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{"sheet":"Menu","index":0,"n_rows":21,"n_cols":1,"rows_kept":21,"cut":false,"hidden":false,"merged":[[5,0,5,11],[4,0,4,11],[20,0,22,11],[0,6,3,11]]}
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["Serviceability Calculator"]
["Version 1.19 (1 April 2024)"]
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[{"$f":"'Linked Picture'!J3","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]

{"sheet":"ResidentialGuide","index":1,"n_rows":72,"n_cols":2,"rows_kept":72,"cut":false,"hidden":true,"merged":[[34,1,35,11],[51,0,52,0],[51,1,52,11],[0,0,3,11],[11,0,11,11],[16,1,17,11],[18,0,18,11],[23,1,24,11],[28,1,29,11]]}
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["User Guide"]
[]
["Residential Serviceability Calculator"]
["Application Name:","Enter the applicants name"]
["Application #:","Enter the application number (if known)"]
[]
["Income Details"]
["Applicant Details:"]
["Heading:","Able to amend the headings for 'Applicant 1', 'Applicant 2', etc to the actual applicant name. "]
["Status:","Select the relevant household relationship status option from the dropdown box. "]
[null,"Is the applicant Individual (Single), Individual (Couple), or a Company  "]
["Household:","Enter the household number that the appliant is a member of. If there is more than one applicant and they reside in separate households (and will continue to do so after settlement), enter 1, 2 and/or 3 respectively. "]
[]
[]
["Individual:","For individual applicants"]
["HECS / HELP Debt:","If relevant, select Yes from the dropdown box, otherwise leave as No"]
["Gross Annual Income ","If a PAYG individual, enter their gross annual income figure (pre-tax, excluding employer superannuation)."]
[null,"If a Self-Employed individual, enter their net profit before tax figure including allowable add-backs e.g. depreciation"]
["Annual Non-Taxable Income:","Enter the individuals annual non-taxable income (for example, government benefit, Family A&B payment. Some industries provide a portion of salary as non-taxable)"]
[]
["Annual Gross Rental Income:","Enter the individuals share of gross rental income from investment properties (existing and proposed). "]
[null,"(The calculator will adopt 80% of the gross rental figure)."]
["Annual Investment Property Interest:","Negative gearing. Enter the annual interest amount for existing and proposed investment property loans."]
["Annual Investment Property utilities, rates & costs:","Enter the current and proposed investment property costs (12x declared Investment Property Costs in declared living expenses)"]
[]
["Company:","For Company applicants"]
["NPBT:","Enter the annual company Net Profit Before Tax (after all company expenses have been accounted for)"]
["Addbacks:","Acceptable Addbacks:"]
[null,"   + Depreciation amount from the recent company Financial Statements."]
[null,"   + Annual interest on an existing company loan being refinanced with this ORDE loan, or has or will be    \n      repaid prior to settlement."]
[]
[null,"   + One off expenses which can be verified as non-recurring. "]
["Annual Gross Rental Income (not included in NPBT):","New / proposed rental income to be received by the company."]
["Living Expenses (Per Month):       (*non-HEM expenses)","If there is more than one household, enter the living expenses for each relevant household.  "]
["Dependents","Enter the number of dependents for each relevant household."]
["Primary Residence property utilities, rates & costs","Council rates, water rates, utilities, land tax, property maintenance, furnishings."]
["Groceries","Groceries (food and non-alcoholic beverages), toiletries, cleaning products."]
["Clothing & Personal Care","Clothing, footwear, personal care products, cosmetics, hairdressers."]
["Transport","Fuel, registration, vehicle maintenance, parking, tolls, public transport, ride share."]
["Medical & Health","General Practitioners, Medical Specialists, Optical, Dental, Pharmacy "]
["Education (excluding Private School Fees)","Public school fees, books, uniforms, camps, etc. Training fees, higher education, vocational training."]
["Education - Private School Fees *","Private school fees and costs."]
["Childcare","Day Care, Kindergarten, Baby Sitting, etc (Childcare payments after rebate)."]
["Insurance (excluding Private Health, Life and IP)","Home, contents, vehicle insurance, pet, general property insurance"]
["Private Health, Life and IP Insurance *","Private Health, Life, Total Permanent Disability (TPD), Income Protection (IP) (not included in super fund) "]
["Telephone, Internet, Pay TV & Media Streaming","Telephone, internet, pay TV, media streaming (netflix, spotify, etc)"]
["Recreation & Entertainment","Eating out, takeaway food and drinks, alcohol, tobacco products, concerts, movies, gambling, purchase and hire of recreational / sports items, holidays."]
[]
["Memberships ","Gym, sporting clubs, subscriptions."]
["Non-Complusory Superannuation *","Additonal superannuation contributions."]
["Maintenance *","Child support for non-dependent children, maintenance payments to ex-partners."]
["Other Living Expenses","All other expenses not accounted for in above categories."]
["Other Commitments"]
["For owner occupied and investment loans, enter the current outstanding balance and the actual monthly repayment amount e.g. interest only or principal and interest. "]
["For loans which are in advance / have redraw available, enter the total debt that the loan can be drawn up to (balance + redraw)."]
["For Lines of Credit  / Overdrafts, enter the approved facility limit and the contracted monthly repayment amount."]
["For Personal Loans, enter the current outstanding balance and the monthly repayment amount. "]
["For Credit Cards, enter the approved card limit. (The calculator will adopt 3.8% of the total limit as a repayment amount, regardless of the outstanding balance). "]
["Rent / Board: If the applicant is currently residing in a rental property and will continue to do so after settlement, enter the current monthly rental expense. "]
["Loan Details"]
["New Loan Amount","Enter the proposed new ORDE Financial loan amount"]
["Interest Rate:","Enter the relevant product interest rate (as per Product Guide) "]
["Repayment Type:","Select relevant repayment type - Amortising or Bullet"]
[null," - Amortising: Principal (post Interest Only period) repaid over the life of the loan"]
[null," - Bullet: Interest Only for the life of the loan, Principal to be repaid at loan maturity"]
["Loan Term (Years):","Enter the requested Loan Term"]
["Interest Only Term (Years): ","If seeking an initial interest only period, enter the number of years "]

