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{"sheet":"Serviceability Calculator","index":0,"n_rows":406,"n_cols":11,"rows_kept":406,"cut":false,"hidden":false,"merged":[[408,1,408,5],[409,1,409,5],[410,1,410,5],[411,1,411,5],[33,1,34,1],[84,1,85,1],[135,1,136,1],[186,1,187,1],[237,1,238,1],[288,1,289,1],[329,1,330,1],[354,1,354,5],[376,1,376,5],[405,1,405,5],[406,1,406,5],[407,1,407,5],[306,1,306,5],[323,1,323,5],[325,2,325,4],[327,1,327,5],[337,1,337,5],[255,1,255,5],[272,1,272,5],[280,1,280,5],[286,1,286,5],[296,1,296,5],[204,1,204,5],[221,1,221,5],[229,1,229,5],[235,1,235,5],[245,1,245,5],[153,1,153,5],[170,1,170,5],[178,1,178,5],[184,1,184,5],[194,1,194,5],[102,1,102,5],[119,1,119,5],[127,1,127,5],[133,1,133,5],[143,1,143,5],[51,1,51,5],[68,1,68,5],[76,1,76,5],[82,1,82,5],[92,1,92,5],[4,1,4,5],[17,1,17,5],[25,1,25,5],[31,1,31,5],[41,1,41,5]]}
[null,null,null,null,null,{"$f":"\"Version: \"&vVersion","v":"Version: 3.00  (1 July 2025)"}]
[null,null,null,null,null,null,null,"Print Option included"]
[]
[]
[null,"Loan Details",null,null,null,null,null,"26 April Notes","2nd May","10th May"]
[]
[null,"Loan Amount",null,"Security Value",null,null,null,"Validate Loan Amount can not be more than Security \"Loan Amount can not be more than the Security Value\""]
[]
[null,"Term (months)",null,"Actual Rate (%)"]
[]
[null,"Repayment Type",null,"I/O Period (years)",null,null,null,null,"P&I default to zero for I/O (display as N/A)"]
[]
[null,"Regulated Loan",null,"Purpose of Loan",null,null,null,"\"Residential Loan\" changed to \"Type of Loan\" with \"RMDS or CMDS\" options"," \"Loan Type\" Removed with \"Regulated Loan\" now driving \"Buffer\" selection, & \"Purpose of Loan\" included - \"Purchase\" / \"Refinance\" / \"Other\""]
[]
[null,"Number of Individuals",null,"Company Income Used",null,null,null,null,"These moved to End and leading into Applicant/Company Details"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A18)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 1"},null,null,null,null,null,null,null,"Applicant default to colapsed"]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A18)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant",null,null,null,null,"Joint with Applicant Default to zero if not Couple (display as N/A)"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)",null,null,null,null,null,null,"Rental Income Double Click Issue repaired"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A69)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 2"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A69)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A120)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 3"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A120)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A171)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 4"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A171)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A222)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 5"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A222)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[" ",{"$f":"\"Applicant \"&INT(ROW(A273)/ROWS(vForm_Applicant)+0.9)","v":"Applicant 6"}]
[]
[null,"Name",null,"Residential Postcode"]
[null,null,null,null,{"$f":"OFFSET(tApplicant_HEM,INT(ROW(A273)/ROWS(vForm_Applicant)+0.9)-1,7,1,1)","v":""}]
[null,"Applying As",null,"Joint with Applicant"]
[]
[null,"Number of Dependents"]
[]
[null,"PAYG Income  (Annual)"]
[]
[null,"PAYG Gross"]
[]
[null,"Non-Taxable"]
[]
[null,"Self-Employed / Sole Trader / Partnership  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Variable Income  (Annual)"]
[]
[null,"Overtime / Allowance"]
[]
[null,"Bonus / Commission"]
[]
[null,"Investment"]
[]
[null,"Other"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[null,"Company Details",null,null,null,null,null,null,null,"Company default to colapsed"]
[]
[null,"Company Name"]
[]
[null,"Income  (Annual)"]
[]
[null,"Net Profit (Loss)\nBefore Tax (NPBT)"]
[]
[null,"Interest"]
[]
[null,"Other Add Backs"]
[]
[null,"Depreciation"]
[]
[null,"Rental Income - If used for Assessment  (Annual)"]
[]
[null,"Number of Properties"]
[]
[null,null,"Rent Received","% Ownership","Investment Loan Amount"]
[null,"Investment Property 1"]
[null,"Investment Property 2"]
[null,"Investment Property 3"]
[null,"Investment Property 4"]
[null,"Investment Property 5"]
[null,"Investment Property 6"]
[null,"Investment Property 7"]
[null,"Investment Property 8"]
[null,"Investment Property 9"]
[null,"Investment Property 10"]
[]
[]
[null,"Commitments (Monthly)"]
[]
[null,"Number of Commitments",null,null,null,null,null,"If Zero then Commitments cleared"]
[]
[null,null,"Commitment","Repayment Amount","Commitment Limit",null,null,"If repayment blank then use Benchmark 30 years 5.25%"]
[null,"Commitment 1"]
[null,"Commitment 2"]
[null,"Commitment 3"]
[null,"Commitment 4"]
[null,"Commitment 5"]
[null,"Commitment 6"]
[null,"Commitment 7"]
[null,"Commitment 8"]
[null,"Commitment 9"]
[null,"Commitment 10"]
[]
[null,"Total Credit Card Limits"]
[]
[null,"Declared Living Costs",null,"Benchmark Living Costs",{"$f":"vHEM_Amount","v":0},null,null,"Benchmark Living Costs included",null,"HEM Bug, Poscode Calcs"]
[]
[]
[]
[null,"Serviceability Calculation",null,null,null,null,null,null,null,null,"Calculation Notes"]
[]
[null,"Actual","Annual","Assessment","Annual"]
[]
[null,"Gross Income",{"$f":"Calculations!C33+Calculations!C66+Calculations!C35","v":0},"Gross Income",{"$f":"C381","v":0},null,null,null,null,null,"Taxable Income and Non-Taxable Income for Applicants and Company"]
[]
[null,"Taxable Income",{"$f":"Calculations!C33+Calculations!C66","v":0},"Taxable Income",{"$f":"C383","v":0},null,null,null,null,null,"Taxable Gross Annual Income for Applicants and Company"]
[]
[null,"Net Income",{"$f":"Calculations!C37+Calculations!C69","v":0},"Net Income",{"$f":"C385","v":0},null,null,null,null,null,"Net Annual Income for Applicants and Company"]
[]
[null,"Total Commitments",{"$f":"Calculations!D84","v":0},"Other Commitments",{"$f":"Calculations!C84","v":0},null,null,null,null,null,"Total Commitments Calculated"]
[]
[null,"Living Costs",{"$f":"Calculations!D85","v":0},"Living Costs",{"$f":"Calculations!C85","v":0},null,null,null,null,null,"Actual Living Costs and HEM"]
