down box existing - new"]
[]
[null,null,"Address #4","Address #4"]
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[null,null,null,null,"Monthly Rental  $",null,"Annual Rental $"]
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[]
[null,null,"Total Rental (85% for Proposed, 85% for Existing)",null,"Rental for Servicing",null,"Rental for Servicing p.a."]
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[]
[null,null,null,"% Attributable to:"]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},"Applicant 1",null,{"$f":"IF($D$64=\"Select…\",\"\",$D$64)","v":""},{"$f":"$G$72*E75","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"IF($D$64=\"Select…\",\"\",$D$64)","v":""},{"$f":"$G$72*E76","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,"",{"$f":"$G$72*E77","v":0}]
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[]
[null,null,null,"Must equate to 100%",{"$f":"SUM(E75:E78)","v":0},{"$f":"IF(E66<>\"\",IF(E80=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\"),\"ok\")","v":"ok"},{"$f":"SUM(G75:G78)","v":0}]
[]
[]
[]
[]
[null,null,"Rental Income Totals",null,"Monthly ",null,"Annually "]
[null,null,"New and Existing",null,{"$f":"E10+E30+E49+E69","v":0},null,{"$f":"E86*12","v":0}]
[]
[null,null,"Total Rental (85% for Proposed, 85% for Existing)",null,"Rental for Servicing",null,"Rental for Servicing p.a."]
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[]
[]
[]
[]
[null,null,"Existing"]
[null,null,null,"% Attributable to:"]
[null,null,"Existing","Applicant 1",{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"Existing\",$D$9:$D$80,D96)","v":0}]
[null,null,"Existing","Applicant 2",{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"Existing\",$D$9:$D$80,D97)","v":0}]
[null,null,"Existing","Applicant 3",{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"Existing\",$D$9:$D$80,D98)","v":0}]
[null,null,"Existing","Applicant 4",{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"Existing\",$D$9:$D$80,D99)","v":0}]
[]
[null,null,null,null,null,"Total all applicants, Existing Rentals",{"$f":"SUM(G96:G99)","v":0}]
[null,null,"New"]
[null,null,null,"% Attributable to:"]
[null,null,"New","Applicant 1",{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"New\",$D$9:$D$80,D104)","v":0}]
[null,null,"New","Applicant 2",{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"New\",$D$9:$D$80,D105)","v":0}]
[null,null,"New","Applicant 3",{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"New\",$D$9:$D$80,D106)","v":0}]
[null,null,"New","Applicant 4",{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},null,{"$f":"SUMIFS($G$9:$G$80,$F$9:$F$80,\"New\",$D$9:$D$80,D107)","v":0}]
[]
[null,null,null,null,null,"Total all applicants, New Rentals",{"$f":"SUM(G104:G107)","v":0}]
[]
[null,null,null,null,null,"Total Existing and New, All Applicants",{"$f":"G101+G109","v":0}]
[null,null,null,null,null,"Check : ",{"$f":"IF((G101+G109)=G111,\"OK\",\"Check % splits\")","v":"OK"}]

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[]
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[]
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[]
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[null,null,null,"Depreciation Add Back"]
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[null,null,null,"Other "]
[null,null,null,"Other "]
[]
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[]
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[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"$F$12*E26","v":0},{"$f":"IF(D6=\"Select…\",\"\",D6)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,{"$f":"$F$12*E27","v":0},{"$f":"IF(D6=\"Select…\",\"\",D6)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,{"$f":"$F$12*E28","v":0},{"$f":"IF(D6=\"Select…\",\"\",D6)","v":""}]
[]
[null,null,null,"Must equate to 100%",{"$f":"SUM(E25:E28)","v":0},{"$f":"SUM(F25:F29)","v":0}]
[null,null,null,{"$f":"IF(E30=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\")","v":"Check : Re-enter , as must total 100%"},null,{"$f":"F12-F30","v":0},"Difference must equal ZERO"]
[]
[]
[null,null,"Business Name # 2"]
[null,null,{"$f":"C6","v":"Business Entity Type"},"Select…"]
[]
[null,null,null,null,null,"Most Recent Financial Year","Previous Financial Year"]
[null,null,null,"Tax Year Ended ",null,"2024-06-30",{"$f":"DATE(YEAR(F38)-1+(MONTH(F38)>6),6,30)","v":"2023-06-30"}]
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[]
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[]
[null,null,null,"Add Backs"]
[null,null,null,"Depreciation Add Back"]
[null,null,null,"Interest"]
[null,null,null,"Hire Purchase / Lease Charges "]
[null,null,null,"Other "]
[null,null,null,"Other "]
[]
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[]
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[null,null,{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},"Applicant 1",null,{"$f":"$F$41*E54","v":0},{"$f":"IF(D35=\"Select…\",\"\",D35)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"$F$41*E55","v":0},{"$f":"IF(D35=\"Select…\",\"\",D35)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,{"$f":"$F$41*E56","v":0},{"$f":"IF(D35=\"Select…\",\"\",D35)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,{"$f":"$F$41*E57","v":0},{"$f":"IF(D35=\"Select…\",\"\",D35)","v":""}]
[]
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[null,null,null,{"$f":"IF(E59=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\")","v":"Check : Re-enter , as must total 100%"},null,{"$f":"F50-F59","v":0},"Difference must equal ZERO"]
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[null,null,"Business Name # 3"]
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[]
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[null,null,null,"Tax Year Ended ",null,"2024-06-30",{"$f":"DATE(YEAR(F67)-1+(MONTH(F67)>6),6,30)","v":"2023-06-30"}]
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[null,null,null,"Net Profit ( Loss ) Before Tax "]
[]
[null,null,null,"Add Backs"]
[null,null,null,"Depreciation Add Back"]
[null,null,null,"Interest"]
[null,null,null,"Hire Purchase / Lease Charges "]
[null,null,null,"Other "]
[null,null,null,"Other "]
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[]
[null,null,"Business #3","Gross % Attributable to:","%",{"$f":"IF(D63=\"\",\"\",D63)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E26=\"\",\"\",'Loan Serviceability Calculator'!E26)","v":""},"Applicant 1",null,{"$f":"$F$70*E83","v":0},{"$f":"IF(D64=\"Select…\",\"\",D64)","v":"Partnership"}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"$F$70*E84","v":0},{"$f":"IF(D64=\"Select…\",\"\",D64)","v":"Partnership"}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,{"$f":"$F$70*E85","v":0},{"$f":"IF(D64=\"Select…\",\"\",D64)","v":"Partnership"}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,{"$f":"$F$70*E86","v":0},{"$f":"IF(D64=\"Select…\",\"\",D64)","v":"Partnership"}]
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[null,null,null,{"$f":"IF(E88=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\")","v":"Check : Re-enter , as must total 100%"},null,{"$f":"F79-F88","v":0},"Difference must equal ZERO"]
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[]
[null,null,"Business Name # 4"]
[null,null,"Business Income Type","Select…"]
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[null,null,null,null,null,"Most Recent Financial Year","Previous Financial Year"]
[null,null,null,"Tax Year Ended ",null,"2024-06-30",{"$f":"DATE(YEAR(F96)-1+(MONTH(F96)>6),6,30)","v":"2023-06-30"}]
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[null,null,null,"Net Profit ( Loss ) Before Tax "]
[]
[null,null,null,"Add Backs"]
[null,null,null,"Depreciation Add Back"]
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[null,null,null,"Other "]
[null,null,null,"Other "]
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[]
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[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"$F$99*E113","v":0},{"$f":"IF(D93=\"Select…\",\"\",D93)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,{"$f":"$F$99*E114","v":0},{"$f":"IF(D93=\"Select…\",\"\",D93)","v":""}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,{"$f":"$F$99*E115","v":0},{"$f":"IF(D93=\"Select…\",\"\",D93)","v":""}]
[]
[null,null,null,"Must equate to 100%",{"$f":"SUM(E112:E115)","v":0},{"$f":"SUM(F112:F116)","v":0}]
[null,null,null,{"$f":"IF(E117=100%, \"OK, total = 100%\",\"Check : Re-enter , as must total 100%\")","v":"Check : Re-enter , as must total 100%"},null,{"$f":"F108-F117","v":0},"Difference must equal ZERO"]
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[null,null,"Business Income Summary Totals"]
[null,null,null,"Total Business Income : Sole Trader - Gross"]
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[null,null,{"$f":"IF('Loan Serviceability Calculator'!E27=\"\",\"\",'Loan Serviceability Calculator'!E27)","v":""},"Applicant 2",null,{"$f":"SUMIFS($F$3:$F$118,$D$3:$D$118,\"Applicant 2\",$G$3:$G$118,\"Sole Trader\")","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E28=\"\",\"\",'Loan Serviceability Calculator'!E28)","v":""},"Applicant 3",null,{"$f":"SUMIFS($F$3:$F$118,$D$3:$D$118,\"Applicant 3\",$G$3:$G$118,\"Sole Trader\")","v":0}]
[null,null,{"$f":"IF('Loan Serviceability Calculator'!E29=\"\",\"\",'Loan Serviceability Calculator'!E29)","v":""},"Applicant 4",null,{"$f":"SUMIFS($F$3:$F$118,$D$3:$D$118,\"Applicant 4\",$G$3:$G$118,\"Sole Trader\")","v":0}]
[null,null,null,null,null,{"$f":"SUM(F124:F127)","v":0}]
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[]
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[null,null,null,"Total Business Income : All Other (Company, Partnership, Trust) - Gross",null,null,"Tax","Net"]
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[null,"Company Tax Rate",0.26,"<== Input Cell"]
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[null,"Henderson Benchmark Living Expenses",null,"As at:","March 2023","<== Input Cell"]
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[null,null,"Select…",null,null,null,null,null,null,"Orginal Data"]
["Working","Couple",{"$f":"A11&\" - \"&B11","v":"Working - Couple"},null,2805,"<== Input Cell",null,null,null,"Head in Workforce","Couple","Head in Workforce_Couple",null,2805,"<== Input Cell"]
["Working","Couple Plus 1",{"$f":"A12&\" - \"&B12","v":"Working - Couple Plus 1"},null,3487,"<== Input Cell",null,null,null,"Head not in workforce","Couple","Head not in workforce_Couple",null,2262,"<== Input Cell"]
["Working","Couple Plus 2","Working - Couple Plus 2",null,4169,"<== Input Cell",null,null,null,"Head in Workforce","Couple plus 1","Head in Workforce_Couple plus 1",null,3487,"<== Input Cell"]
["Working","Couple Plus 3","Working - Couple Plus 3",null,4851,"<== Input Cell",null,null,null,"Head not in workforce","Couple plus 1","Head not in workforce_Couple plus 1",null,2945,"<== Input Cell"]
["Working","Couple Plus 4","Working - Couple Plus 4",null,5525,"<== Input Cell",null,null,null,"Head in Workforce","Couple plus2","Head in Workforce_Couple plus2",null,4169,"<== Input Cell"]
["Working","Couple Plus 5","Working - Couple Plus 5",null,6199,"<== Input Cell",null,null,null,"Head not in workforce","Couple plus 2","Head not in workforce_Couple plus 2",null,3626,"<== Input Cell"]
["Working","Couple Plus 6","Working - Couple Plus 6",null,6873,"<== Input Cell",null,null,null,"Head in Workforce","Couple plus 3","Head in Workforce_Couple plus 3",null,4851,"<== Input Cell"]
["Working","Couple Plus 7","Working - Couple Plus 7",null,7547,"<== Input Cell",null,null,null,"Head not in workforce","Couple plus 3","Head not in workforce_Couple plus 3",null,4308,"<== Input Cell"]
["Working","Single Person","Working - Single Person",null,1930,"<== Input Cell",null,null,null,"Head in Workforce","Couple plus 4","Head in Workforce_Couple plus 4",null,5525,"<== Input Cell"]
["Working","Single Parent Plus 1","Working - Single Parent Plus 1",null,2650,"<== Input Cell",null,null,null,"Head not in workforce","Couple plus 4","Head not in workforce_Couple plus 4",null,4983,"<== Input Cell"]
["Working","Single Parent Plus 2","Working - Single Parent Plus 2",null,3332,"<== Input Cell",null,null,null,"Head in Workforce","Single person","Head in Workforce_Single person",null,1930,"<== Input Cell"]
["Working","Single Parent Plus 3","Working - Single Parent Plus 3",null,4014,"<== Input Cell",null,null,null,"Head not in workforce","Single person","Head not in workforce_Single person",null,1387,"<== Input Cell"]
["Working","Single Parent Plus 4","Working - Single Parent Plus 4",null,4696,"<== Input Cell",null,null,null,"Head in Workforce","Single parent plus 1","Head in Workforce_Single parent plus 1",null,2650,"<== Input Cell"]
["Working","Single Parent Plus 5","Working - Single Parent Plus 5",null,5378,"<== Input Cell",null,null,null,"Head not in workforce","Single parent plus 1","Head not in workforce_Single parent plus 1",null,2108,"<== Input Cell"]
["Working","Single Parent Plus 6","Working - Single Parent Plus 6",null,6060,"<== Input Cell",null,null,null,"Head in Workforce","Single parent plus 2","Head in Workforce_Single parent plus 2",null,3332,"<== Input Cell"]
["Working","Single Parent Plus 7","Working - Single Parent Plus 7",null,6742,"<== Input Cell",null,null,null,"Head not in workforce","Single parent plus 2","Head not in workforce_Single parent plus 2",null,2790,"<== Input Cell"]
[null,null,null,null,null,null,null,null,null,"Head in Workforce","Single parent plus 3","Head in Workforce_Single parent plus 3",null,4014,"<== Input Cell"]
["Not Working","Couple","Not Working - Couple",null,2262,"<== Input Cell",null,null,null,"Head not in workforce","Single parent plus 3","Head not in workforce_Single parent plus 3",null,3471,"<== Input Cell"]
