Income Annualisation Calculator
Convert your income into annualised figures for accurate home loan assessments - ideal for self-employed borrowers.
Income Annualisation Calculator
Year-to-Date details
Australian FY starts 1 July. Adjust if using a different period.
The last day of your most recent completed pay period.
Total gross income shown on your latest payslip.
How lenders assess income
Lenders use your annualised income — not just your last payslip — to assess your borrowing capacity. For employees, this is usually calculated from your YTD earnings on payslips.
The 48-week casual equivalent accounts for 4 weeks of potential unpaid leave — a conservative estimate used by many Australian lenders when assessing casual workers.
Both weekly and fortnightly wage frequencies are shown, as lenders may use either depending on your pay cycle.
Applicant employed prior to start of current financial year
Weekly
Wages paid
Fortnightly
Wages paid
Annualised income
87,837.84
85,526.32
256 days elapsed
36.57 weeks
18.29 fortnights
Casual equivalent over 48 weeks
81,081.08
78,947.37
YTD income $62,500.00 over 256 days (36.57 weeks / 18.29 fortnights) → weekly annualised $87,837.84 · fortnightly annualised $85,526.32
Note: Results are indicative estimates only. Actual income assessment may differ based on individual lender policies, income type, employment history, and other factors. Consult a mortgage broker for a personalised assessment.
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