[]
[null,"Net Available Income",{"$f":"IF(C385-C387-C389<0,0,C385-C387-C389)","v":0},"Net Available Income",{"$f":"IF(E385-E387-E389<0,0,E385-E387-E389)","v":0},null,null,null,null,null,"Net Income - Commitments - Living Costs"]
[]
[null,"Proposed Repayments",{"$f":"IF(ISERROR(vRepayments),0,vRepayments)","v":0},"Proposed Repayments",{"$f":"IF(ISERROR(vAssessed_Repayments),0,vAssessed_Repayments)","v":0},null,null,null,null,null,"Assessment takes I/O period into account"]
[]
[null,"Net Disposable Income",{"$f":"IF(C391-C393<0,0,C391-C393)","v":0},"Net Disposable Income",{"$f":"IF(E391-E393<0,0,E391-E393)","v":0},null,null,null,null,null,"Net Available Income - Proposed Repayments"]
[]
[null,null,null,{"$f":"IF(vResidential,\"NDI\",\"NDI\")&\" Ratio\"","v":"NDI Ratio"},{"$f":"IF(vResidential,vAssessed_NDI,vAssessed_NDI)","v":"1.00 : 1"},null,null,null,null,"NDI always, no DSC","NDI = (Assessment Net Income - Living Costs) / (Assessment Commitments + Proposed Repayments)"]
[null,null,null,null,null,null,null,null,null,null,"DCS = Net Income Assessment / (Commitments Assessment + Proposed Repayments)"]
[null,null,null,"DTI Ratio",{"$f":"vAssessed_DTI","v":"1.0"},null,null,null,null,null,"Total Loan Limits / ( Total Income Actual + Income Addbacks )"]
[]
[null,null,null,"LVR",{"$f":"vLVR","v":0},null,null,null,null,null,"Application Loan Amount / Application Details Security Value"]
[]
[null,null,null,"Maximum Loan Amount",{"$f":"-PV((vLoan_Rate+vBuffer)/12,(vLoan_Term-IF(bIO,vLoan_IOPeriod,0)*12),vAssessed_Available_Income/12)","v":0},null,null,null,null,null,"Excel PV Formula using : Interest = (Loan Actual Rate + Buffer entered), Application Loan Term in Years with I/O adjustment if applicable, Net Available Income Assessment"]
[]
[]
[null,"Notes  (Optional)",null,null,null,null,null,"Notes Included"]

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[10]

{"sheet":"Administration","index":2,"n_rows":25,"n_cols":7,"rows_kept":25,"cut":false,"hidden":true,"merged":[[1,1,1,4],[3,2,3,3]]}
[]
[null,"Administration"]
[]
[null,"Version","3.00  (1 July 2025)"]
[]
[null,"Parameter","Regulated","Unregulated"]
[null,"Buffer",0.02,0.02]
[null,"Buffer (for Refinance)",0.02,0.02,null,null,"Purpose of Loan Refinance Buffer included"]
[null,"Floor Rate",0.06,0.06]
[null,"Interest Gearing",3.7499999999999999E-2,3.7499999999999999E-2]
[null,"Credit Card Rate",3.7999999999999999E-2,3.7999999999999999E-2]
[null,"Loan Term (years)",30,30]
[null,"Rental Shading",0.8,0.8]
[null,"Property Expense %",0,0,null,null,"Property Expense % included"]
[]
[null,"PAYG","Taxable Income from","% on Excess","Income Tax"]
[null,null,0,0,0]
[null,null,18200,0.16,{"$f":"(C18-C17)*D17+E17","v":0}]
[null,null,45000,0.3,{"$f":"(C19-C18)*D18+E18","v":4288}]
[null,null,135000,0.37,31288]
[null,null,190000,0.45,51638]
[]
[null,"Medicare",0.02]
[]
[null,"Company Tax Rate",0.25]

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["Sydney","Couple",2,"Couple with 2 children",0,0,759.25669223388695,784.60537404050604,824.21330440793702,887.03621620421995,972.80380192120003,1049.64817400785,1127.8507650505101,1181.17235912109,1239.4605411785001,1355.1294365638,1527.3377659205,1550.5597985502]
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["Sydney","Single",0,"Single person",294.14046476639197,310.80971646052302,326.06025662924299,351.34010622354901,390.84048731865499,453.49281387132697,539.02750878317795,615.66321730941002,693.65346088061096,746.83026440675803,804.96017104593795,920.31498204778995,1092.05570277939,1115.2146778876699]
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[]
[]
[null,null,null,"Balance of NSW"]
["Balance of NSW","Couple",0,"Couple",0,612.139571998267,627.41486166496304,652.73573650222397,692.30022091484295,755.05422319463696,840.72772838343406,917.487806173737,995.60461625051096,1048.8677193252299,1107.09196262817,1222.6339774016701,1394.6534093779701,1417.84996897356]
["Balance of NSW","Couple",1,"Couple with 1 child",0,0,716.54555794061002,742.00164506174099,781.77740003496399,844.866502763938,930.99749738641401,1008.1674683598,1086.7014157966801,1140.2489394946799,1198.78409425934,1314.9430933808101,1487.8810980800499,1511.20152213749]
["Balance of NSW","Couple",2,"Couple with 2 children",0,0,786.46290410405902,811.811586414104,851.41951849751501,914.24243094338101,1000.01001761308,1076.85438597546,1155.0569808290099,1208.3785711319999,1266.6667530811501,1382.3356478385199,1554.54397845108,1577.76601060442]
["Balance of NSW","Couple","3 and above","Couple with 3 children",0,0,null,879.83804875583303,919.567794287791,982.58391898245304,1068.61528157419,1145.69598691141,1224.1390905400899,1277.6246697766701,1336.0921173956599,1452.11675102357,1624.8547074913699,1648.14815847265]
[null,""]
["Balance of NSW","Single",0,"Single person",321.27280325213599,337.942054716244,353.192594474207,378.47244444694297,417.972825261651,480.625151548053,566.15984619277799,642.79555507517796,720.78579907446601,773.96260333349903,832.09250992473301,947.447319310127,1119.1880408704999,1142.34701610208]
["Balance of NSW","Single",1,"Single parent with 1 child",0,433.78211551895703,448.92064006495201,474.01481057815101,513.22506178644699,575.41720923570301,660.32365586355604,736.396474132187,813.81388402127595,866.60010154248801,924.30304606935101,1038.8105808826499,1209.2898674384601,1232.2787410854901]
["Balance of NSW","Single",2,"Single parent with 2 children",0,541.02913566517896,556.13554971540896,581.17649175178099,620.30357358136303,682.36380051143703,767.09014738149995,843.00160672367997,920.25480270289199,972.92905582357798,1030.5096051267601,1144.77424947588,1314.8919298952101,1337.83204072684]
["Balance of NSW","Single","3 and above","Single parent with 3 children",0,0,663.35045936586596,688.33817292541005,727.38208537627804,789.31039178717106,873.85663889944306,949.60673931517204,1026.6957213845101,1079.2580101046699,1136.7161641841701,1250.73791806911,1420.4939923519601,1443.3853403682001]
[]
[]
[null,null,null,"Melbourne"]
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["Melbourne","Couple",1,"Couple with 1 child",0,0,707.44648693636395,732.90257401250301,772.67832889574197,835.76743357437897,921.89842768694302,999.06839714559203,1077.6023478519,1131.1498673206399,1189.6850225952101,1305.8440226165301,1478.7820247362099,1502.1024530529101]