["Not Working","Couple Plus 1","Not Working - Couple Plus 1",null,2945,"<== Input Cell",null,null,null,"Head in Workforce","Single parent plus 4","Head in Workforce_Single parent plus 4",null,4696,"<== Input Cell"]
["Not Working","Couple Plus 2","Not Working - Couple Plus 2",null,3626,"<== Input Cell",null,null,null,"Head not in workforce","Single parent plus 4","Head not in workforce_Single parent plus 4",null,4153,"<== Input Cell"]
["Not Working","Couple Plus 3","Not Working - Couple Plus 3",null,4308,"<== Input Cell"]
["Not Working","Couple Plus 4","Not Working - Couple Plus 4",null,4983,"<== Input Cell"]
["Not Working","Couple Plus 5","Not Working - Couple Plus 5",null,5658,"<== Input Cell"]
["Not Working","Couple Plus 6","Not Working - Couple Plus 6",null,6333,"<== Input Cell"]
["Not Working","Couple Plus 7 ","Not Working - Couple Plus 7 ",null,7008,"<== Input Cell"]
["Not Working","Single Person","Not Working - Single Person",null,1387,"<== Input Cell"]
["Not Working","Single Parent Plus 1","Not Working - Single Parent Plus 1",null,2108,"<== Input Cell"]
["Not Working","Single Parent Plus 2","Not Working - Single Parent Plus 2",null,2790,"<== Input Cell"]
["Not Working","Single Parent Plus 3","Not Working - Single Parent Plus 3",null,3471,"<== Input Cell"]
["Not Working","Single Parent Plus 4","Not Working - Single Parent Plus 4",null,4153,"<== Input Cell"]
["Not Working","Single Parent Plus 5","Not Working - Single Parent Plus 5",null,4835,"<== Input Cell"]
["Not Working","Single Parent Plus 6","Not Working - Single Parent Plus 6",null,5517,"<== Input Cell"]
["Not Working","Single Parent Plus 7","Not Working - Single Parent Plus 7",null,6199,"<== Input Cell"]
[]
["Source:"]
["References: Henderson poverty Line - Melbourne Institute of Applied Economic Research"]
["VCOS phone 1800 133340"]
["POVERTY LINE : AUSTRALIA MARCH QTR 2023"]
[]
[null,"Loan Products DROP BOX list","Standard Assessment Rates Mapping"]
[null,"Select if applicable","Select if applicable","Interest Rate","Comparison Rate","Assessment Rate"]
[null,"Standard Plus Variable - Owner Occupied <80% LVR","Standard Plus","5.69% pa","5.85% pa","5.69% pa"]
[null,"Standard Plus Variable - Investment < 80% LVR","Standard Plus - Investment ","5.89% pa","6.05% pa","5.89% pa"]
[null,"Standard Plus Variable - Owner Occupied > 80% LVR","Standard Plus >80 Rate","6.09% pa","6.25% pa","6.09% pa"]
[null,"Standard Plus Variable - Investment > 80% LVR","Standard Plus - Investment >80 Rate","6.29% pa","6.45% pa","6.29% pa"]
[null,"Fixed Rate - 1 year < 80% LVR","Standard Plus","5.19% pa","5.80% pa","5.69% pa"]
[null,"Fixed Rate - 2 years < 80% LVR","Standard Plus","4.99% pa","5.71% pa","5.69% pa"]
[null,"Fixed Rate - 3 years < 80% LVR","Standard Plus","5.19% pa","5.71% pa","5.69% pa"]
[null,"Fixed Rate - 1 year > 80% LVR","Standard Plus >80 Rate","5.19% pa","6.16% pa","6.09% pa"]
[null,"Fixed Rate - 2 years > 80% LVR","Standard Plus >80 Rate","4.99% pa","6.03% pa","6.09% pa"]
[null,"Fixed Rate - 3 years > 80% LVR","Standard Plus >80 Rate","5.19% pa","5.99% pa","6.09% pa"]
[null,"Fixed Rate - 1 year - Investment < 80% LVR","Standard Plus - Investment ","5.49% pa","6.01% pa","5.89% pa"]
[null,"Fixed Rate - 2 years - Investment < 80% LVR","Standard Plus - Investment ","5.29% pa","5.93% pa","5.89% pa"]
[null,"Fixed Rate - 3 years - Investment < 80% LVR","Standard Plus - Investment ","5.49% pa","5.94% pa","5.89% pa","Note: Formula range has been set to row 68 without any mods required - so busines can add in new products when required (Gino Attana 21/11/2023)"]
[null,"Fixed Rate - 1 year - Investment > 80% LVR","Standard Plus - Investment >80 Rate","5.49% pa","6.36% pa","6.29% pa"]
[null,"Fixed Rate - 2 years - Investment > 80% LVR","Standard Plus - Investment >80 Rate","5.29% pa","6.25% pa","6.29% pa"]
[null,"Fixed Rate - 3 years - Investment > 80% LVR","Standard Plus - Investment >80 Rate","5.49% pa","6.22% pa","6.29% pa"]
[]
[]
[null,"Marital or relationship status"]
[null,"Select…"]
[null,"Married"]
[null,"Single"]
[null,"Defacto"]
[null,"Divorced"]
[null,"Widowed"]
[null,"Other"]
[]
[]
[null,"Number of dependants *"]
[null,"Select…"]
[null,0]
[null,1]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,10]
[]
[null,"Number of Loans"]
[null,"Select…"]
[null,0]
[null,1]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,10]
[]
[null,"Number of Securities "]
[null,"Select…"]
[null,0]
[null,1]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,10]
[]
[null,"Investment"]
[null,"Select…"]
[null,"Yes"]
[null,"No"]
[]
[]
[null,"Property Rental Income "]
[null,"Select…"]
[null,"Existing"]
[null,"New"]
[]
[]
[null,"Frequency"]
[null,"Annual"]
[null,"Semi-Annual"]
[null,"Quarterly"]
[null,"Bi-Monthly"]
[null,"Monthly"]
[null,"Semi-Monthly"]
[null,"Bi-Weekly"]
[null,"Weekly"]
[]
[]
[null,"End of Period"]
[null,"Beginning of Period"]
[]
[]
[]
[null,"Business Income Type"]
[null,"Select…"]
[null,"Sole Trader"]
[null,"Company"]
[null,"Partnership"]
[null,"Trust"]

{"sheet":"HEM","index":6,"n_rows":200,"n_cols":48,"rows_kept":200,"cut":false,"hidden":true,"merged":[[3,26,3,40]]}
["Below is a copy/paste of Table 1 in the HPL publication"]
["The relevant column for the HEM is the last column, the column \"Other than Housing in $ per week\". This is because the HEM is net of housing expenditure."]
["In the HPL different poverty lines are computed based on the head of the household's labour force status; This is not the case for the HEM. There is only one HEM."]
["The 'standard' smoothed HEM by family type is presented to the right of HPL Table 1 and is in bold print; This is the smoothed HEM for Australia as a whole. It is calculated based on within family type expenditure on median absolute basics and the 25th percentile discretionary basics (i.e. based on raw data)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Note: PASTE only into the Yellow highlighted cells below . . . The rest are calculated fields"]
["The smoothed HEM values are moving averages over the current and the previous three quarters."]
["Other tables report the HEM numbers by geographic location (State capital and balance of state), 13 different household income groups, and finally by geographic and household income levels. These numbers are obtained by predicting median absolute basic and the 25th percentile of discretionary basics using the estimation results from the quantile regressions.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency"]
["Then, these predicted values are added to get the predicted HEM. Finally, these predicted HEMs are averaged by family type. One exception is for single parents with 3 children. Due to the small sample size, the HEM for this group is simply the HEM for single parents with 2 children plus the increase in the HEM going from 1 to 2 children.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS"]
["The advantage of predicting the HEM is that there simply would not be enough families to get a reliable estimate for single parents with 2 children on more than $100K when trying to use raw data, let alone specifically for less densely populated areas (e.g. Tasmania excl. Hobart)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Smoothed HEM"]
["All HEMs are expressed in June 2024 dollars; Data used is the 2015-16 Household Expenditure Survey (HES)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
["\"HPL Table 1\"",null,null,null,"\"HEM Table 1\" equivalent",null,null,null,null,null,null,null,null,"\"HEM Table 1\" equivalent: by Geographic Location",null,null,null,null,null,null,null,null,null,null,null,null,null,0,26000,39000,51000,64000,77000,103000,129000,154000,180000,206000,257000,321000,386000]
["(Poverty Lines: Australia, March Quarter, 2024)",null,null,null,"BASED ON RAW DATA",null,null,null,null,null,null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS",null,null,null,null,null,null,null,null,null,null,null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
[null,null,null,null,"Smoothed HEM",null,null,null,null,null,null,null,null,null,null,null,"Smoothed HEM",null,null,null,null,null,null,null,null,null,null,26000,39000,51000,64000,77000,103000,129000,154000,180000,206000,257000,321000,386000,643000]
["HEAD IN WORKFORCE","Including Housing $ per week","Other than Housing $ per week",null,"WORKFORCE STATUS HEAD NOT USED","Including Housing $ per week","Other than Housing S per week",null,null,null,"Australia",null,"Sydney","Balance of NSW","Melbourne","Balance of VIC","Brisbane","Balance of QLD","Adelaide","Balance of SA","Perth","Balance of WA","Hobart","Balance of TAS","ACT&NT",null,null,{"$f":"AV16","v":"$0 to $26,000"},{"$f":"AV17","v":"$26,000 to $39,000"},{"$f":"AV18","v":"$39,000 to $51,000"},{"$f":"AV19","v":"$51,000 to $64,000"},{"$f":"AV20","v":"$64,000 to $77,000"},{"$f":"AV21","v":"$77,000 to $103,000"},{"$f":"AV22","v":"$103,000 to $129,000"},{"$f":"AV23","v":"$129,000 to $154,000"},{"$f":"AV24","v":"$154,000 to $180,000"},{"$f":"AV25","v":"$180,000 to $206,000"},{"$f":"AV26","v":"$206,000 to $257,000"},{"$f":"AV27","v":"$257,000 to $321,000"},{"$f":"AV28","v":"$321,000 to $386,000"},{"$f":"AV29","v":"$386,000 to $643,000"},null,null,null,null,null,null,"This is a dynamic Picklist for the model (do not alter)"]
["Couple",819.31,599.24,null,"Couple","-",777.48552884615378,null,null,"Couple",793.99469615453484,null,783.4700218035465,805.05278404494857,796.04461646975142,833.63382492729443,768.29408838508618,827.71486241815649,818.13538984892637,770.74253308875905,749.34694061291134,801.94830433214395,814.20189159736208,803.38266376257604,818.9693154601913,null,"Couple",0,586.7481415313498,603.34424814431554,627.46464943361048,668.9426667324027,732.47262512607142,811.65253829743608,885.36899811115848,967.66327893090215,1010.4808809045049,1073.3002084955115,1196.7851384864184,1343.3383270100026,1380.7263454948334,null,null,null,"Percentage Applied"]
["Couple with 1 child",984.85,744.88,null,"Couple with 1 child","-",1014.6897596153846,null,null,"Couple with 1 child",1033.4517128424798,null,1022.0060543281586,1043.6952689148527,1034.6427106260571,1072.4173287505314,1006.7552984183631,1066.469162060157,1056.8424614178748,1009.2157681405814,987.71462827704261,1040.5755087658652,1052.8895552725023,1042.0169638692878,1057.6805016209539,null,"Couple with 1 child",0,0,693.53649798451374,717.77593722414645,759.45861647129084,823.30198555000743,902.87260976072366,976.95276830028536,1059.6531449986564,1102.6819350119947,1165.8113060732046,1289.9055111304517,1437.1816823547967,1474.7542846825015,null,null,null,0,null,null,{"$f":"_xlfn.CONCAT(TEXT(AB11,\"$0\"),\" to \",TEXT(AB13,\"$0,0\"))","v":"$0 to $26,000"}]
["Couple with 2 children",1150.93,890.52,null,"Couple with 2 children","-",1075.2165865384613,null,null,"Couple with 2 children",1115.4472248182271,null,1104.3072529790877,1125.9418114938062,1116.9120777197654,1154.5913947783806,1089.0949619660116,1148.658219056086,1139.0557547217234,1091.5493154578512,1070.1024125587257,1122.8299236721227,1135.112897211638,1124.2677229507194,1139.8916802344233,null,"Couple with 2 children",0,0,765.24761764872619,789.42586393582542,831.00334362643264,894.68563038364346,974.05546800575894,1047.9486759731176,1130.4403870330402,1173.360599238373,1236.3306711715236,1360.1117399131299,1507.016278009098,1544.4940335570741,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AC11,\"$0,0\"),\" to \",TEXT(AC13,\"$0,0\"))","v":"$26,000 to $39,000"}]
["Couple with 3 children",1315.93,1036.1600000000001,null,"Couple with 3 children","-",1168.2260576923077,null,null,"Couple with 3 children",1167.9656343807017,null,1159.9298991933611,1181.3876944376209,1172.4317250353508,1209.803295956242,1144.8418472898063,1203.9185949491764,1194.3946091711668,1147.2760826601941,1126.0043554214844,1178.3012214710411,1190.4838980410179,1179.7272782118512,1195.2236893212778,null,"Couple with 3 children",0,0,0,848.64940553620681,889.88733939233111,953.04958655966095,1031.7711539797426,1105.0608745204111,1186.8788556521695,1229.4485375566901,1291.9043315512481,1414.6744776288822,1560.379279868557,1597.5509537768814,null,null,null,"Update By:","Gino Attana",null,{"$f":"_xlfn.CONCAT(TEXT(AD11,\"$0,0\"),\" to \",TEXT(AD13,\"$0,0\"))","v":"$39,000 to $51,000"}]
["Couple with 4 children",1481.47,1180.18,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 4 children",0,0,0,{"$f":"AE18+(AE18-AE17)","v":907.87294713658821},{"$f":"AF18+(AF18-AF17)","v":948.77133515822959},1011.4135427356784,1089.4868399537263,1162.1730730677045,1243.3173242712987,1285.5364758750072,1347.4779919309726,1469.2372153446345,1613.742281728016,1650.6078739966888,null,null,null,"Update Date:","2024-09-10",null,{"$f":"_xlfn.CONCAT(TEXT(AE11,\"$0,0\"),\" to \",TEXT(AE13,\"$0,0\"))","v":"$51,000 to $64,000"}]
["Single person",612.47,412.18,null,"Single person","-",363.3210576923077,null,null,"Single person",385.3136073325461,null,374.73522669097071,396.19439276117959,387.23784969352641,424.61173945893819,359.64619627511547,418.72670422344311,409.20208146498072,362.08061258827809,340.80753083698113,393.10771608333113,405.29113301388026,394.53385353743067,410.03125972701406,null,"Couple with 5 children",0,0,0,{"$f":"AE19+(AE19-AE18)","v":967.0964887369696},1007.6553309241281,1069.7774989116961,1147.20252592771,1219.285271614998,1299.755792890428,1341.6244141933244,1403.0516523106971,1523.7999530603868,1667.105283587475,1703.6647942164961,null,null,null,"Update No:","Q2 2024",null,{"$f":"_xlfn.CONCAT(TEXT(AF11,\"$0,0\"),\" to \",TEXT(AF13,\"$0,0\"))","v":"$64,000 to $77,000"}]