["Melbourne","Couple",2,"Couple with 2 children",0,0,777.40222483690502,802.75090540390397,842.35883737905101,905.18175094003402,990.94933704676305,1067.7937071630199,1145.9963011504501,1199.31789179989,1257.6060708908799,1373.2749670123701,1545.4833017389601,1568.70533233329]
["Melbourne","Couple","3 and above","Couple with 3 children",0,0,null,870.74950359108004,910.47924989455805,973.49537203726697,1059.5267367061799,1136.6074386012299,1215.05054501925,1268.53612556148,1327.00357270569,1443.0282054433801,1615.76616108031,1639.0596121802901]
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["Melbourne","Single",0,"Single person",312.23672664904501,328.90597802900999,344.15651829735702,369.43636784628598,408.93674905440599,471.589075178136,557.12376962593999,633.75947834737997,711.749722312421,764.92652565363505,823.05643286131499,938.41124428097896,1110.15196572491,1133.31094062087]
["Melbourne","Single",1,"Single parent with 1 child",0,424.81240938007898,439.95093388574099,465.04510340071698,504.25535575848301,566.447500565974,651.35394493521801,727.42676703541701,804.84417317360203,857.63039908393102,915.33334038421197,1029.84087560083,1200.3201633666099,1223.30903830427]
["Melbourne","Single",2,"Single parent with 2 children",0,532.07845590381703,547.184869514757,572.22581145351,611.35289213605904,673.41312179948704,758.13946666834397,834.05092684029296,911.30412281950498,963.978375159233,1021.5589230957401,1135.82356929963,1305.9412508903999,1328.8813607458401]
["Melbourne","Single","3 and above","Single parent with 3 children",0,0,654.41880514377306,679.40651950630297,718.45042851363598,780.378743033001,864.92498840147096,940.67508664516799,1017.76407246541,1070.32635123453,1127.7845058072701,1241.8062629984299,1411.56233841419,1434.4536831874]
[]
[]
[null,null,null,"Balance of VIC"]
["Balance of VIC","Couple",0,"Couple",0,641.56453504328704,656.83982440234502,682.16069959074798,721.72518386353102,784.47918591337498,870.15269052107897,946.91276982781596,1025.0295788045501,1078.29268230189,1136.51692511384,1252.0589403348199,1424.07837242299,1447.2749313970901]
["Balance of VIC","Couple",1,"Couple with 1 child",0,0,746.12764907158498,771.58373348568398,811.35948930626,874.44859281510003,960.57958841240702,1037.7495573461499,1116.28350577285,1169.83102758118,1228.3661832456801,1344.5251840168701,1517.4631861365599,1540.7836110338501]
["Balance of VIC","Couple",2,"Couple with 2 children",0,0,815.92017955680296,841.268862516431,880.87679261861501,943.69970438241899,1029.46729116038,1106.3116621752299,1184.5142534777201,1237.83584642235,1296.12402921596,1411.7929235619199,1584.0012540878799,1607.2232863711299]
["Balance of VIC","Couple","3 and above","Couple with 3 children",0,0,null,909.38591905061605,949.11566327692299,1012.13178939593,1098.1631524921199,1175.24385877891,1253.6869610425899,1307.17254170351,1365.63998766077,1481.66462259433,1654.4025792995201,1677.6960288564601]
[null,""]
["Balance of VIC","Single",0,"Single person",350.65009092820202,367.31934238412401,382.56988220727601,407.849732206981,447.350112881276,510.00243954439497,595.53713402644701,672.17284305268504,750.163087301975,803.33988991030401,861.46979697414599,976.82460758558204,1148.5653284130699,1171.72430324738]
["Balance of VIC","Single",1,"Single parent with 1 child",0,462.94362705136001,478.08215376521599,503.17632351210199,542.38657599086503,604.57872128234305,689.48516637756995,765.55798601749802,842.97539518060501,895.76161552507801,953.46456061659399,1067.97209163865,1238.4513807757301,1261.4402544227601]
["Balance of VIC","Single",2,"Single parent with 2 children",0,570.12879154382199,585.23520522797799,610.27614833816699,649.40322911833596,711.46345746389704,796.18980355300198,872.10126411542899,949.35445755652802,1002.02871321533,1059.6092612494599,1173.8739076485799,1343.991586506,1366.93169558048]
["Balance of VIC","Single","3 and above","Single parent with 3 children",0,0,692.38825669073901,717.37597316423205,756.41988224580803,818.34819364545206,902.89444072843401,978.64454221335905,1055.73351993245,1108.2958109055801,1165.75396188232,1279.7757236585101,1449.5317922362699,1472.4231367381899]
[]
[]
[null,null,null,"Brisbane"]
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["Brisbane","Couple",1,"Couple with 1 child",0,0,677.51520888334301,702.97129714427695,742.74705041529398,805.83615467400398,891.96714961142504,969.13711947500406,1047.6710690715099,1101.2185892001301,1159.75374705425,1275.91274314625,1448.85074772551,1472.1711725628099]
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["Brisbane","Couple","3 and above","Couple with 3 children",0,0,0,840.85284784372197,880.58259275252703,943.59871709110405,1029.6300792970801,1106.71078404082,1185.1538885003699,1238.6394703482499,1297.1069164835501,1413.1315504675399,1585.8695066979501,1609.16295767924]
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["Brisbane","Single",0,"Single person",282.51266786725802,299.18191939091201,314.43245940434298,339.71230896761301,379.21269037864602,441.86501586024502,527.39971107346901,604.03541990107396,682.02566392091001,735.20246726897403,793.33237416158101,908.687185259324,1080.42790655257,1103.58688182524]
["Brisbane","Single",1,"Single parent with 1 child",0,395.30667235219403,410.44519852156401,435.53936787521002,474.74961997081601,536.94176477830695,621.84820975253604,697.92102874714897,775.33843887823105,828.12466115865402,885.82760471754204,1000.33513662691,1170.81442794193,1193.80330223428]
["Brisbane","Single",2,"Single parent with 2 children",0,502.63530562203101,517.74171884249301,542.78266000028702,581.90974326976004,643.96997073674402,728.69631726513705,804.60777724184504,881.86097263533895,934.53522487744704,992.11577242347596,1106.3804192130799,1276.4980994371799,1299.43821163549]
["Brisbane","Single","3 and above","Single parent with 3 children",0,0,625.03823916342196,650.02595212536403,689.06986656870401,750.99817669517995,835.54442477773705,911.29452573654203,988.383506392448,1040.9457885962399,1098.4039401294101,1212.42570179926,1382.18177093242,1405.0731210366901]
[]
[]
[null,null,null,"Balance of QLD"]
["Balance of QLD","Couple",0,"Couple",0,634.87855950850997,650.15384896156797,675.47472466736099,715.03920902404604,777.79321109253397,863.46671651438896,940.22679272610799,1018.34360538828,1071.6067058900401,1129.8309502557099,1245.3729652529601,1417.3923977202301,1440.5889552400499]
["Balance of QLD","Couple",1,"Couple with 1 child",0,0,739.40596991232906,764.86205736340401,804.63781362640304,867.72691437571996,953.85790923815398,1031.0278796416401,1109.5618267185801,1163.1093530261301,1221.6445071308999,1337.80350892192,1510.74150720226,1534.06193665877]
["Balance of QLD","Couple",2,"Couple with 2 children",0,0,809.22686375392504,834.57554346564098,874.18347583053696,937.00639082060104,1022.77397586635,1099.6183456686299,1177.82093963441,1231.14252876816,1289.4307101326899,1405.0996055179801,1577.3079365203,1600.5299699728]
["Balance of QLD","Couple","3 and above","Couple with 3 children",0,0,0,902.67201562621699,942.40176106915305,1005.41788721784,1091.4492509965301,1168.52995306962,1246.9730592502599,1300.45863967379,1358.9260860464799,1474.9507194963401,1647.6886788128299,1670.9821293193399]
[null,""]
["Balance of QLD","Single",0,"Single person",343.97494878442598,360.64419990845897,375.89474004647701,401.17458978494199,440.67497065187598,503.32729692201201,588.86199176365596,665.49770019399705,743.48794473781095,796.664747455731,854.79465405381404,970.14946527484597,1141.8901863626099,1165.04916184077]
["Balance of QLD","Single",1,"Single parent with 1 child",0,456.31751425172598,471.45604004298002,496.55020864039602,535.76046092757997,597.95260815500899,682.85905228226,758.93187506810796,836.34928201293803,889.13549969548001,946.83844293171001,1061.3459755670599,1231.8252702699999,1254.8141376251899]
["Balance of QLD","Single",2,"Single parent with 2 children",0,563.51673288455402,578.62314795979103,603.66408931282501,642.79116948287106,704.85139851176996,789.57774440563503,865.48920535854097,942.742400459176,995.41665328700299,1052.99720288305,1167.26184898932,1337.3795247229,1360.31963574977]
["Balance of QLD","Single","3 and above","Single parent with 3 children",0,0,685.79025587660306,710.777969985254,749.82187803816203,811.75018886853195,896.29643652901098,972.04653564897501,1049.13551890541,1101.6978068785299,1159.15596283438,1273.1777224115699,1442.9337791758001,1465.8251338743601]
[]
[]
[null,null,null,"Adelaide"]
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[null,""]
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["Adelaide","Single","3 and above","Single parent with 3 children",0,0,672.259001193421,697.24671488449599,736.29062608647303,798.21893338236498,882.765180575302,958.51527880075298,1035.6042627757299,1088.16655319807,1145.6247052573599,1259.6464654413301,1429.4025324828599,1452.29387562633]
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[]
[null,null,null,"Balance of SA"]
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["Balance of SA","Couple",1,"Couple with 1 child",0,0,683.17983862680205,708.63592339334002,748.41167970133199,811.50078333015097,897.63177721775401,974.80174781620497,1053.3356958229799,1106.8832186511399,1165.4183727259101,1281.5773744569401,1454.5153765766199,1477.83580255373]
["Balance of SA","Couple",2,"Couple with 2 children",0,0,753.23796280713395,778.58664509552705,818.19457584729298,881.01748859629799,966.78507462724201,1043.62944496002,1121.8320376266399,1175.15362925045,1233.4418119791001,1349.1107057404399,1521.3190381285301,1544.5410687661699]
["Balance of SA","Couple","3 and above","Couple with 3 children",0,0,0,846.51092354357297,886.24066901618301,949.25679457138801,1035.28815772693,1112.3688624706699,1190.81196609935,1244.2975464635399,1302.7649931329699,1418.78962444631,1591.52758221976,1614.82103355713]
[null,""]
["Balance of SA","Single",0,"Single person",288.138079553333,304.80733081659503,320.05787100865899,345.337720822574,384.83810189199397,447.49042804140799,533.02512283510703,609.66083141613399,687.65107522706296,740.82787876690998,798.95778570061395,914.31259649013396,1086.05331715324,1109.2122917341201]
["Balance of SA","Single",1,"Single parent with 1 child",0,400.890765049376,416.02929133974197,441.123461318539,480.33371252683497,542.525859431605,627.43230408317595,703.50512505407096,780.92253224089495,833.70875323068503,891.411698402865,1005.91922958625,1176.39851735203,1199.3873913217201]
["Balance of SA","Single",2,"Single parent with 2 children",0,508.20755343065201,523.31396777374096,548.35490959046899,587.48198998015903,649.54221793524096,734.26856324338701,810.18002370819499,887.43321929692797,940.10747397953003,997.68802015888195,1111.95266870565,1282.0703465868601,1305.0104564423]
["Balance of SA","Single","3 and above","Single parent with 3 children",0,0,630.59864420773897,655.58635786239802,694.63026743348303,756.55857643887703,841.10482240359897,916.85492236231903,993.94390635296099,1046.50619472838,1103.9643419148999,1217.9861078250401,1387.7421758216899,1410.6335215628801]
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[]
[null,null,null,"Perth"]
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["Perth","Couple",1,"Couple with 1 child",0,0,646.09443166898302,671.55051928502905,711.32627465568305,774.41537777458996,860.54637277200095,937.71634310049899,1016.25029113727,1069.7978149252599,1128.3329703498,1244.49196815151,1417.4299725507999,1440.7503987678599]
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["Perth","Single",0,"Single person",251.3094236531,267.97867467810801,283.22921499360302,308.50906441148402,348.00944577917397,410.66177159296802,496.196466670917,572.83217535126005,650.82241938821903,703.99922233216898,762.12913003300503,877.48394046635599,1049.2246617322101,1072.3836367788499]
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["Perth","Single",2,"Single parent with 2 children",0,471.72694785272,486.83336145145898,511.87430385390502,551.00138500014805,613.06161205224703,697.78795877588004,773.699419289498,850.95261351155398,903.62686799891696,961.20741632590398,1075.4720610654999,1245.58974119197,1268.5298524140801]
["Perth","Single","3 and above","Single parent with 3 children",0,0,594.19558304751797,619.18329821643795,658.22720755625699,720.15551620764802,804.701765084008,880.45186380938196,957.54084506667095,1010.10313458423,1067.5612868726701,1181.5830438778401,1351.3391158003501,1374.2304641942201]