["Single parent with 1 child",786.29,566.11,null,"Single parent with 1 child","-",497.74788461538458,null,null,"Single parent with 1 child",527.01684853093411,null,514.95086136176474,536.45011869208736,527.47683482077161,564.92062660264105,499.8336278218087,559.02458237486746,549.48212944236332,502.27259433756899,480.95975535681617,533.35768185054701,545.56388016932613,534.78650329500215,550.31286672157887,null,"Couple with 6 children",0,0,0,1026.320030337351,1066.5393266900264,1128.1414550877137,1204.9182119016937,1276.3974701622915,1356.1942615095572,1397.7123525116415,1458.6253126904217,1578.3626907761391,1720.468285446934,1756.7217144363035,null,null,null,"Release No:",3.25,null,{"$f":"_xlfn.CONCAT(TEXT(AG11,\"$0,0\"),\" to \",TEXT(AG13,\"$0,0\"))","v":"$77,000 to $103,000"}]
["Single parent with 2 children",951.72,711.75,null,"Single parent with 2 children","-",587.61158653846155,null,null,"Single parent with 2 children",636.17532598034143,null,623.38421084262029,645.00949373223534,635.98360975938135,673.64688242994043,608.17836225040651,667.71624871151892,658.11788701619435,610.63162563765957,589.19385385521082,641.89892022797881,654.17666952855825,643.33612646057873,658.95349395805124,null,"Couple with 7 children",0,0,0,1085.5435719377324,1125.4233224559248,1186.5054112637313,1262.6338978756773,1333.509668709585,1412.6327301286865,1453.8002908299586,1514.1989730701462,1632.9254284918914,1773.8312873063931,1809.7786346561109,null,null,null,"10% Hem Removed SM","2024-01-02",null,{"$f":"_xlfn.CONCAT(TEXT(AH11,\"$0,0\"),\" to \",TEXT(AH13,\"$0,0\"))","v":"$103,000 to $129,000"}]
["Single parent with 3 children",1117.26,857.38,null,"Single parent with 3 children","-",677.47528846153853,null,null,"Single parent with 3 children",745.33380342974874,null,731.81756032347585,753.56886877238333,744.49038469799109,782.37313825723982,716.52309667900431,776.40791504817037,766.75364459002537,718.99065693775015,697.42795235360541,750.4401586054106,762.78945888779037,751.8857496261553,767.59412119452361,null,"Couple with 8 children",0,0,0,1144.7671135381138,1184.3073182218232,1244.8693674397489,1320.349583849661,1390.6218672568784,1469.0711987478157,1509.8882291482757,1569.7726334498707,1687.4881662076436,1827.1942891658521,1862.8355548759182,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AI11,\"$0,0\"),\" to \",TEXT(AI13,\"$0,0\"))","v":"$129,000 to $154,000"}]
["Single parent with 4 children",1282.8,1003.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 9 children",0,0,0,1203.9906551384952,1243.1913139877215,1303.2333236157665,1378.0652698236447,1447.7340658041719,1525.509667366945,1565.9761674665929,1625.3462938295952,1742.0509039233959,1880.5572910253111,1915.8924750957256,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AJ11,\"$0,0\"),\" to \",TEXT(AJ13,\"$0,0\"))","v":"$154,000 to $180,000"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 10 children",0,0,0,1263.2141967388766,1302.0753097536199,1361.5972797917841,1435.7809557976284,1504.8462643514654,1581.9481359860742,1622.06410578491,1680.9199542093197,1796.6136416391482,1933.9202928847701,1968.9493953155329,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AK11,\"$0,0\"),\" to \",TEXT(AK13,\"$0,0\"))","v":"$180,000 to $206,000"}]
["HEAD NOT IN WORKFORCE",null,null,null,null,null,null,null,null,"Sample Sizes for different family types",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AL11,\"$0,0\"),\" to \",TEXT(AL13,\"$0,0\"))","v":"$206,000 to $257,000"}]
["Couple",703.46,483.28,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",302.31524134513808,316.98623433131911,333.48732011992109,357.46962741117136,398.71015590703479,461.87637501714954,540.60288591231256,613.89727175603059,695.7203915296966,738.29277494149756,800.75246883810553,923.53035311290159,1069.2443758041836,1106.4183926415567,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AM11,\"$0,0\"),\" to \",TEXT(AM13,\"$0,0\"))","v":"$257,000 to $321,000"}]
["Couple with 1 child",869,629.03,null,null,null,null,null,null,"Couple",2986,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,418.7843568683075,435.31628507404747,459.3434042590867,500.66101142673813,563.9452770505743,642.81898274201399,716.25031823734048,798.22641153539462,840.87834922596858,903.45476905984412,1026.4621208703993,1172.4485364930315,1209.69196231556,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AN11,\"$0,0\"),\" to \",TEXT(AN13,\"$0,0\"))","v":"$321,000 to $386,000"}]
["Couple with 2 children",1034.54,774.67,null,null,null,null,null,null,"Couple with 1 child",622,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,530.70800368721098,547.33683506119257,571.50479776872942,613.06460281661111,676.71983171825366,756.05587450460791,829.91769091229617,912.3742793299034,955.2762365546306,1018.219507343968,1141.9479475556752,1288.7900036797223,1326.2518560205667,null,null,null,null,null,null,{"$f":"_xlfn.CONCAT(TEXT(AO11,\"$0,0\"),\" to \",TEXT(AO13,\"$0,0\"))","v":"$386,000 to $643,000"}]
["Couple with 3 children",1200.0899999999999,920.31,null,null,null,null,null,null,"Couple with 2 children",858,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,659.35738504833762,683.66619127837214,725.4681942064841,789.49438638593301,869.29276626720184,943.58506358725185,1026.5221471244122,1069.6741238832926,1132.9842456280917,1257.4337742409512,1405.1314708664131,1442.8117497255735]
["Couple with 4 children",1365.63,1064.3399999999999,null,null,null,null,null,null,"Couple with 3 or more children",409,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 4 children",0,0,{"$f":"AD30+(AD30-AD29)","v":771.37793503548266},{"$f":"AE30+(AE30-AE29)","v":795.82758478801486},{"$f":"AF30+(AF30-AF29)","v":837.87178559635709},902.26894105361237,982.52965802979577,1057.2524362622075,1140.670014918921,1184.0720112119548,1247.7489839122154,1372.9196009262271,1521.4729380531039,1559.3716434305802]
["Single person",496.62,296.33999999999997,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 5 children",0,0,{"$f":"AD31+(AD31-AD30)","v":883.39848502262771},907.98897829765758,950.27537698623007,1015.0434957212917,1095.7665497923897,1170.9198089371632,1254.8178827134298,1298.4698985406169,1362.5137221963391,1488.405427611503,1637.8144052397947,1675.931537135587]
["Single parent with 1 child",670.33,450.26,null,null,null,null,null,null,"Single person",2705,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 6 children",0,0,995.41903500977276,1020.1503718073003,1062.6789683761031,1127.8180503889712,1209.0034415549835,1284.5871816121189,1368.9657505079385,1412.867785869279,1477.2784604804629,1603.8912542967789,1754.1558724264855,1792.4914308405937]
["Single parent with 2 children",835.87,595.9,null,null,null,null,null,null,"Single parent with 1 child",228,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 7 children",0,0,1107.4395849969178,1132.3117653169429,1175.0825597659759,1240.5926050566507,1322.2403333175773,1398.2545542870746,1483.1136183024473,1527.2656731979412,1592.0431987645866,1719.3770809820548,1870.4973396131763,1909.0513245456004]
["Single parent with 3 children",1001.41,741.54,null,null,null,null,null,null,"Single parent with 2 children",188,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 8 children",0,0,1219.4601349840627,1244.4731588265854,1287.4861511558488,1353.3671597243301,1435.4772250801711,1511.9219269620303,1597.2614860969561,1641.6635605266033,1706.8079370487103,1834.8629076673308,1986.8388067998671,2025.6112182506072]
["Single parent with 4 children",1166.95,887.18,null,null,null,null,null,null,"Single parent with 3 or more children",112,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 9 children",0,0,1331.4806849712077,1356.6345523362279,1399.8897425457217,1466.1417143920096,1548.714116842765,1625.589299636986,1711.4093538914649,1756.0614478552654,1821.572675332834,1950.3487343526067,2103.1802739865579,2142.1711119556139]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Parent with 10 children",0,0,{"$f":"AD36+(AD36-AD35)","v":1443.5012349583526},1468.7959458458704,1512.2933339355945,1578.9162690596891,1661.9510086053588,1739.2566723119417,1825.5572216859737,1870.4593351839276,1936.3374136169577,2065.8345610378828,2219.5217411732488,2258.7310056606207]
[null,null,null,null,null,null,null,null,null,"Total",8108]
[]
[null,null,null,null,null,null,null,null,null,"Sample Sizes for the different income categories (expressed in 2015 dollars)"]
[null,null,null,null,null,null,null,null,null,"$20,000 or less",261]
[null,null,null,null,null,null,null,null,null,"$20,000 to $30,000",1352]
[null,null,null,null,null,null,null,null,null,"$30,000 to $40,000",1074]
[null,null,null,null,null,null,null,null,null,"$40,000 to $50,000",734]
[null,null,null,null,null,null,null,null,null,"$50,000 to $60,000",581]
[null,null,null,null,null,null,null,null,null,"$60,000 to $80,000",889]
[null,null,null,null,null,null,null,null,null,"$80,000 to $100,000",735,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sydney"]
[null,null,null,null,null,null,null,null,null,"$100,000 to $120,000",598,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,554.20000421617794,571.17524895322708,591.43941395484649,629.52750728041428,686.39690583205663,767.66736492726943,837.62496195759729,926.00434653974435,970.93854572552527,1015.2479975182013,1136.8041400129757,1250.3928490889045,1315.8637928562637]
[null,null,null,null,null,null,null,null,null,"$120,000 to $140,000",457,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,662.20826728893053,682.58285104850006,720.87848512185417,778.05775387691813,859.77105298802201,930.10984662687792,1018.970807522344,1064.1498516579752,1108.7007441728331,1230.9192420261641,1345.1269661737804,1410.9545849343706]
[null,null,null,null,null,null,null,null,null,"$140,000 to $160,000",350,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,734.03167953215768,754.45776554203383,792.85024851076264,850.1740440020136,932.09382131533323,1002.6104337522886,1091.6960703036357,1136.9892424680158,1181.6528235463995,1304.1801874057392,1418.6766023489761,1484.6706181529858]
[null,null,null,null,null,null,null,null,null,"$160,000 to $200,000",452,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,836.65996286757866,875.43292364799822,933.32491297230968,1016.0567277997425,1087.2722595897699,1177.2408282580789,1222.983006754964,1268.0892040328954,1391.8310948007684,1507.4623615447049,1574.1104889006585]
[null,null,null,null,null,null,null,null,null,"$200,000 to $250,000",331]
[null,null,null,null,null,null,null,null,null,"$250,000 to $300,000",113,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",279.19100872244042,291.36639158991636,308.24255149804389,328.3884396386062,366.25424515583882,422.79170211162204,503.58776929028284,573.13708705567706,661.00060499211259,705.67249791916663,749.7233813986752,870.56997623203233,983.49573301330884,1048.584575843144]
[null,null,null,null,null,null,null,null,null,"$300,000 to $500,000",181,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,397.47012707476517,414.45138447228891,434.72268313573909,472.82418474028327,529.7135940145796,611.0126722235874,680.99489666094973,769.40537532953545,814.35539285185291,858.68046145327605,980.27937735962166,1093.9080734489942,1159.4021019800753]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,505.8518404591818,522.81768410133918,543.07062656443054,581.13766302031331,637.97552064576325,719.20097118235503,789.11982485326325,877.45026386827374,922.35957795360537,966.64450902592046,1088.1333138781674,1201.6591897094165,1267.0938013301018]
[null,null,null,null,null,null,null,null,null,"Total",8108,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,631.1839837303894,651.41856999312199,689.45114130034335,746.23744727694691,827.38927014112267,897.24475304557677,985.49515240701203,1030.3637630553578,1074.608556598565,1195.9872503967131,1309.4103059698389,1374.7855006801283]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of NSW"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,583.57438185498359,600.54962659203272,620.81379159365213,658.90192171451963,715.77131106733714,797.04177016254982,866.99936719287768,955.37875177502474,1000.3129509608057,1044.6224211511317,1166.1785268506064,1279.7672359265352,1345.2382164891942]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,691.74273267676824,712.11731643633789,750.41295975864091,807.59221926475584,889.30551837585983,959.64431201471564,1048.5052729101815,1093.6843170458128,1138.2352280585687,1260.4537259118997,1374.6613390721279,1440.4890688201065]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,763.64081051154096,784.06685943210425,822.45937021781765,879.78318425372515,961.70296156704467,1032.2195554593436,1121.3051920106907,1166.5983641750709,1211.2619637981111,1333.7893276574505,1448.2857426006876,1514.2797584046971]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,866.56256070751556,905.33552148793513,963.22751081224658,1045.9593256396795,1117.1748574297067,1207.1434073695507,1252.8855858664356,1297.9918206012971,1421.7336739122402,1537.3649406561767,1604.0131054690607]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",308.39396747635226,320.56935034382821,337.4455102519558,357.59139839251804,395.45719933718385,451.99465629296702,532.79072347162787,602.34000465648728,690.20357746372497,734.87545210051167,778.92633558002035,899.77294870364472,1012.6987054849213,1077.7875117342219]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,426.85487768126984,443.83609366950918,464.10739233295936,502.2089399478196,559.09834922211587,640.39741822906058,710.37964266642291,798.79013973913493,843.74015726145251,888.06520745874911,1009.6641417692211,1123.2928378585939,1188.7868295814221]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,535.20998698894971,552.17583063110715,572.42877309419839,610.49580955008128,667.33365798180068,748.55912690585342,818.47798057676164,906.80840120431128,951.71771528964291,996.002646361958,1117.4914696016658,1231.0173086579932,1296.4519570536002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,660.51556759270511,680.75015385543747,718.78267915234301,775.5689667414855,856.72083558264626,926.57631848710037,1014.8266626694876,1059.6952733178332,1103.940085265167,1225.3187974341104,1338.7417794573926,1404.1170845257782]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Melbourne"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,574.37985278860242,591.35509752565156,611.61926252727085,649.70739264813847,706.57675440448111,787.84721349969391,857.80481053002177,946.18417671451891,991.11837590029984,1035.4278276929758,1156.9839701877506,1270.5727528542786,1336.0436598263382]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,682.49806593295091,702.87264969252055,741.1683300106198,798.34756176988776,880.06086088099153,950.39965451984745,1039.2606154153134,1084.4396595509447,1128.9905705637007,1251.2090314212353,1365.4167555688516,1431.2444113252384]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,754.37277538158833,774.79889848077744,813.19134436019328,870.51513985144425,952.4349913433897,1022.9515852356886,1112.0371661530662,1157.3304124960723,1201.9939379404866,1324.5213388891391,1439.0176796537503,1505.0118067256988]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,857.20265441694676,895.97563392583152,953.86762325014297,1036.5994380775755,1107.8149698676029,1197.783519807447,1243.5256983043319,1288.6318955822635,1412.3737863501365,1528.0050530940728,1594.653217906957]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",299.25309085797653,311.42845086261826,328.30461077074585,348.45049891130816,386.31631814624126,442.85375681175714,523.64986971608641,593.19913261067836,681.06266883738135,725.7345983449701,769.78544524394408,890.63207665783591,1003.5577785683104,1068.6466213981455]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,417.65711183404682,434.63832782228616,454.90962648573634,493.01117410059658,549.90054656663995,631.19960637152155,701.1818492130102,789.59232788159591,834.54234540391349,878.86741400533663,1000.4663483158085,1114.0950812134338,1179.5890361280094]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,526.02051318853194,542.98635683068915,563.23929929378062,601.30633574966339,658.14423015003524,739.36964391170511,809.28853435753524,897.61893659762382,942.52825068295556,986.81318175527053,1108.3019682200563,1221.8278440513059,1287.2624924469128]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,651.33438583909219,671.5689721018249,709.6014973987302,766.38791373343054,847.53968145188867,917.39521950206029,1005.6455453136517,1050.5141559619976,1094.7589495052043,1216.1375881243041,1329.560606889178,1394.9359487658162]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of VIC"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,614.58503727131028,631.56028200835931,651.82444700997871,689.91254033554662,746.7819296883639,828.05238878357682,898.00998581390456,986.38937039605173,1031.3235695818325,1075.6330213745086,1197.1891638692832,1310.777872945212,1376.2488167125712]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,722.92232712241605,743.29691088198558,781.59255420428872,838.77181371040365,920.48511282150753,990.82390646036345,1079.6848673558295,1124.8639114914608,1169.4148040063185,1291.6333018596495,1405.8410260072658,1471.6686447678562]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,794.8992197833735,815.32526870393667,853.71777948965018,911.04159352555746,992.96137083887709,1063.4780389098019,1152.563601282523,1197.8567734469032,1242.5203916145999,1365.0477183846267,1479.5441333278636,1545.5381862211862]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,898.13079332243456,936.90375410285412,994.79574342716558,1077.5275582545983,1148.7430900446257,1238.7116587129349,1284.4538372098198,1329.5600344877512,1453.3019252556244,1568.9331919995607,1635.5813193555146]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",339.22360773812295,351.3989677427648,368.27512765089227,388.42099750118723,426.28681673612039,482.82427369190361,563.6203774510991,633.16965863595863,721.0331948626615,765.70510607998278,809.75595297895688,930.6025843928486,1043.5283045935903,1108.6171474234256]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,457.87644988241698,474.85766587065632,495.1289645341065,533.23047534071395,590.11988461501016,671.41895362195487,741.40117805931709,829.81167513202934,874.7616926543468,919.08674285164352,1040.6856587579891,1154.3143548473615,1219.8083833784428]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,566.20343155606315,583.16927519822048,603.42221766131183,641.48925411719472,698.32713932383615,779.55257147296686,849.47142514387508,937.80184577142461,982.71115985675624,1026.9960909290712,1148.4848957813183,1262.0107716125674,1327.4454200081748]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,691.48088452578463,711.71547078851722,749.74803289367549,806.53439403266214,887.68618932397885,957.54167222843307,1045.79201641082,1090.6606270591656,1134.9054390064989,1256.2841328046475,1369.7071883777733,1435.0824566379067]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Brisbane"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,542.01183716508206,558.98708190213108,579.25124690375048,617.33934022931828,674.20873878096074,755.47919787617343,825.4367949065014,913.81617948864834,958.75037867442927,1003.0598488647552,1124.6159545642302,1238.2047372307584,1303.6756442028179]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,649.95368732285067,670.3282710824202,708.62394215157053,765.80317391083838,847.51647302194226,917.85526666079818,1006.7162275562641,1051.8952716918955,1096.4461827046512,1218.6646435621863,1332.8723677098023,1398.7000234661889]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,721.74612281326358,742.17220882313973,780.56469179186865,837.8884872831195,919.80833877506484,990.32495121202021,1079.4105135847415,1124.7037599277473,1169.3672853721616,1291.8947234101272,1406.3910270854255,1472.3851541573738]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,824.25263564458669,863.02559642500637,920.91758574931782,1003.6494005767505,1074.8649323667778,1164.833501035087,1210.5756608035067,1255.6818955383685,1379.4237488493113,1495.0550155932476,1561.7031804061319]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",267.07399924323175,279.24936382044035,296.12552372856794,316.27141186913019,354.13723567663016,410.67467434214603,491.47077810134158,561.02005928620099,648.88357722263663,693.55550673022526,737.60635362919925,858.45298504309108,971.37868695356553,1036.4675297834008]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,385.27770619068059,402.25892677995154,422.53022544340166,460.63172704794584,517.52113632224211,598.82021453125014,668.80243896861236,757.21291763719807,802.16293515951554,846.48800376093868,968.08693807141071,1081.7156341607831,1147.2096258836114]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,493.67042336172597,510.63626700388323,530.88920946697465,568.95624592285753,625.79414032322939,707.01955408489914,776.93840775580736,865.26888354573998,910.17816085614959,954.46309192846468,1075.9519151681725,1189.4777542244999,1254.9124026201071]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,619.01360722781487,639.24819349054769,677.28076479776928,734.06714432421666,815.21889363854814,885.07437654300236,973.32484945428189,1018.1933865527836,1062.4381800959907,1183.8168922649343,1297.2398742882167,1362.6151793566028]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of QLD"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,586.75341295708802,603.72865769413715,623.99282269575644,662.08095281662406,718.95035136826641,800.22081046347921,870.17837069850736,958.55773688300451,1003.4919360687855,1047.8013878614615,1169.3575303562361,1282.9463130227643,1348.4172199948237]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,694.93908621311812,715.31366997268776,753.6093132949909,810.78861904585085,892.50184416536263,962.84063780421855,1051.7016726912766,1096.8806428353157,1141.4316278396636,1263.6500147056065,1377.8577388532228,1443.6853946096094]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,766.84520660338637,787.27132970257537,825.66377558199133,882.98757107324229,964.90742256518763,1035.4240164574867,1124.5095973748644,1169.8028437178702,1214.4663691622848,1336.993770110937,1451.4901108755482,1517.4842379474967]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,869.7987083830742,908.57176280581939,966.46375213013084,1049.1954920437031,1120.4110987475908,1210.3796486874348,1256.1217522704592,1301.2280244622511,1424.969840316264,1540.6011070602003,1607.2492718730844]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",311.55444794186832,323.72980794651011,340.60596785463764,360.7518742854673,398.6176752301331,455.15513218591627,535.95120850971091,605.50047140430286,693.36404421154043,738.03593713859459,782.08682061810327,902.93341545146041,1015.8591905230043,1080.9479601917699]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,430.03502790833352,447.01624389657286,467.28754256002304,505.38909017488328,562.27849944917955,643.5775224458082,713.5598020955498,801.9702807641354,846.92029828645286,891.24533007962327,1012.8442643900954,1126.4729972877208,1191.9669522022962]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,538.38725750535912,555.35310114751644,575.6060436106078,613.67308006649057,670.51093769194051,751.73638822853218,821.65524189944051,909.98571768937302,954.89503177470465,999.17996284701974,1120.6686757619616,1234.1945515932109,1299.6292735386621]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,663.68995839846002,683.92454466119261,721.95706995809792,778.74337593470148,859.89525401125616,929.75068170333122,1018.0011546146106,1062.8697652629564,1107.1145956144162,1228.4930871338279,1341.9161058987011,1407.2915948750281]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Adelaide"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,592.04644441116011,609.02167994938418,629.28585414982842,667.37397507187109,724.24337362351355,805.51379592342653,875.4714297490541,963.85081433120115,1008.7850135169822,1053.0944653096581,1174.6506078044326,1288.2393168803615,1353.7102606477206]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,700.26092222291641,720.63550598248594,758.93118630058518,816.11044580670011,897.82374491780388,968.1625385566598,1057.0234994521256,1102.202543587757,1146.7534361026151,1268.9719339559458,1383.1795841119701,1449.0072768641526]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,772.18056916627359,792.60661808683687,830.99912887255039,888.32286872983207,970.2427202217774,1040.7593141140762,1129.8448764867976,1175.1381228298035,1219.8016297295615,1342.3290677675268,1456.8254827107637,1522.8195356040865]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,875.18696271541933,913.95992349583889,971.85191282015035,1054.5837276475831,1125.7992594376105,1215.7678281059195,1261.5100066028044,1306.6162038807361,1430.358094648609,1545.9892864786848,1612.6374887484992]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",316.81658072308295,328.99194072772468,345.86810520841914,366.01399334898139,403.87979429364719,460.41723295916302,541.21333671835862,610.76261790321803,698.62613583965356,743.2980653472423,787.34891224621629,908.19554366010811,1021.1213004413846,1086.2101432712197]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,435.3299226859844,452.31113867422368,472.58243733767387,510.68398495253405,567.57339422683037,648.87242642552224,718.85465086288445,807.2651479355967,852.21516545791417,896.54021565521089,1018.1390947533037,1131.7678644591817,1197.261892990263]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,543.67735761489166,560.64319206331845,580.89614372014046,618.96314340110121,675.80102860774252,757.02647914433442,826.94535120270348,915.27577183025312,960.18508591558486,1004.4699986004388,1125.9588218401466,1239.4846241215519,1304.9193092920812]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,668.97524545241322,689.20985010260711,727.24230184966837,784.02866298865467,865.1805318631466,935.0360515425225,1023.2863957249095,1068.1550063732557,1112.3997815456667,1233.7785489269895,1347.201383783922,1412.5767255938993]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of