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[]
[null,null,null,"Balance of WA"]
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["Balance of WA","Couple",1,"Couple with 1 child",0,0,705.603727047235,731.05981142384098,770.83556828673704,833.92467133065702,920.05566590814101,997.22563592169399,1075.7595837185099,1129.3071066366499,1187.84226104136,1304.0012616025899,1476.93926498206,1500.25969161905]
["Balance of WA","Couple",2,"Couple with 2 children",0,0,775.56723900731299,800.91592047290101,840.52385259420396,903.34676374090498,989.114350811181,1065.95872099239,1144.1613138105799,1197.48290558596,1255.77108798982,1371.43998253066,1543.64831426917,1566.87034447375]
["Balance of WA","Couple","3 and above","Couple with 3 children",0,0,null,868.90887370917903,908.63861787613803,971.65474319395196,1057.68610658688,1134.76681109324,1213.2099147219201,1266.69549579827,1325.16294276444,1441.18757710452,1613.92553286015,1637.2189820609999]
[null,""]
["Balance of WA","Single",0,"Single person",310.40672307171798,327.07597449283497,342.32651467160099,367.60636478603402,407.10674515124998,469.75907187601399,555.29376645224499,631.92947506409405,709.91971876885702,763.09652260322798,821.22642963967303,936.581239086712,1108.3219612292801,1131.4809359471601]
["Balance of WA","Single",1,"Single parent with 1 child",0,422.99584613805001,438.13437133944399,463.228541771979,502.43879366592398,564.63094036903306,649.53738518193302,725.61020639482103,803.02761354131303,855.81383436977399,913.51677865464399,1028.02431032202,1198.5035962325101,1221.4924719768301]
["Balance of WA","Single",2,"Single parent with 2 children",0,530.26574600208198,545.37216080886503,570.41310284523695,609.54018252718402,671.60041126322403,756.32675686422999,832.23821723141702,909.49141125823496,962.16566691703395,1019.74621407258,1134.01086174077,1304.1285378648299,1327.06865103934]
["Balance of WA","Single","3 and above","Single parent with 3 children",0,0,652.60995027828505,677.59766391849496,716.64157138844405,778.56988215741603,863.11612854652697,938.86622806801302,1015.95520897516,1068.51749946429,1125.97564949052,1239.99741315952,1409.75347949715,1432.64483010186]
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[]
[null,null,null,"Hobart"]
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["Hobart","Couple",1,"Couple with 1 child",0,0,726.91180729725295,752.36789347354795,792.14364996150903,855.23275282546001,941.36374807782704,1018.53371788142,1097.0676664281,1150.61518682668,1209.1503440808999,1325.30934446216,1498.24734436223,1521.5677709992201]
["Hobart","Couple",2,"Couple with 2 children",0,0,796.78541672599204,822.13409728216504,861.74202695129497,924.56494255846098,1010.33252897916,1087.1768981318601,1165.3794918378101,1218.70108060346,1276.98926424153,1392.65815891228,1564.86649060748,1588.08852063885]
["Hobart","Couple","3 and above","Couple with 3 children",0,0,0,890.19230834691496,929.92205025865906,992.93817504234403,1078.9695401860299,1156.05024326804,1234.49334826172,1287.97893088112,1346.4463774912001,1462.4710105849699,1635.20896539104,1658.50241518537]
[null,""]
["Hobart","Single",0,"Single person",331.56728512368699,348.23653641619302,363.48707650998398,388.76692652980898,428.26730707995898,490.919633275607,576.45432827649995,653.09003714520202,731.080280593113,784.25708465351397,842.38699092282604,957.74180245893001,1129.4825234165601,1152.64149859334]
["Hobart","Single",1,"Single parent with 1 child",0,444.000984612151,459.13951017653602,484.233679842757,523.44393131321306,585.63607735083895,670.54252176041598,746.61534361862095,824.03274923248603,876.81897304553604,934.521915878443,1049.0294485137899,1219.50874200676,1242.49761113658]
["Hobart","Single",2,"Single parent with 2 children",0,551.22632906456499,566.33274409099204,591.373686224984,630.500766370625,692.560994813805,777.28734148862804,853.19879995223096,930.451996810021,983.12625002832704,1040.7067975743601,1154.9714439734801,1325.08912165946,1348.0292348339699]
["Hobart","Single","3 and above","Single parent with 3 children",0,0,673.525978005448,698.51369260721003,737.55760142803604,799.48591227677196,884.03216121684102,959.78225628584005,1036.87124438756,1089.4335270111201,1146.8916792702701,1260.91343943318,1430.66950131216,1453.5608585313701]
[]
[]
[null,null,null,"Balance of TAS"]
["Balance of TAS","Couple",0,"Couple",0,611.61839464609398,626.89368461887295,652.21455958509296,691.77904406141499,754.53304585023295,840.20655130316197,916.96662814880096,995.08343931939703,1048.34654190936,1106.57078537388,1222.1128005451401,1394.13223206153,1417.3287914955399]
["Balance of TAS","Couple",1,"Couple with 1 child",0,0,716.02159831977497,741.47768559088104,781.25343946929297,844.34254321809101,930.47353845546002,1007.64350747918,1086.1774562958201,1139.72497939393,1198.26013499844,1314.4191342398999,1487.3571388791399,1510.6775633565101]
["Balance of TAS","Couple",2,"Couple with 2 children",0,0,785.94115560803198,811.28983632660095,850.89776889178495,913.72068239863597,999.48826933899602,1076.33263531957,1154.5352333127701,1207.8568222516401,1266.1450030965,1381.8138978755201,1554.02223026361,1577.2442621138]
["Balance of TAS","Couple","3 and above","Couple with 3 children",0,0,0,879.31469216279504,919.04443920812002,982.06056428854299,1068.0919271176699,1145.17263215815,1223.61573614292,1277.1013156762299,1335.5687623456699,1451.5933957361799,1624.3313535096299,1647.624804847]
[null,""]
["Balance of TAS","Single",0,"Single person",320.75247059756401,337.42172191597803,352.67226223387303,377.952111405229,417.452493174572,480.10481874521298,565.63951382487403,642.27522266275298,720.26546676820601,773.44226989024003,831.57217674175104,946.92698704496399,1118.66770861904,1141.8266839191101]
["Balance of TAS","Single",1,"Single parent with 1 child",0,433.265604330862,448.40413037923503,473.49830054961001,512.70855230239101,574.90069932815902,659.80714518969796,735.87996224836002,813.29737383140503,866.08359054597099,923.786534750177,1038.2940681115099,1208.7733551513099,1231.762229121]
["Balance of TAS","Single",2,"Single parent with 2 children",0,540.51372163956501,555.620134957647,580.66107472435999,619.78815833550198,681.84838575367496,766.57473130587096,842.48619245401699,919.73938706655304,972.41364311583095,1029.9941883189899,1144.2588335466801,1314.3765153326899,1337.3166255786]
["Balance of TAS","Single","3 and above","Single parent with 3 children",0,0,662.83613953605902,687.82384889910895,726.86776436861305,788.79607217919204,873.34231742204395,949.09242265967305,1026.1814003017,1078.74369568569,1136.2018418877999,1250.22359898185,1419.9796755140601,1442.87102203621]
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[null,null,null,"ACT & NT"]
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["ACT & NT","Couple",1,"Couple with 1 child",0,0,730.70767763873198,756.16376507480902,795.93952094787596,859.02862414177002,945.15961919917004,1022.32958942269,1100.86353733948,1154.41105788803,1212.9462155321901,1329.1052153135499,1502.0432165933801,1525.36364113074]
["ACT & NT","Couple",2,"Couple with 2 children",0,0,800.56527122628302,825.91395324401697,865.52188279405595,928.34479704792602,1014.11238294895,1090.9567537472701,1169.1593464571899,1222.48094018132,1280.7691203766001,1396.4380167362699,1568.64634561661,1591.86837915572]
["ACT & NT","Couple","3 and above","Couple with 3 children",0,0,0,893.98378688313198,933.71353238541496,996.72965838572895,1082.7610205323599,1159.84172456393,1238.2848300917401,1291.7704098624399,1350.23785463275,1466.2624894476,1639.0004441349699,1662.29389796495]
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["ACT & NT","Single",0,"Single person",335.33687666222698,352.00612794659901,367.256668423956,392.53651786329499,432.03689905043899,494.689225145058,580.22391999868898,656.85962817902703,734.849872825582,788.02667592021805,846.15658285392203,961.51139430783303,1133.2521145051801,1156.41108980525]
["ACT & NT","Single",1,"Single parent with 1 child",0,447.74288846078798,462.88141487215199,487.97558461903799,527.18583536351196,589.37798192545802,674.28442714168102,750.35724633795405,827.77465646903602,880.56087802347804,938.26382416363299,1052.77135445971,1223.25064133818,1246.23951595319]
["ACT & NT","Single",2,"Single parent with 2 children",0,554.96029581716095,570.06671125847197,595.10765114720903,634.23473290357595,696.29496266462399,781.02130714300199,856.93277009711301,934.18596187867604,986.86021636603903,1044.4407646930299,1158.7054101159599,1328.8230913162499,1351.76320097644]
["ACT & NT","Single","3 and above","Single parent with 3 children",0,0,677.252007644792,702.23971767538103,741.28363044364096,803.21194340378997,887.75818714432398,963.50829385627196,1040.5972672883199,1093.1595547085999,1150.61770522242,1264.6394657722001,1434.3955412943101,1457.2868859997]

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["From","To","State","Location"]
[200,799,"ACT","Non Metro"]
[800,820,"NT","Metro"]
[821,827,"NT","Non Metro"]
[828,832,"NT","Metro"]
[833,999,"NT","Non Metro"]
[1000,1920,"NSW","Metro"]
[1921,1999,"NSW","Non Metro"]
[2000,2005,"NSW","Inner City"]
[2006,2249,"NSW","Metro"]
[2250,2557,"NSW","Non Metro"]
[2558,2574,"NSW","Metro"]
[2575,2599,"NSW","Non Metro"]
[2600,2639,"ACT","Metro"]
[2640,2739,"NSW","Non Metro"]
[2740,2786,"NSW","Metro"]
[2787,2899,"NSW","Non Metro"]
[2900,2920,"ACT","Metro"]
[2921,2999,"NSW","Non Metro"]
[3000,3010,"VIC","Inner City"]
[3011,3216,"VIC","Metro"]
[3217,3334,"VIC","Non Metro"]
[3335,3341,"VIC","Metro"]
[3342,3424,"VIC","Non Metro"]
[3425,3443,"VIC","Metro"]
[3444,3749,"VIC","Non Metro"]
[3750,3811,"VIC","Metro"]
[3812,3909,"VIC","Non Metro"]
[3910,3920,"VIC","Metro"]
[3921,3925,"VIC","Non Metro"]
[3926,3944,"VIC","Metro"]
[3945,3971,"VIC","Non Metro"]
[3972,3978,"VIC","Metro"]
[3979,3979,"VIC","Non Metro"]
[3980,3983,"VIC","Metro"]
[3984,3999,"VIC","Non Metro"]
[4000,4004,"QLD","Inner City"]
[4005,4209,"QLD","Metro"]
[4210,4299,"QLD","Non Metro"]
[4300,4306,"QLD","Metro"]
[4307,4499,"QLD","Non Metro"]
[4500,4549,"QLD","Metro"]
[4550,4999,"QLD","Non Metro"]
[5000,5005,"SA","Inner City"]
[5006,5199,"SA","Metro"]
[5200,5799,"SA","Non Metro"]
[5800,5999,"SA","Metro"]
[6000,6004,"WA","Inner City"]
[6005,6214,"WA","Metro"]
[6215,6799,"WA","Non Metro"]
[6800,6999,"WA","Metro"]
[7000,7003,"TAS","Inner City"]
[7004,7199,"TAS","Metro"]
[7200,7799,"TAS","Non Metro"]
[7800,7899,"TAS","Metro"]
[7900,7999,"TAS","Non Metro"]
[8000,8399,"VIC","Inner City"]
[8400,8899,"VIC","Metro"]
[8900,8999,"VIC","Non Metro"]
[9000,9299,"QLD","Inner City"]
[9300,9399,"QLD","Non Metro"]
[9400,9596,"QLD","Metro"]
[9597,9597,"QLD","Non Metro"]

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[null,"Applicants","Total","1","2","3","4","5","6",null,"Calculation Notes"]
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[null,"Investment",0,{"$f":"OFFSET('Serviceability Calculator'!$C48,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C48,(I$2-1)*vApplicant_Rows,0)","v":0}]
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[null,"Rental Income 8",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C64,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
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[null,"Rental Income 10",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(D$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(E$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(F$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(G$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(H$2-1)*vApplicant_Rows,0),2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$C66,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(I$2-1)*vApplicant_Rows,0),2)","v":0}]
[null,"Total Income",0,{"$f":"SUM(D3:D18)","v":0},0,0,0,0,0]
[null,"Rental Shading",0,{"$f":"SUM(D9:D18)*(1-vRentalShading)","v":0},0,0,0,0,0]
[null,"Gross Annual Income",0,{"$f":"D19-D20","v":0},{"$f":"E19-E20","v":0},0,0,0,0]