SA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,550.5551262225955,567.53037095964464,587.79453596126405,625.88266608213155,682.75205543494906,764.02251453016174,833.9801115604896,922.35949614263666,967.29369532841758,1011.6031655187435,1133.1592712182185,1246.7479802941473,1312.218960856806]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,658.54355622380467,678.91813998337432,717.21378330567734,774.39304281179227,856.10634192289626,926.44513556175207,1015.306096457218,1060.4851405928493,1105.0360516056051,1227.2545494589363,1341.4621626191642,1407.2898923671428]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,730.35771419470052,750.78380020457655,789.17627390097721,846.5000879368846,928.41986525020423,998.93645914250317,1088.0220956938501,1133.3152678582305,1177.9788674812705,1300.5062313406102,1415.0026462838471,1480.9966620878567]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,832.9495729979468,871.72253377836637,929.61452310267782,1012.3463379301105,1083.5618697201378,1173.5304196599818,1219.2725981568667,1264.3788328917285,1388.1206862026715,1503.7519529466078,1570.4001177594919]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",275.56744155029935,287.74280155494108,304.61896146306867,324.76486789389833,362.63066883856413,419.1681257943473,499.96419297300821,569.51347415786756,657.37704696510514,702.04892160189183,746.09980508140063,866.946418205025,979.8721749863015,1044.960981235602]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,393.82399816980427,410.80521415804361,431.07651282149374,469.17806043635397,526.06746971065024,607.36653871759495,677.34876315495728,765.75926022766942,810.70927774998688,855.0343279472836,976.63326225775563,1090.2619583471283,1155.7559500699565]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,502.20901781783306,519.17486145999044,539.4278039230818,577.49484037896457,634.33268881068398,715.55815773473671,785.47701140564493,873.80743203319457,918.71674611852632,963.00167719084129,1084.490500430549,1198.0163394868764,1263.4509878824836]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,627.54450876193732,647.77909502466991,685.81162032157522,742.59790791071771,823.74977675187847,893.60525965633258,981.85560383871973,1026.7242144870656,1070.969026434399,1192.3477386033423,1305.7707206266246,1371.1460256950106]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Perth"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,516.50636570190238,533.48160124012668,553.74576624174597,591.83390556143843,648.70324892013127,729.97370801534407,799.93132344332184,888.31068962781899,933.24488881359991,977.5543590039257,1099.1104831010507,1212.6992657675787,1278.1701359443387]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,624.30922814900532,644.68381190857497,682.97948297772518,740.15872398594195,821.87202309704594,892.21081673590186,981.07175913346975,1026.2508032691012,1070.801732779755,1193.0201936372898,1307.2279177849061,1373.0555735412925]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,696.03684963138244,716.46293564125858,754.85540933765913,812.17921410123836,894.0990655931837,964.61565948548264,1053.7012404028603,1098.9944867458662,1143.6580121902807,1266.1854131389332,1380.6817539035444,1446.6758809754929]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,798.28852165112471,837.06150116000936,894.95347175585562,977.68528658328842,1048.9008371017808,1138.8693870416248,1184.6115655385097,1229.7177628164413,1353.4596535843143,1469.0909203282506,1535.7390851411349]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",241.71739226299317,253.89275455391837,270.76891674832933,290.91480488889164,328.78062412382479,385.31806278934062,466.11416654853616,535.6634385882619,623.52697481496489,668.19890432255363,712.24975122152762,833.09638263541933,946.02208454589379,1011.1109273757289]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,359.763251349982,376.74446733822134,397.01576600167152,435.11730441446855,492.00668608257513,573.30575508951983,643.28798872894538,731.69846739753109,776.64848491984867,820.9735535212717,942.57248783174373,1056.201220729369,1121.6951756439446]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,468.17907713569025,485.14491158411704,505.39785404720845,543.4648996968217,600.30279409719367,681.52820785886342,751.44709830469355,839.77753731970415,884.68681463011387,928.97172731496789,1050.4605321672148,1163.9864079984643,1229.4210563940712]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,593.5453558300128,613.77994209274539,651.81249497917486,708.59890211181221,789.75066062820702,859.60620788044173,947.85660724187721,992.72514434037907,1036.9699011086641,1158.3485765026858,1271.7715952675596,1337.1469371441979]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of WA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,571.13702783569443,588.11227257274345,608.37643757436285,646.46456769523036,703.333929451573,784.60438854678591,854.56202237241337,942.94138855691062,987.87558774269155,1032.1850579330173,1153.7412004277919,1267.3299095037207,1332.8008532710799]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,679.23757093523614,699.61215469480567,737.90782576395588,795.08710376796887,876.80040287907275,947.13919651792867,1036.0001574133946,1081.1792015490259,1125.7300940638838,1247.9485919172148,1362.1562420732389,1427.9839348254213]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,751.10403860423889,771.53012461411492,809.92264467215671,867.24636598478185,949.16621747672718,1019.682811369026,1108.7683922864037,1154.0616386294098,1198.7251455291678,1321.2525835671331,1435.74899851037,1501.7430143143797]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,853.90155642431034,892.6745359331951,950.56652525750656,1033.2983400849394,1104.5138718749665,1194.4824405432755,1240.2246190401604,1285.330816318092,1409.0727070859652,1524.703898916041,1591.3521011858554]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",296.02919346296966,308.20457175787874,325.08073166600627,345.22662437913539,383.09242989636806,439.62986856188394,520.42597232107948,589.97525350593901,677.83877144237442,722.51070094996317,766.56154784893715,887.40817926282898,1000.3339360441055,1065.4226691323365]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,414.41314989964826,431.39437048891921,451.66566915236939,489.76720756516642,546.65658003120984,627.95563983609134,697.93788267757998,786.34836134616569,831.29837886848327,875.62344746990641,997.22232656799918,1110.8510962738774,1176.3451248049585]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,522.77952092604346,539.74536456820067,559.99830703129214,598.065306712253,654.90320111262497,736.12865164921664,806.04750532012474,894.37794433513534,939.28725842046708,983.5721711053211,1105.0609943450288,1218.5867966264345,1284.0214817969636]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,648.09635864748213,668.33094491021484,706.36340585933954,763.1498221940401,844.30166346234193,914.15712796266951,1002.407527324105,1047.2761379724509,1091.5208947407359,1212.8996621220585,1326.3224969789917,1391.6978387889687]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hobart"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,593.86365387598562,610.83889861303464,631.10306361465393,669.1911661390468,726.06054629303935,807.33100538825204,877.2886024185799,965.66798700072707,1010.602186186508,1054.911637979184,1176.4677804739586,1290.0565631404868,1355.5274333172465]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,702.08803360139223,722.46261736096176,760.758297679061,817.93752018937982,899.6508193004837,969.98963143723768,1058.8505738348056,1104.0296179704369,1148.5805104852948,1270.7990083386258,1385.0067324862421,1450.8343512468323]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,774.01225269942574,794.43839434327117,832.8308216780307,890.15463571393798,972.07448720588343,1042.5910810981823,1131.6766434709036,1176.9698898139095,1221.6334338029803,1344.1607605730071,1458.657175516244,1524.6513025881923]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,877.03681067344007,915.80979018232472,973.70176077817109,1056.4335756056039,1127.6491073956313,1217.6176760639403,1263.3598545608252,1308.4660518387568,1432.2079426066298,1547.8392093505661,1614.48733670652]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",318.6231698732243,330.79852987786603,347.67468978599362,367.82057792655587,405.6864063066227,462.22384497213858,543.01994873133413,612.5692207710598,700.43275699776279,745.10468650535154,789.15551511405818,910.00214652795,1022.9278667286917,1088.0167095585271]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,437.14777647017172,454.12899705944261,474.40029572289279,512.50179732743709,569.39120660173319,650.69027560867801,720.67250004604023,809.08299711875236,854.03301464106994,898.35806483836654,1019.9569807447123,1133.5856768340848,1199.0797053651659]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,545.49352391231707,562.4593675544744,582.71231001756587,620.77934647344864,677.61725006755103,758.84266382922078,828.76151750012889,917.09193812767853,962.00125221301028,1006.2862016727863,1127.7749881375721,1241.3008639688214,1306.7355123644288]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,670.78973804950624,691.02432431223895,729.05689561946019,785.84329353336886,866.99505204976356,936.85053495421755,1025.1008791366048,1069.9694897849506,1114.2143385072061,1235.5929955304318,1349.0160511035581,1414.3913193636918]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of TAS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,582.62751920973847,599.6027639467876,619.86692894840689,657.95505906927451,714.82442082561727,796.09487992082995,866.05251374645741,954.43187993095466,999.36600552613629,1043.6755677047113,1165.2315998135869,1278.8203824801151,1344.2912894521744]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,690.79067361281329,711.16525737238294,749.46092844153304,806.64020644554603,888.35350555664991,958.69229919550583,1047.5532600909717,1092.732304226603,1137.2832152393589,1259.5016760968938,1373.7093262529181,1439.5370560008967]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,762.68634486177314,783.11243087164939,821.50487675106535,878.8286722423162,960.74852373426165,1031.2651176265606,1120.3506985439383,1165.6439263422878,1210.3074703313587,1332.8348712800109,1447.3312862232478,1513.3253391165704]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,865.59866279256539,904.37164230145015,962.2636316257616,1044.9954464531945,1116.2109782432217,1206.1795281830657,1251.9217066799506,1297.0279414148122,1420.7697947257552,1536.400986555831,1603.0492262825758]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",307.45261771376357,319.6279777184053,336.50413762653289,356.65002576709514,394.51584500202836,451.0532928126778,531.8493965718734,601.39867775673281,689.26219569316845,733.93412520075719,777.98497209973118,898.83162180389024,1011.7573420046321,1076.8461116733979]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,425.90768630983013,442.88889769703786,463.16019636048799,501.26174397534822,558.15111644139165,639.45017624627314,709.4324190877619,797.8428977563475,842.79291527866496,887.11798388008822,1008.7168813823075,1122.3456142799328,1187.8395691945082]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,534.26361195271443,551.22945559487164,571.48239805796311,609.54943451384588,666.38732891421785,747.6127426758876,817.53163312171773,905.86207213672833,950.77138622205996,995.05631729437505,1116.5451037591608,1230.0709060405661,1295.5056279860173]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,659.57001349270536,679.80459975543818,717.83712505234348,774.62354138704404,855.77530910550206,925.63084715567356,1013.8812465171092,1058.7498571654551,1102.994650708662,1224.3733261360142,1337.7961978011995,1403.1716867775265]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACT & NT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple",0,589.04789425393926,606.0231389909884,626.28730399260769,664.37543411347531,721.24483266511754,802.51525496503075,872.4728887906582,960.85225497515546,1005.7864541609364,1050.0959059536124,1171.6520484483869,1285.240757524316,1350.7117380869745]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 1 child",0,0,697.24603306608776,717.62061682565741,755.91628789480774,813.0955658988205,894.80886500992438,965.14765864878041,1054.0086195442464,1099.1876451819796,1143.7385746926334,1265.9570355501683,1380.1646857061926,1445.9924154541711]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 2 children",0,0,769.15805906475089,789.58410798531418,827.97662804335584,885.30034935598098,967.22020084792644,1037.7367947402254,1126.8223571129465,1172.1156034559524,1216.7791474450232,1339.3065483936759,1453.8029633369129,1519.7970162302354]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple with 3 children",0,0,0,872.13448509741045,910.90746460629521,968.79945393060666,1051.5312500295743,1122.7468005480669,1212.7153504879109,1258.4575289847958,1303.5637262627272,1427.3056170306002,1542.9368088606759,1609.5850485874207]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single person",313.83553235289804,326.01089693010664,342.88705683823423,363.03294497879648,400.89876421372969,457.43618458897816,538.23228834817371,607.7815603878995,695.64509661460238,740.31702612219112,784.36787302116511,905.21452272532417,1018.140242926066,1083.2290857559012]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 1 child",0,432.33032154014705,449.31153292735479,469.58283159080491,507.68437920566515,564.57378847996142,645.87281147659007,715.85505431807883,804.26556979491727,849.21555050898201,893.54065591865799,1015.13959022913,1128.7682495102497,1194.2622780413308]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 2 children",0,540.68046809084592,557.64631173300336,577.89925419609472,615.96624468332493,672.80414827742743,754.02959881401921,823.94845248492743,912.27889149993791,957.18820558526954,1001.4731366575847,1122.9619231223705,1236.4877989536201,1301.922447349227]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single parent with 3 children",0,0,665.98109053865187,686.21567680138446,724.24811016098465,781.03450807489344,862.18638615144835,932.04185065177603,1020.2922132049586,1065.1608606615571,1109.4056173965114,1230.7842560156109,1344.2073483969905,1409.5826166571233]

{"sheet":"Amortisation Schedule_Loan1","index":7,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E42","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":{"$error":"#VALUE!"}},null,null,"Annual"]
[null,null,"Annual Interest Rate",{"$f":"IFERROR('Loan Serviceability Calculator'!H95,0)","v":""},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F42/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan1'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan1'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Loan1'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IFERROR(IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType)),0)","v":0}]
[]
["Yearly Summary"]
[null,"Year","Payments","Additional Payments",null,"Interest Paid","Principal Paid","Year-End\n Balance"]
[null,null,null,null,null,null,null,{"$f":"loan_amount","v":0}]