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[null,"Interest Deductions 2",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E58,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D58,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 3",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E59,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D59,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 4",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E60,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D60,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 5",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E61,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D61,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 6",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E62,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D62,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 7",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E63,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D63,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 8",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E64,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D64,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 9",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E65,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D65,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,"Interest Deductions 10",0,{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(D$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(D$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(E$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(E$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(F$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(F$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(G$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(G$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(H$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(H$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0},{"$f":"ROUND(OFFSET('Serviceability Calculator'!$E66,(I$2-1)*vApplicant_Rows,0)*OFFSET('Serviceability Calculator'!$D66,(I$2-1)*vApplicant_Rows,0)*vGearing,2)","v":0}]
[null,{"$f":"\"Rental Deductions \"&IF(vPropertyExpense=0,\"(N/A)\",\"@ \"&TEXT(vPropertyExpense,\"0.00%\"))","v":"Rental Deductions (N/A)"},0,{"$f":"IF(vPropertyExpense=0,0,ROUND(SUM(D9:D18)/(1-vPropertyExpense)*vPropertyExpense,2))","v":0},{"$f":"IF(vPropertyExpense=0,0,ROUND(SUM(E9:E18)/(1-vPropertyExpense)*vPropertyExpense,2))","v":0},0,0,0,0]
[null,"Taxable Gross Income",0,{"$f":"D21-SUM(D22:D32)","v":0},{"$f":"E21-SUM(E22:E32)","v":0},0,0,0,0,null,"Taxable Gross Income used for HEM Calculation"]
[null,"Income Tax and Medicare",0,{"$f":"IF(D33<=0,0,ROUND(VLOOKUP(D33,tIncomeTax,3)+(D33-VLOOKUP(D33,tIncomeTax,1))*VLOOKUP(D33,tIncomeTax,2)+D33*vMedicareLevy,2))","v":0},0,0,0,0,0,null,"From PAYG Table plus Medicare Rate"]
[null,"Non-Taxable",0,{"$f":"OFFSET('Serviceability Calculator'!$C30,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C30,(I$2-1)*vApplicant_Rows,0)","v":0}]
[null,"Self Employed Add Backs",0,{"$f":"OFFSET('Serviceability Calculator'!$C36,(D$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(D$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(D$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(E$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(E$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(E$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(F$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(F$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(F$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(G$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(G$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(G$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(H$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(H$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(H$2-1)*vApplicant_Rows,0)","v":0},{"$f":"OFFSET('Serviceability Calculator'!$C36,(I$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C38,(I$2-1)*vApplicant_Rows,0)+OFFSET('Serviceability Calculator'!$C40,(I$2-1)*vApplicant_Rows,0)","v":0},null,"Includes Interest, Other Addbacks and Depreciation"]
[null,"Net Annual Income",0,{"$f":"D21-D34+D35+D36","v":0},0,0,0,0,0]
[null,"Hem Expenses (Weekly)",0,{"$f":"ROUND(OFFSET(vHEM,D$2,0),0)","v":0},0,0,0,0,0]
[null,"HEM Expenses",0,{"$f":"ROUND(D38*52/12,0)","v":0},{"$f":"ROUND(E38*52/12,0)","v":0},0,0,0,0,null,"From the HEM Table"]
[]
[null,"Company","Total","1"]
[null,"Company Net Profit Before Tax",{"$f":"IF(vCompany,D42,0)","v":0},{"$f":"'Serviceability Calculator'!$C330","v":0}]
[null,"Rental Income 1",0,{"$f":"ROUND('Serviceability Calculator'!$C343*'Serviceability Calculator'!$D343,2)","v":0},null,null,null,null,null,null,"% Ownership applied to Rent Received"]
[null,"Rental Income 2",0,{"$f":"ROUND('Serviceability Calculator'!$C344*'Serviceability Calculator'!$D344,2)","v":0}]
[null,"Rental Income 3",0,{"$f":"ROUND('Serviceability Calculator'!$C345*'Serviceability Calculator'!$D345,2)","v":0}]
[null,"Rental Income 4",0,{"$f":"ROUND('Serviceability Calculator'!$C346*'Serviceability Calculator'!$D346,2)","v":0}]
[null,"Rental Income 5",0,{"$f":"ROUND('Serviceability Calculator'!$C347*'Serviceability Calculator'!$D347,2)","v":0}]
[null,"Rental Income 6",0,{"$f":"ROUND('Serviceability Calculator'!$C348*'Serviceability Calculator'!$D348,2)","v":0}]
[null,"Rental Income 7",0,{"$f":"ROUND('Serviceability Calculator'!$C349*'Serviceability Calculator'!$D349,2)","v":0}]
[null,"Rental Income 8",0,{"$f":"ROUND('Serviceability Calculator'!$C350*'Serviceability Calculator'!$D350,2)","v":0}]
[null,"Rental Income 9",0,{"$f":"ROUND('Serviceability Calculator'!$C351*'Serviceability Calculator'!$D351,2)","v":0}]
[null,"Rental Income 10",0,{"$f":"ROUND('Serviceability Calculator'!$C352*'Serviceability Calculator'!$D352,2)","v":0}]
[null,"Total Income",0,{"$f":"SUM(D42:D52)","v":0}]
[null,"Rental Shading",0,{"$f":"SUM(D43:D52)*(1-vRentalShading)","v":0}]
[null,"Gross Annual Income",0,{"$f":"D53-D54","v":0}]
[null,"Interest Deductions 1",0,{"$f":"ROUND('Serviceability Calculator'!$E343*'Serviceability Calculator'!$D343*vGearing,2)","v":0},null,null,null,null,null,null,"Gearing Rate entered for the Investment Loan Amount, % Ownership also applied"]
[null,"Interest Deductions 2",0,{"$f":"ROUND('Serviceability Calculator'!$E344*'Serviceability Calculator'!$D344*vGearing,2)","v":0}]
[null,"Interest Deductions 3",0,{"$f":"ROUND('Serviceability Calculator'!$E345*'Serviceability Calculator'!$D345*vGearing,2)","v":0}]
[null,"Interest Deductions 4",0,{"$f":"ROUND('Serviceability Calculator'!$E346*'Serviceability Calculator'!$D346*vGearing,2)","v":0}]