[null,{"$f":"YEAR(fpdate)","v":2025},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$C$59:$C$840)-SUM(C$24:C24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$D$59:$D$840)-SUM(D$24:D24)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$F$59:$F$840)-SUM(F$24:F24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$G$59:$G$840)-SUM(G$24:G24)","v":0},{"$f":"H24-G25","v":0}]
[null,{"$f":"B25+1","v":2026},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$C$59:$C$840)-SUM(C$24:C25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$D$59:$D$840)-SUM(D$24:D25)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$F$59:$F$840)-SUM(F$24:F25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$G$59:$G$840)-SUM(G$24:G25)","v":0},{"$f":"H25-G26","v":0}]
[null,{"$f":"B26+1","v":2027},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$C$59:$C$840)-SUM(C$24:C26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$D$59:$D$840)-SUM(D$24:D26)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$F$59:$F$840)-SUM(F$24:F26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$G$59:$G$840)-SUM(G$24:G26)","v":0},{"$f":"H26-G27","v":0}]
[null,{"$f":"B27+1","v":2028},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$C$59:$C$840)-SUM(C$24:C27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$D$59:$D$840)-SUM(D$24:D27)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$F$59:$F$840)-SUM(F$24:F27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$G$59:$G$840)-SUM(G$24:G27)","v":0},{"$f":"H27-G28","v":0}]
[null,{"$f":"B28+1","v":2029},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$C$59:$C$840)-SUM(C$24:C28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$D$59:$D$840)-SUM(D$24:D28)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$F$59:$F$840)-SUM(F$24:F28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$G$59:$G$840)-SUM(G$24:G28)","v":0},{"$f":"H28-G29","v":0}]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
[null,null,null,null,null,null,null,{"$f":"$D$5","v":0}]
[{"$f":"IF(H59=\"\",\"\",IF(roundOpt,IF(OR(A59>=nper,ROUND(H59,2)<=0),\"\",A59+1),IF(OR(A59>=nper,H59<=0),\"\",A59+1)))","v":""},{"$f":"IF(A60=\"\",\"\",IF(OR(periods_per_year=26,periods_per_year=52),IF(periods_per_year=26,IF(A60=1,fpdate,B59+14),IF(periods_per_year=52,IF(A60=1,fpdate,B59+7),\"n/a\")),IF(periods_per_year=24,DATE(YEAR(fpdate),MONTH(fpdate)+(A60-1)/2+IF(AND(DAY(fpdate)>=15,MOD(A60,2)=0),1,0),IF(MOD(A60,2)=0,IF(DAY(fpdate)>=15,DAY(fpdate)-14,DAY(fpdate)+14),DAY(fpdate))),IF(DAY(DATE(YEAR(fpdate),MONTH(fpdate)+(A60-1)*months_per_period,DAY(fpdate)))<>DAY(fpdate),DATE(YEAR(fpdate),MONTH(fpdate)+(A60-1)*months_per_period+1,0),DATE(YEAR(fpdate),MONTH(fpdate)+(A60-1)*months_per_period,DAY(fpdate))))))","v":""},{"$f":"IF(A60=\"\",\"\",IF(roundOpt,IF(OR(A60=nper,payment>ROUND((1+rate)*H59,2)),ROUND((1+rate)*H59,2),payment),IF(OR(A60=nper,payment>(1+rate)*H59),(1+rate)*H59,payment)))","v":""},null,null,{"$f":"IF(A60=\"\",\"\",IF(AND(A60=1,pmtType=1),0,IF(roundOpt,ROUND(rate*H59,2),rate*H59)))","v":""},{"$f":"IF(A60=\"\",\"\",C60-F60+D60)","v":""},{"$f":"IF(A60=\"\",\"\",H59-G60)","v":""}]
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[null,null,null,"End"]

{"sheet":"Amortisation Schedule_Loan2","index":8,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E43","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":{"$error":"#VALUE!"}},null,null,"Annual"]
[null,null,"Annual Interest Rate",{"$f":"IFERROR('Loan Serviceability Calculator'!H100,0)","v":""},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F43/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan2'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan2'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Loan2'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IFERROR(IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType)),0)","v":0}]
[]
["Yearly Summary"]
[null,"Year","Payments","Additional Payments",null,"Interest Paid","Principal Paid","Year-End\n Balance"]
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{"sheet":"Amortisation Schedule_Loan3","index":9,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E44","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":{"$error":"#VALUE!"}},null,null,"Annual"]
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[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
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[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan3'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan3'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Loan3'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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[null,null,null,"End"]

{"sheet":"Amortisation Schedule_Loan1_AR","index":10,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
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[null,null,"Annual Interest Rate",{"$f":"IFERROR('Loan Serviceability Calculator'!H97,0)","v":"n/a"},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F42/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
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[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan1_AR'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan1_AR'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Loan1_AR'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Loan2_AR","index":11,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
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[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
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[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan2_AR'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Loan2_AR'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Loan2_AR'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Loan3_AR","index":12,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule"]
[]
[]
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[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
[null,null,null,null,null,null,null,{"$f":"$D$5","v":0}]
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["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
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[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G110+BufferRate","v":0.03},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F110/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL1'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL1'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HL1'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType))","v":{"$error":"#NUM!"}}]
[]
["Yearly Summary"]
[null,"Year","Payments","Additional Payments",null,"Interest Paid","Principal Paid","Year-End\n Balance"]
[null,null,null,null,null,null,null,{"$f":"loan_amount","v":0}]
[null,{"$f":"YEAR(fpdate)","v":2025},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$C$59:$C$840)-SUM(C$24:C24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$D$59:$D$840)-SUM(D$24:D24)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$F$59:$F$840)-SUM(F$24:F24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$G$59:$G$840)-SUM(G$24:G24)","v":0},{"$f":"H24-G25","v":0}]
[null,{"$f":"B25+1","v":2026},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$C$59:$C$840)-SUM(C$24:C25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$D$59:$D$840)-SUM(D$24:D25)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$F$59:$F$840)-SUM(F$24:F25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$G$59:$G$840)-SUM(G$24:G25)","v":0},{"$f":"H25-G26","v":0}]
[null,{"$f":"B26+1","v":2027},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$C$59:$C$840)-SUM(C$24:C26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$D$59:$D$840)-SUM(D$24:D26)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$F$59:$F$840)-SUM(F$24:F26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$G$59:$G$840)-SUM(G$24:G26)","v":0},{"$f":"H26-G27","v":0}]
[null,{"$f":"B27+1","v":2028},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$C$59:$C$840)-SUM(C$24:C27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$D$59:$D$840)-SUM(D$24:D27)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$F$59:$F$840)-SUM(F$24:F27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$G$59:$G$840)-SUM(G$24:G27)","v":0},{"$f":"H27-G28","v":0}]
[null,{"$f":"B28+1","v":2029},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$C$59:$C$840)-SUM(C$24:C28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$D$59:$D$840)-SUM(D$24:D28)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$F$59:$F$840)-SUM(F$24:F28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$G$59:$G$840)-SUM(G$24:G28)","v":0},{"$f":"H28-G29","v":0}]
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[null,2054,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B54,12,31),$C$59:$C$840)-SUM(C$24:C53)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B54,12,31),$D$59:$D$840)-SUM(D$24:D53)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B54,12,31),$F$59:$F$840)-SUM(F$24:F53)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B54,12,31),$G$59:$G$840)-SUM(G$24:G53)","v":0},0]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Exist HL2","index":14,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E111","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":2.5000000000000001E-3},null,null,"Annual"]
[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G111+BufferRate","v":0.03},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F111/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL2'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL2'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HL2'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType))","v":{"$error":"#NUM!"}}]
[]
["Yearly Summary"]
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{"sheet":"Amortisation Schedule_Exist HL3","index":15,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E112","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":2.5000000000000001E-3},null,null,"Annual"]
[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G112+BufferRate","v":0.03},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
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[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
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[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL3'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL3'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HL3'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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[null,null,null,"End"]

{"sheet":"Amortisation Schedule_Exist HL4","index":16,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
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[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G113+BufferRate","v":0.03},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
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[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
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[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL4'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HL4'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HL4'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Exist CL1","index":17,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
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[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist CL1'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist CL1'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Exist CL2","index":18,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
[null,null,null,null,null,null,null,{"$f":"$D$5","v":0}]
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[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G116+BufferRate1","v":0},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
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[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist CL3'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist CL3'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist CL3'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType))","v":{"$error":"#NUM!"}}]
[]
["Yearly Summary"]
[null,"Year","Payments","Additional Payments",null,"Interest Paid","Principal Paid","Year-End\n Balance"]
[null,null,null,null,null,null,null,{"$f":"loan_amount","v":0}]
[null,{"$f":"YEAR(fpdate)","v":2025},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$C$59:$C$840)-SUM(C$24:C24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$D$59:$D$840)-SUM(D$24:D24)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$F$59:$F$840)-SUM(F$24:F24)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B25,12,31),$G$59:$G$840)-SUM(G$24:G24)","v":0},{"$f":"H24-G25","v":0}]
[null,{"$f":"B25+1","v":2026},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$C$59:$C$840)-SUM(C$24:C25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$D$59:$D$840)-SUM(D$24:D25)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$F$59:$F$840)-SUM(F$24:F25)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B26,12,31),$G$59:$G$840)-SUM(G$24:G25)","v":0},{"$f":"H25-G26","v":0}]
[null,{"$f":"B26+1","v":2027},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$C$59:$C$840)-SUM(C$24:C26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$D$59:$D$840)-SUM(D$24:D26)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$F$59:$F$840)-SUM(F$24:F26)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B27,12,31),$G$59:$G$840)-SUM(G$24:G26)","v":0},{"$f":"H26-G27","v":0}]