[null,"Interest Deductions 5",0,{"$f":"ROUND('Serviceability Calculator'!$E347*'Serviceability Calculator'!$D347*vGearing,2)","v":0}]
[null,"Interest Deductions 6",0,{"$f":"ROUND('Serviceability Calculator'!$E348*'Serviceability Calculator'!$D348*vGearing,2)","v":0}]
[null,"Interest Deductions 7",0,{"$f":"ROUND('Serviceability Calculator'!$E349*'Serviceability Calculator'!$D349*vGearing,2)","v":0}]
[null,"Interest Deductions 8",0,{"$f":"ROUND('Serviceability Calculator'!$E350*'Serviceability Calculator'!$D350*vGearing,2)","v":0}]
[null,"Interest Deductions 9",0,{"$f":"ROUND('Serviceability Calculator'!$E351*'Serviceability Calculator'!$D351*vGearing,2)","v":0}]
[null,"Interest Deductions 10",0,{"$f":"ROUND('Serviceability Calculator'!$E352*'Serviceability Calculator'!$D352*vGearing,2)","v":0}]
[null,"Taxable Gross Income",0,{"$f":"D55-SUM(D56:D65)","v":0}]
[null,{"$f":"\"Company Tax @ \"&TEXT(vCompanyTaxRate,\"0.00%\")","v":"Company Tax @ 25.00%"},0,{"$f":"IF(D66<=0,0,ROUND(D66*vCompanyTaxRate,2))","v":0},null,null,null,null,null,null,"Using Company Tax Rate entered"]
[null,"Company Addbacks",0,{"$f":"'Serviceability Calculator'!$C332+'Serviceability Calculator'!$C334+'Serviceability Calculator'!$C336","v":0},null,null,null,null,null,null,"Includes Interest, Other Addbacks and Depreciation"]
[null,"Company Profit After Tax",0,{"$f":"D55-D67+D68","v":0}]
[]
[null,"Commitments (Annual)","Used","Repayment","Limit",{"$f":"\"Assessed at \"&TEXT(vFloorRate,\"0.00%\")","v":"Assessed at 6.00%"}]
[null,"Commitment 1",{"$f":"IF(vResidential,MAX(D72,F72),MAX(D72,F72))","v":0},{"$f":"'Serviceability Calculator'!$D360*12","v":0},{"$f":"IF('Serviceability Calculator'!$E360=\"N/A\",0,'Serviceability Calculator'!E360)","v":0},{"$f":"IF(E72=0,0,-PMT(vFloorRate/12,vLoanTerm*12,E72)*12)","v":0},null,null,null,null,"Assessed using Floor Rate entered"]
[null,"Commitment 2",0,{"$f":"'Serviceability Calculator'!$D361*12","v":0},{"$f":"IF('Serviceability Calculator'!$E361=\"N/A\",0,'Serviceability Calculator'!E361)","v":0},0]
[null,"Commitment 3",0,{"$f":"'Serviceability Calculator'!$D362*12","v":0},{"$f":"IF('Serviceability Calculator'!$E362=\"N/A\",0,'Serviceability Calculator'!E362)","v":0},0]
[null,"Commitment 4",0,{"$f":"'Serviceability Calculator'!$D363*12","v":0},{"$f":"IF('Serviceability Calculator'!$E363=\"N/A\",0,'Serviceability Calculator'!E363)","v":0},0]
[null,"Commitment 5",0,{"$f":"'Serviceability Calculator'!$D364*12","v":0},{"$f":"IF('Serviceability Calculator'!$E364=\"N/A\",0,'Serviceability Calculator'!E364)","v":0},0]
[null,"Commitment 6",0,{"$f":"'Serviceability Calculator'!$D365*12","v":0},{"$f":"IF('Serviceability Calculator'!$E365=\"N/A\",0,'Serviceability Calculator'!E365)","v":0},0]
[null,"Commitment 7",0,{"$f":"'Serviceability Calculator'!$D366*12","v":0},{"$f":"IF('Serviceability Calculator'!$E366=\"N/A\",0,'Serviceability Calculator'!E366)","v":0},0]
[null,"Commitment 8",0,{"$f":"'Serviceability Calculator'!$D367*12","v":0},{"$f":"IF('Serviceability Calculator'!$E367=\"N/A\",0,'Serviceability Calculator'!E367)","v":0},0]
[null,"Commitment 9",0,{"$f":"'Serviceability Calculator'!$D368*12","v":0},{"$f":"IF('Serviceability Calculator'!$E368=\"N/A\",0,'Serviceability Calculator'!E368)","v":0},0]
[null,"Commitment 10",0,{"$f":"'Serviceability Calculator'!$D369*12","v":0},{"$f":"IF('Serviceability Calculator'!$E369=\"N/A\",0,'Serviceability Calculator'!E369)","v":0},0]
[null,"Total Repayments",{"$f":"SUM(C72:C81)","v":0},{"$f":"SUM(D72:D81)","v":0},{"$f":"SUM(E72:E81)","v":0},{"$f":"SUM(F72:F81)","v":0}]
[null,"Credit Cards",{"$f":"D83","v":0},{"$f":"'Serviceability Calculator'!$C371*vCCRate*12","v":0},{"$f":"'Serviceability Calculator'!C371","v":0},{"$f":"D83","v":0},null,null,null,null,"Credit Card Limits x Credit Card Rate entered"]
[null,"Total Commitments",{"$f":"SUM(C82:C83)","v":0},{"$f":"SUM(D82:D83)","v":0},{"$f":"SUM(E82:E83)","v":0},{"$f":"SUM(F82:F83)","v":0}]
[null,"Living Expenses",{"$f":"IF(OR(D85>F85),D85,F85)","v":0},{"$f":"'Serviceability Calculator'!$C373*12","v":0},null,{"$f":"vHEM_Amount*12","v":0},null,null,null,null,"Higher of Actual or HEM"]
[null,"Loan Applied For",{"$f":"F86","v":0},{"$f":"'Serviceability Calculator'!C393","v":0},{"$f":"vLoan_Amount","v":0},{"$f":"'Serviceability Calculator'!E393","v":0}]
[null,"Total Limits",{"$f":"E87","v":0},null,{"$f":"SUM(E84:E86)","v":0}]

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{"sheet":"Scope Inputs","index":9,"n_rows":47,"n_cols":10,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"https://caps.helia.com.au/serviceability-calculator/",null,null,null,null,null,null,"\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\"]
[null,null,null,null,null,null,null,null,null,"YBR Calculator"]
[null,null,null,null,null,null,null,null,null,"Macquarie Calculator"]
[null,"APPLICATION NAME (not Applicant Name)"]
[]
[]
[null,"PER APPLICANT"]
[]
[null,"PAYG"]
[]
[null,"Income Type",null,"Gross Only"]
[]
[null,"Include Variable Income, including Add more"]
[]
[null,"SELF EMPLOYED"]
[]
[null,"As is"]
[]
[null,"RENTAL INCOME"]
[]
[null,"Amount","Frequency","Ownership","Investment Loan"]
[]
[null,"Rental Type no required"]
[]
[]
[null,"NON Taxable"]
[]
[null,"As is"]
[]
[]
[]
[]
[null,"COMPANY"]
[]
[null,"Income",null,"As is"]
[]
[null,"Rental Income",null,"As is","(remove Rental Type)"]
[]
[]
[]
[]
[]
[]
[null,"COMMITMENTS",null,"Total for all Applicants"]
[]
[null,"As is"]

{"sheet":"Scope Results","index":10,"n_rows":4,"n_cols":2,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
[]
[null,"As per Gen Worth"]
[]
[null,"Then can Download detailed PDF"]

{"sheet":"Scope General","index":11,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,"Be able to brand as their own"]
[null,null,"Import Logo"]
[null,null,"Color Scheme"]
[]
[null,"Version Controlled"]
[]
[]
[null,"Date of Calculation included"]
[]
[]
[]
[null,"Input Tax Tables (Company and PAYG)"]
[]
[null,"Input HEM Tables (living costs)"]
[]
[null,"Commitments (to be decided)"]
[null,null,"For now, use actual, but ability to change"]
[null,null,"Buffer and Stress rates zero for now"]
[]
[null,null,"30 years with Benchmark Rate of 5.25%"]
[]
[]
[null,"Outputs"]
[null,null,"NDI Ratio","1 minimum",null,"Outgoings/Income"]
[null,null,"DTI ratio","need to know it"]