[null,{"$f":"B27+1","v":2028},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$C$59:$C$840)-SUM(C$24:C27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$D$59:$D$840)-SUM(D$24:D27)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$F$59:$F$840)-SUM(F$24:F27)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B28,12,31),$G$59:$G$840)-SUM(G$24:G27)","v":0},{"$f":"H27-G28","v":0}]
[null,{"$f":"B28+1","v":2029},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$C$59:$C$840)-SUM(C$24:C28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$D$59:$D$840)-SUM(D$24:D28)","v":0},null,{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$F$59:$F$840)-SUM(F$24:F28)","v":0},{"$f":"SUMIF($B$59:$B$840,\"<=\"&DATE($B29,12,31),$G$59:$G$840)-SUM(G$24:G28)","v":0},{"$f":"H28-G29","v":0}]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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[null,null,null,"End"]

{"sheet":"Amortisation Schedule_Exist CL4","index":20,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E117","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":0},null,null,"Annual"]
[null,null,"Annual Interest Rate",{"$f":"'Loan Serviceability Calculator'!G117+BufferRate1","v":0},null,null,"Total Payments",{"$f":"SUM(F60:F839)+SUM(G60:G839)","v":0},null,null,"Semi-Annual"]
[null,null,"Term of Loan in Years",{"$f":"'Loan Serviceability Calculator'!F117/12","v":0},null,null,"Total Interest",{"$f":"SUM(F59:F839)","v":0},null,null,"Quarterly"]
[null,null,"First Payment Date",{"$f":"NOW()","v":"2025-06-06T10:00:07.580"},null,null,"Est. Interest Savings",{"$f":"IF(AND(SUM(D60:D839)=0,roundOpt),\" - \",(nper*(-PMT(rate,nper,loan_amount,,pmtType))-loan_amount)-H7)","v":" - "},null,null,"Bi-Monthly"]
[null,null,"Payment Frequency","Monthly",null,null,null,{"$f":"IF(AND(NOT(H839=\"\"),H839>0.004),\"ERROR: Limit is \"&OFFSET(A840,-1,0,1,1)&\" payments\",\".\")","v":"."},null,null,"Monthly"]
[null,null,"Compound Period",{"$f":"D9","v":"Monthly"},null,null,null,{"$f":"IF(D14>D13,\"Warning: negative amortization\",\".\")","v":"."},null,null,"Semi-Monthly"]
[null,null,"Payment Type","End of Period",null,null,null,null,null,null,"Bi-Weekly"]
[null,null,"Rounding","On",null,null,null,null,null,null,"Weekly"]
[null,null,"Periods Per Year",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist CL4'!$D$9,$K$5:$K$12,0))","v":12}]
[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist CL4'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist CL4'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
[null,null,{"$f":"D9&\" Payment\"","v":"Monthly Payment"},{"$f":"IF(roundOpt,ROUND(-PMT(rate,nper,$D$5,,pmtType),2),-PMT(rate,nper,$D$5,,pmtType))","v":{"$error":"#NUM!"}}]
[]
["Yearly Summary"]
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{"sheet":"Amortisation Schedule_Exist HP1","index":21,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
[null,null,"Loan Amount",{"$f":"'Loan Serviceability Calculator'!E119","v":0},null,null,"Rate (per period)",{"$f":"IF(D9=D10,D6/D14,((1+D6/D14)^(D14/D13))-1)","v":0},null,null,"Annual"]
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[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HP1'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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[null,null,null,"End"]

{"sheet":"Amortisation Schedule_Exist HP2","index":22,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
["Loan Information",null,null,null,null,"Summary",null,null,null,null,"Frequency"]
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[null,null,"Compound Period",{"$f":"INDEX({1;2;4;6;12;24;26;52},MATCH('Amortisation Schedule_Exist HP2'!$D$10,$K$5:$K$12,0))","v":12}]
[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist HP2'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
[null,null,"Number of Periods",{"$f":"$D$7*$D$13","v":0}]
[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
[null,null,null,null,null,null,null,"[42]"]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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{"sheet":"Amortisation Schedule_Exist Oth","index":23,"n_rows":840,"n_cols":11,"rows_kept":840,"cut":false,"hidden":true,"merged":[]}
["Loan Amortisation Schedule : Exising Loan (Buffer %)"]
[]
[]
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[null,null,"Payment Type",{"$f":"IF('Amortisation Schedule_Exist Oth'!$D$11=\"End of Period\",0,1)","v":0}]
[null,null,"Months Per Period",{"$f":"12/$D$13","v":1}]
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[null,null,"Rounding Option",{"$f":"(D12=\"On\")","v":true}]
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[]
["Yearly Summary"]
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[]
["Amortisation Schedule"]
["No.","Due\nDate","Payment\nDue","Additional Payment",null,"Interest","Principal","Balance"]
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[null,null,null,null,null,null,null,null,"Sub-Total",{"$f":"SUM(J16:J17)","v":0},null,null,null,null,null,null,null,null,null,null,"Other",0]
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[null,null,null,null,null,null,null,null,"Tax Payable",{"$f":"SUM(J18:J19)","v":0},null,"Tax Offsets Information"]
[null,null,null,null,null,null,null,null,null,null,null,"Low Income Tax Offset"]
[null,null,null,null,null,null,null,null,"Ave Tax Rate",{"$f":"J20/J15","v":{"$error":"#DIV/0!"}},null,"Medicare levy",null,null,null,null,null,null,null,null,{"$f":"IF(W23<0,\"Net Tax Refund- but see note below)\",\"Net Tax Payable\")","v":"Net Tax Payable"}]
[null,null,null,null,null,null,null,null,null,null,null,"Medicare Levy Surcharge",null,null,null,null,null,null,null,null,null,null,{"$f":"W11-W19","v":0},{"$f":"W23/12","v":0},{"$f":"W23/52","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"2022-23 Tax Scale Information",null,null,null,null,null,null,null,null,"Income after tax",null,{"$f":"W9-W23","v":0},{"$f":"W24/12","v":0},{"$f":"W24/52","v":0}]
[]
[]
[]
[null,null,null,null,null,null,null,null,"How New LITO is calculated"]
[null,null,null,null,null,null,null,null,"The full Low Income Tax Offset is $700 (from 1 July 2020)"]
[]
[null,null,null,null,null,null,null,null,"Taxable Income",null,"LITO Offset Amount/Formula"]
[null,null,null,null,null,null,null,null,"0 – $37,500",null,700,null,{"$f":"AND(J15>0,J15<37501)","v":false},{"$f":"IF(M32,700,0)","v":0}]
[null,null,null,null,null,null,null,null,"$37,501 – $45,000",null,"$700 - [(taxable income - $37,500) x 5%]",null,{"$f":"AND(J15>37500,J15<45001)","v":false},{"$f":"IF(M33,700-(J15-37500)*0.05,0)","v":0}]
[null,null,null,null,null,null,null,null,"$45,001 – $66,667",null,"$325 - [(taxable income - $45,000) x 1.5%]",null,{"$f":"AND(J15>45000,J15<66667.01)","v":false},{"$f":"IF(M34,325-(J15-45000)*0.015,0)","v":0}]
[null,null,null,null,null,null,null,null,"$66,667+",null,"nil",null,{"$f":"AND(J15>66667)","v":false},{"$f":"IF(M35,0)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"N36","v":0},"chk tot",{"$f":"SUM(N32:N35)","v":0}]
[]
[null,null,null,null,null,null,null,null,"LITO raw total",null,null,{"$f":"N36","v":0}]
[null,null,null,null,null,null,null,null,"LITO rounded",null,null,{"$f":"ROUND(L38,0)","v":0}]
[null,null,null,null,null,null,null,null,"LITO limited to tax payable",null,null,{"$f":"IF(L39>J16,J16,L39)","v":0}]

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[]
[null,null,null,null,null,{"$f":"Applicant1_Tax!F6","v":"2024 Tax Year"}]
[null,null,null,null,null,null,null,null,"Taxable income",null,null,"Tax on this income"]
[null,null,null,null,null,null,null,null,"From","To",null,null,null,null,null,null,"LITO","LMITO",null,null,"Scratch Pad",null,"Annual","Month","Week"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I9","v":0},{"$f":"Applicant1_Tax!J9","v":18200},null,{"$f":"Applicant1_Tax!L9","v":"Nil"},{"$f":"AND($J$15>(I9-1),$J$15<(J9+1))","v":true},{"$f":"Applicant1_Tax!N9","v":0},{"$f":"Applicant1_Tax!O9","v":0},{"$f":"IF(M9=TRUE,N9+($J$15-I9+1)*O9,0)","v":0},{"$f":"IF(M9=TRUE,0,0)","v":0},null,null,null,"Income ",null,{"$f":"J15","v":0},{"$f":"W9/12","v":0},{"$f":"W9/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I10","v":18201},{"$f":"Applicant1_Tax!J10","v":45000},null,{"$f":"Applicant1_Tax!L10","v":"16c for each $1 over $18,200"},{"$f":"AND($J$15>(I10-1),$J$15<(J10+1))","v":false},{"$f":"Applicant1_Tax!N10","v":0},{"$f":"Applicant1_Tax!O10","v":0.16},{"$f":"IF(M10=TRUE,N10+($J$15-I10+1)*O10,0)","v":0},{"$f":"IF(M10=TRUE,0,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I11","v":45001},{"$f":"Applicant1_Tax!J11","v":135000},null,{"$f":"Applicant1_Tax!L11","v":"$4,288 plus 30c for each $1 over $45,000"},{"$f":"AND($J$15>(I11-1),$J$15<(J11+1))","v":false},{"$f":"Applicant1_Tax!N11","v":4288},{"$f":"Applicant1_Tax!O11","v":0.3},{"$f":"IF(M11=TRUE,N11+($J$15-I11+1)*O11,0)","v":0},{"$f":"IF(M11=TRUE,0.015,0)","v":0},null,null,null,"Tax + medicare",null,{"$f":"J20","v":0},{"$f":"W11/12","v":0},{"$f":"W11/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I12","v":135001},{"$f":"Applicant1_Tax!J12","v":190000},null,{"$f":"Applicant1_Tax!L12","v":"$31,288 plus 37c for each $1 over $135,000"},{"$f":"AND($J$15>(I12-1),$J$15<(J12+1))","v":false},{"$f":"Applicant1_Tax!N12","v":31288},{"$f":"Applicant1_Tax!O12","v":0.37},{"$f":"IF(M12=TRUE,N12+($J$15-I12+1)*O12,0)","v":0},{"$f":"IF(M12=TRUE,0.015,0)","v":0},null,null,null,"Offsets & credits"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I13","v":190001},{"$f":"Applicant1_Tax!J13","v":"above **"},null,{"$f":"Applicant1_Tax!L13","v":"$51,638 plus 45c for each $1 over $190,000"},{"$f":"AND($J$15>(I13-1),$J$15<(5E+41+1))","v":false},{"$f":"Applicant1_Tax!N13","v":51638},{"$f":"Applicant1_Tax!O13","v":0.45},{"$f":"IF(M13=TRUE,N13+($J$15-I13+1)*O13,0)","v":0},{"$f":"IF(M13=TRUE,0.015,0)","v":0},null,null,null,"TIDs/WH",0]
[null,null,null,null,null,null,null,null,null,null,null,null,true,"<<medicare tick condition",null,null,{"$f":"SUM(Q9:Q13)","v":0},null,null,null,"Franking",0]
[null,null,null,null,null,null,null,null,"Applicant 2 Income",{"$f":"'Loan Serviceability Calculator'!F78","v":0},null,null,null,null,"Rounded>>",{"$f":"(SUM(P9:P14)*100-MOD(SUM(P9:P14)*100,10)+IF(MOD(SUM(P9:P14)*100,10)<2.5,0,IF(MOD(SUM(P9:P14)*100,10)<7.5,5,10)))/100","v":0},null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Tax thereon",{"$f":"P15","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!H17","v":0.02},"Medicare",{"$f":"IF(M14=TRUE, J15*H17,0)","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Sub-Total",{"$f":"SUM(J16:J17)","v":0},null,null,null,null,null,null,null,null,null,null,"Other",0]
[null,null,null,null,null,null,null,null,"Less: LITO offset",{"$f":"-L40","v":0},{"$f":"IF(J16<J23,\"limited to tax payable\",\"\")","v":""},null,null,null,null,null,null,null,null,null,"Subtotal",null,{"$f":"SUM(V13:V18)","v":0},{"$f":"W19/12","v":0},{"$f":"W19/52","v":0}]
[null,null,null,null,null,null,null,null,"Tax Payable",{"$f":"SUM(J18:J19)","v":0},null,"Tax Offsets Information"]
[null,null,null,null,null,null,null,null,null,null,null,"Low Income Tax Offset"]
[null,null,null,null,null,null,null,null,"Ave Tax Rate",{"$f":"J20/J15","v":{"$error":"#DIV/0!"}},null,"Medicare levy",null,null,null,null,null,null,null,null,{"$f":"IF(W23<0,\"Net Tax Refund- but see note below)\",\"Net Tax Payable\")","v":"Net Tax Payable"}]
[null,null,null,null,null,null,null,null,null,null,null,"Medicare Levy Surcharge",null,null,null,null,null,null,null,null,null,null,{"$f":"W11-W19","v":0},{"$f":"W23/12","v":0},{"$f":"W23/52","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"2022-23 Tax Scale Information",null,null,null,null,null,null,null,null,"Income after tax",null,{"$f":"W9-W23","v":0},{"$f":"W24/12","v":0},{"$f":"W24/52","v":0}]
[]
[]
[]
[null,null,null,null,null,null,null,null,"How New LITO is calculated"]
[null,null,null,null,null,null,null,null,"The full Low Income Tax Offset is $700 (from 1 July 2020)"]
[]
[null,null,null,null,null,null,null,null,"Taxable Income",null,"LITO Offset Amount/Formula"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I32","v":"0 – $37,500"},null,{"$f":"Applicant1_Tax!K32","v":700},null,{"$f":"AND(J15>0,J15<37501)","v":false},{"$f":"IF(M32,700,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I33","v":"$37,501 – $45,000"},null,{"$f":"Applicant1_Tax!K33","v":"$700 - [(taxable income - $37,500) x 5%]"},null,{"$f":"AND(J15>37500,J15<45001)","v":false},{"$f":"IF(M33,700-(J15-37500)*0.05,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I34","v":"$45,001 – $66,667"},null,{"$f":"Applicant1_Tax!K34","v":"$325 - [(taxable income - $45,000) x 1.5%]"},null,{"$f":"AND(J15>45000,J15<66667.01)","v":false},{"$f":"IF(M34,325-(J15-45000)*0.015,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I35","v":"$66,667+"},null,{"$f":"Applicant1_Tax!K35","v":"nil"},null,{"$f":"AND(J15>66667)","v":false},{"$f":"IF(M35,0)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"N36","v":0},"chk tot",{"$f":"SUM(N32:N35)","v":0}]
[]
[null,null,null,null,null,null,null,null,"LITO raw total",null,null,{"$f":"N36","v":0}]
[null,null,null,null,null,null,null,null,"LITO rounded",null,null,{"$f":"ROUND(L38,0)","v":0}]
[null,null,null,null,null,null,null,null,"LITO limited to tax payable",null,null,{"$f":"IF(L39>J16,J16,L39)","v":0}]

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[null,null,null,null,null,{"$f":"Applicant1_Tax!F3","v":2024},null,null,"The tax year from 1 July 2022 to 30 June 2023 (also applies to 2023-24)"]
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[]
[null,null,null,null,null,{"$f":"Applicant1_Tax!F6","v":"2024 Tax Year"}]
[null,null,null,null,null,null,null,null,"Taxable income",null,null,"Tax on this income"]
[null,null,null,null,null,null,null,null,"From","To",null,null,null,null,null,null,"LITO","LMITO",null,null,"Scratch Pad",null,"Annual","Month","Week"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I9","v":0},{"$f":"Applicant1_Tax!J9","v":18200},null,{"$f":"Applicant1_Tax!L9","v":"Nil"},{"$f":"AND($J$15>(I9-1),$J$15<(J9+1))","v":true},{"$f":"Applicant1_Tax!N9","v":0},{"$f":"Applicant1_Tax!O9","v":0},{"$f":"IF(M9=TRUE,N9+($J$15-I9+1)*O9,0)","v":0},{"$f":"IF(M9=TRUE,0,0)","v":0},null,null,null,"Income ",null,{"$f":"J15","v":0},{"$f":"W9/12","v":0},{"$f":"W9/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I10","v":18201},{"$f":"Applicant1_Tax!J10","v":45000},null,{"$f":"Applicant1_Tax!L10","v":"16c for each $1 over $18,200"},{"$f":"AND($J$15>(I10-1),$J$15<(J10+1))","v":false},{"$f":"Applicant1_Tax!N10","v":0},{"$f":"Applicant1_Tax!O10","v":0.16},{"$f":"IF(M10=TRUE,N10+($J$15-I10+1)*O10,0)","v":0},{"$f":"IF(M10=TRUE,0,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I11","v":45001},{"$f":"Applicant1_Tax!J11","v":135000},null,{"$f":"Applicant1_Tax!L11","v":"$4,288 plus 30c for each $1 over $45,000"},{"$f":"AND($J$15>(I11-1),$J$15<(J11+1))","v":false},{"$f":"Applicant1_Tax!N11","v":4288},{"$f":"Applicant1_Tax!O11","v":0.3},{"$f":"IF(M11=TRUE,N11+($J$15-I11+1)*O11,0)","v":0},{"$f":"IF(M11=TRUE,0.015,0)","v":0},null,null,null,"Tax + medicare",null,{"$f":"J20","v":0},{"$f":"W11/12","v":0},{"$f":"W11/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I12","v":135001},{"$f":"Applicant1_Tax!J12","v":190000},null,{"$f":"Applicant1_Tax!L12","v":"$31,288 plus 37c for each $1 over $135,000"},{"$f":"AND($J$15>(I12-1),$J$15<(J12+1))","v":false},{"$f":"Applicant1_Tax!N12","v":31288},{"$f":"Applicant1_Tax!O12","v":0.37},{"$f":"IF(M12=TRUE,N12+($J$15-I12+1)*O12,0)","v":0},{"$f":"IF(M12=TRUE,0.015,0)","v":0},null,null,null,"Offsets & credits"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I13","v":190001},{"$f":"Applicant1_Tax!J13","v":"above **"},null,{"$f":"Applicant1_Tax!L13","v":"$51,638 plus 45c for each $1 over $190,000"},{"$f":"AND($J$15>(I13-1),$J$15<(5E+41+1))","v":false},{"$f":"Applicant1_Tax!N13","v":51638},{"$f":"Applicant1_Tax!O13","v":0.45},{"$f":"IF(M13=TRUE,N13+($J$15-I13+1)*O13,0)","v":0},{"$f":"IF(M13=TRUE,0.015,0)","v":0},null,null,null,"TIDs/WH",0]
[null,null,null,null,null,null,null,null,null,null,null,null,true,"<<medicare tick condition",null,null,{"$f":"SUM(Q9:Q13)","v":0},null,null,null,"Franking",0]
[null,null,null,null,null,null,null,null,"Applicant 3 Income",{"$f":"'Loan Serviceability Calculator'!G78","v":0},null,null,null,null,"Rounded>>",{"$f":"(SUM(P9:P14)*100-MOD(SUM(P9:P14)*100,10)+IF(MOD(SUM(P9:P14)*100,10)<2.5,0,IF(MOD(SUM(P9:P14)*100,10)<7.5,5,10)))/100","v":0},null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Tax thereon",{"$f":"P15","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!H17","v":0.02},"Medicare",{"$f":"IF(M14=TRUE, J15*H17,0)","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Sub-Total",{"$f":"SUM(J16:J17)","v":0},null,null,null,null,null,null,null,null,null,null,"Other",0]
[null,null,null,null,null,null,null,null,"Less: LITO offset",{"$f":"-L40","v":0},{"$f":"IF(J16<J23,\"limited to tax payable\",\"\")","v":""},null,null,null,null,null,null,null,null,null,"Subtotal",null,{"$f":"SUM(V13:V18)","v":0},{"$f":"W19/12","v":0},{"$f":"W19/52","v":0}]
[null,null,null,null,null,null,null,null,"Tax Payable",{"$f":"SUM(J18:J19)","v":0},null,"Tax Offsets Information"]
[null,null,null,null,null,null,null,null,null,null,null,"Low Income Tax Offset"]
[null,null,null,null,null,null,null,null,"Ave Tax Rate",{"$f":"J20/J15","v":{"$error":"#DIV/0!"}},null,"Medicare levy",null,null,null,null,null,null,null,null,{"$f":"IF(W23<0,\"Net Tax Refund- but see note below)\",\"Net Tax Payable\")","v":"Net Tax Payable"}]
[null,null,null,null,null,null,null,null,null,null,null,"Medicare Levy Surcharge",null,null,null,null,null,null,null,null,null,null,{"$f":"W11-W19","v":0},{"$f":"W23/12","v":0},{"$f":"W23/52","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"2022-23 Tax Scale Information",null,null,null,null,null,null,null,null,"Income after tax",null,{"$f":"W9-W23","v":0},{"$f":"W24/12","v":0},{"$f":"W24/52","v":0}]
[]
[]
[]
[null,null,null,null,null,null,null,null,"How New LITO is calculated"]
[null,null,null,null,null,null,null,null,"The full Low Income Tax Offset is $700 (from 1 July 2020)"]
[]
[null,null,null,null,null,null,null,null,"Taxable Income",null,"LITO Offset Amount/Formula"]
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[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I33","v":"$37,501 – $45,000"},null,{"$f":"Applicant1_Tax!K33","v":"$700 - [(taxable income - $37,500) x 5%]"},null,{"$f":"AND(J15>37500,J15<45001)","v":false},{"$f":"IF(M33,700-(J15-37500)*0.05,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I34","v":"$45,001 – $66,667"},null,{"$f":"Applicant1_Tax!K34","v":"$325 - [(taxable income - $45,000) x 1.5%]"},null,{"$f":"AND(J15>45000,J15<66667.01)","v":false},{"$f":"IF(M34,325-(J15-45000)*0.015,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I35","v":"$66,667+"},null,{"$f":"Applicant1_Tax!K35","v":"nil"},null,{"$f":"AND(J15>66667)","v":false},{"$f":"IF(M35,0)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"N36","v":0},"chk tot",{"$f":"SUM(N32:N35)","v":0}]
[]
[null,null,null,null,null,null,null,null,"LITO raw total",null,null,{"$f":"N36","v":0}]
[null,null,null,null,null,null,null,null,"LITO rounded",null,null,{"$f":"ROUND(L38,0)","v":0}]
[null,null,null,null,null,null,null,null,"LITO limited to tax payable",null,null,{"$f":"IF(L39>J16,J16,L39)","v":0}]

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[null,null,"www.atotaxrates.info",null,null,null,null,"Resident Adult Individual Tax Calculations"]
[]
[null,null,null,null,null,{"$f":"Applicant1_Tax!F3","v":2024},null,null,"The tax year from 1 July 2022 to 30 June 2023 (also applies to 2023-24)"]
[]
[]
[null,null,null,null,null,{"$f":"Applicant1_Tax!F6","v":"2024 Tax Year"}]
[null,null,null,null,null,null,null,null,"Taxable income",null,null,"Tax on this income"]
[null,null,null,null,null,null,null,null,"From","To",null,null,null,null,null,null,"LITO","LMITO",null,null,"Scratch Pad",null,"Annual","Month","Week"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I9","v":0},{"$f":"Applicant1_Tax!J9","v":18200},null,{"$f":"Applicant1_Tax!L9","v":"Nil"},{"$f":"AND($J$15>(I9-1),$J$15<(J9+1))","v":true},{"$f":"Applicant1_Tax!N9","v":0},{"$f":"Applicant1_Tax!O9","v":0},{"$f":"IF(M9=TRUE,N9+($J$15-I9+1)*O9,0)","v":0},{"$f":"IF(M9=TRUE,0,0)","v":0},null,null,null,"Income ",null,{"$f":"J15","v":0},{"$f":"W9/12","v":0},{"$f":"W9/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I10","v":18201},{"$f":"Applicant1_Tax!J10","v":45000},null,{"$f":"Applicant1_Tax!L10","v":"16c for each $1 over $18,200"},{"$f":"AND($J$15>(I10-1),$J$15<(J10+1))","v":false},{"$f":"Applicant1_Tax!N10","v":0},{"$f":"Applicant1_Tax!O10","v":0.16},{"$f":"IF(M10=TRUE,N10+($J$15-I10+1)*O10,0)","v":0},{"$f":"IF(M10=TRUE,0,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I11","v":45001},{"$f":"Applicant1_Tax!J11","v":135000},null,{"$f":"Applicant1_Tax!L11","v":"$4,288 plus 30c for each $1 over $45,000"},{"$f":"AND($J$15>(I11-1),$J$15<(J11+1))","v":false},{"$f":"Applicant1_Tax!N11","v":4288},{"$f":"Applicant1_Tax!O11","v":0.3},{"$f":"IF(M11=TRUE,N11+($J$15-I11+1)*O11,0)","v":0},{"$f":"IF(M11=TRUE,0.015,0)","v":0},null,null,null,"Tax + medicare",null,{"$f":"J20","v":0},{"$f":"W11/12","v":0},{"$f":"W11/52","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I12","v":135001},{"$f":"Applicant1_Tax!J12","v":190000},null,{"$f":"Applicant1_Tax!L12","v":"$31,288 plus 37c for each $1 over $135,000"},{"$f":"AND($J$15>(I12-1),$J$15<(J12+1))","v":false},{"$f":"Applicant1_Tax!N12","v":31288},{"$f":"Applicant1_Tax!O12","v":0.37},{"$f":"IF(M12=TRUE,N12+($J$15-I12+1)*O12,0)","v":0},{"$f":"IF(M12=TRUE,0.015,0)","v":0},null,null,null,"Offsets & credits"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I13","v":190001},{"$f":"Applicant1_Tax!J13","v":"above **"},null,{"$f":"Applicant1_Tax!L13","v":"$51,638 plus 45c for each $1 over $190,000"},{"$f":"AND($J$15>(I13-1),$J$15<(5E+41+1))","v":false},{"$f":"Applicant1_Tax!N13","v":51638},{"$f":"Applicant1_Tax!O13","v":0.45},{"$f":"IF(M13=TRUE,N13+($J$15-I13+1)*O13,0)","v":0},{"$f":"IF(M13=TRUE,0.015,0)","v":0},null,null,null,"TIDs/WH",0]
[null,null,null,null,null,null,null,null,null,null,null,null,true,"<<medicare tick condition",null,null,{"$f":"SUM(Q9:Q13)","v":0},null,null,null,"Franking",0]
[null,null,null,null,null,null,null,null,"Applicant 4 Income",{"$f":"'Loan Serviceability Calculator'!H78","v":0},null,null,null,null,"Rounded>>",{"$f":"(SUM(P9:P14)*100-MOD(SUM(P9:P14)*100,10)+IF(MOD(SUM(P9:P14)*100,10)<2.5,0,IF(MOD(SUM(P9:P14)*100,10)<7.5,5,10)))/100","v":0},null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Tax thereon",{"$f":"P15","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!H17","v":0.02},"Medicare",{"$f":"IF(M14=TRUE, J15*H17,0)","v":0},null,null,null,null,null,null,null,null,null,null,"Offsets",0]
[null,null,null,null,null,null,null,null,"Sub-Total",{"$f":"SUM(J16:J17)","v":0},null,null,null,null,null,null,null,null,null,null,"Other",0]
[null,null,null,null,null,null,null,null,"Less: LITO offset",{"$f":"-L40","v":0},{"$f":"IF(J16<J23,\"limited to tax payable\",\"\")","v":""},null,null,null,null,null,null,null,null,null,"Subtotal",null,{"$f":"SUM(V13:V18)","v":0},{"$f":"W19/12","v":0},{"$f":"W19/52","v":0}]
[null,null,null,null,null,null,null,null,"Tax Payable",{"$f":"SUM(J18:J19)","v":0},null,"Tax Offsets Information"]
[null,null,null,null,null,null,null,null,null,null,null,"Low Income Tax Offset"]
[null,null,null,null,null,null,null,null,"Ave Tax Rate",{"$f":"J20/J15","v":{"$error":"#DIV/0!"}},null,"Medicare levy",null,null,null,null,null,null,null,null,{"$f":"IF(W23<0,\"Net Tax Refund- but see note below)\",\"Net Tax Payable\")","v":"Net Tax Payable"}]
[null,null,null,null,null,null,null,null,null,null,null,"Medicare Levy Surcharge",null,null,null,null,null,null,null,null,null,null,{"$f":"W11-W19","v":0},{"$f":"W23/12","v":0},{"$f":"W23/52","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"2022-23 Tax Scale Information",null,null,null,null,null,null,null,null,"Income after tax",null,{"$f":"W9-W23","v":0},{"$f":"W24/12","v":0},{"$f":"W24/52","v":0}]
[]
[]
[]
[null,null,null,null,null,null,null,null,"How New LITO is calculated"]
[null,null,null,null,null,null,null,null,"The full Low Income Tax Offset is $700 (from 1 July 2020)"]
[]
[null,null,null,null,null,null,null,null,"Taxable Income",null,"LITO Offset Amount/Formula"]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I32","v":"0 – $37,500"},null,{"$f":"Applicant1_Tax!K32","v":700},null,{"$f":"AND(J15>0,J15<37501)","v":false},{"$f":"IF(M32,700,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I33","v":"$37,501 – $45,000"},null,{"$f":"Applicant1_Tax!K33","v":"$700 - [(taxable income - $37,500) x 5%]"},null,{"$f":"AND(J15>37500,J15<45001)","v":false},{"$f":"IF(M33,700-(J15-37500)*0.05,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I34","v":"$45,001 – $66,667"},null,{"$f":"Applicant1_Tax!K34","v":"$325 - [(taxable income - $45,000) x 1.5%]"},null,{"$f":"AND(J15>45000,J15<66667.01)","v":false},{"$f":"IF(M34,325-(J15-45000)*0.015,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"Applicant1_Tax!I35","v":"$66,667+"},null,{"$f":"Applicant1_Tax!K35","v":"nil"},null,{"$f":"AND(J15>66667)","v":false},{"$f":"IF(M35,0)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"N36","v":0},"chk tot",{"$f":"SUM(N32:N35)","v":0}]
[]
[null,null,null,null,null,null,null,null,"LITO raw total",null,null,{"$f":"N36","v":0}]
[null,null,null,null,null,null,null,null,"LITO rounded",null,null,{"$f":"ROUND(L38,0)","v":0}]
[null,null,null,null,null,null,null,null,"LITO limited to tax payable",null,null,{"$f":"IF(L39>J16,J16,L39)","v":0}]

{"sheet":"New Loan Rates _ Weblink","index":28,"n_rows":33,"n_cols":7,"rows_kept":33,"cut":false,"hidden":true,"merged":[]}
["Column1","Interest Rate","Comparison Rate"]
["Variable Housing Loans","","",null,null,null,"Data Last Refreshed On:"]
["Basic Variable","7.67% pa","7.83% pa",null,null,null,"2024-02-22T09:27:04.820"]
["Basic Variable Discount Offer","6.19% pa","7.39% pa",null,null,null,"Last Updated by user: Steven McAuley"]
["Standard Variable","8.00% pa","8.08% pa"]
["Other Real Estate Mortgage Loans","12.00% pa","12.13% pa"]
["Self Managed Super Fund - Residential Secured","9.25% pa","9.41% pa"]
["GMCU Equity Access","9.33% pa","-"]
["Variable Housing Loans - Investment","",""]
["Basic Variable - Investment","8.39% pa","8.55% pa"]
["Basic Variable Investment Discount Offer","6.39% pa","7.94% pa"]
["Standard Variable - Investment","8.44% pa","8.52% pa"]
["Fixed Housing Loans","",""]
["Fixed Rate – 1 year","6.29% pa","7.67% pa"]
["Fixed Rate – 18 months - Special construction offer","6.19% pa","7.59% pa"]
["Fixed Rate – 2 years","6.09% pa","7.50% pa"]
["Fixed Rate – 3 years","5.99% pa","7.33% pa"]
["Fixed Housing Loans - Investment","",""]
["Fixed Rate – 1 year","6.49% pa","8.33% pa"]
["Fixed Rate – 18 months - Special construction offer","6.39% pa","8.22% pa"]
["Fixed Rate – 2 years","6.29% pa","8.10% pa"]
["Fixed Rate – 3 years","6.19% pa","7.88% pa"]
["Personal Loans - Fixed rate","",""]
["Fully Secured *5  Receive a 1% pa discount if you also have a GMCU Home Loan^1","7.79% pa","8.04% pa"]
["Unsecured Receive a 1% pa discount if you also have a GMCU Home Loan^1","14.95% pa","15.18% pa"]
["Overdrafts","",""]
["Secured (residential real estate mortgage)","10.25% pa",""]
["Secured (other real estate mortgage)","10.85% pa",""]
["Unsecured","17.69% pa",""]
["Business / Farm / Commercial","",""]
["Residential Mortgage","10.54% pa",""]
["Other Real Estate Mortgage","12.00% pa",""]
["Unsecured","18.75% pa",""]