{"sheet":"SMSFGuide","index":2,"n_rows":39,"n_cols":2,"rows_kept":39,"cut":false,"hidden":true,"merged":[[30,1,30,11],[0,0,3,11],[17,1,17,11],[19,0,19,11],[25,1,25,11],[29,1,29,11],[18,1,18,11]]}
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["User Guide"]
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["SMSF Serviceability Calculator"]
["Application Name:","Enter the applicants name"]
["Application #:","Enter the application number (if known)"]
[]
["Income Details"]
["Applicant Details:"]
["Heading:","Able to amend the headings for 'Member 1', 'Member 2', etc to the actual SMSF Members name. "]
["Gross Annual Income:","Enter the gross annual income amount for each SMSF member"]
["Compulsory Superannuation Contributions:","Enter the compulsory superannuation contribution amount the SMSF member receives"]
["Superannuation Contributions (%)","Will auto calculate from the figures entered above."]
["Salary Sacrifice Contributions","Enter the amount of contributions the SMSF members makes via salary sacrifice "]
["Non-Concessional Contributions","Enter the amount of after tax superannuation contributions"]
[]
["SMSF Details:"]
["Annual Gross Rental Income (Security)","Enter the annual gross rental income derived from the property offered as secruity. "]
["Annual Gross Rental Income (Other)","Enter the annual gross rental income derived from existing SMSF investment properties. "]
["Other SMSF Assets","Enter the indicative post-settlement SMSF Cash Management Account residual balance. (Adopts a 3% return)"]
["SMSF Ongoing Expenses (Annual)"]
["Total Ongoing SMSF Expenses Declared","Enter the amount of ongoing SMSF expenses (accounting, administrative, property, insurances, etc)"]
[null,"*A minimum of $2,500 will apply. Where the SMSF has existing assets, the SMSF financials are to be "]
[null,"reviewed to confirm the ongoing expenses. "]
["Other Commitments"]
["Investment Property 1","If the SMSF has an existing loan, enter the loan mount, repayment amount and interest rate"]
["Investment Property 2","If the SMSF has an existing loan, enter the loan mount, repayment amount and interest rate"]
["Loan Details"]
["New Loan Amount","Enter the proposed new ORDE Financial loan amount"]
["Interest Rate:","Enter the relevant product interest rate (as per Product Guide) "]
["Repayment Type:","Select relevant repayment type - Amortising or Bullet"]
[null,"- Amortising: Principal (post Interest Only period) repaid over the life of the loan"]
[null," - Bullet: Interest Only for the life of the loan, Principal to be repaid at loan maturity"]
["Loan Term (Years):","Enter the requested Loan Term"]
["Interest Only Term (Years): ","If seeking an initial interest only period, enter the number of years "]

{"sheet":"CommercialGuide","index":3,"n_rows":71,"n_cols":2,"rows_kept":71,"cut":false,"hidden":true,"merged":[[32,1,33,11],[50,0,51,0],[50,1,51,11],[0,0,3,11],[11,0,11,11],[16,1,17,11],[18,0,18,11],[23,1,24,11],[28,1,29,11]]}
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["User Guide"]
[]
["Commercial Serviceability Calculator"]
["Application Name:","Enter the applicants name"]
["Application #:","Enter the application number (if known)"]
[]
["Income Details"]
["Applicant Details:"]
["Heading:","Able to amend the headings for 'Applicant 1', 'Applicant 2', etc to the actual applicant name. "]
["Status:","Select the relevant household relationship status option from the dropdown box. "]
[null,"Is the applicant Individual (Single), Individual (Couple), or a Company  "]
["Household:","Enter the household number that the appliant is a member of. If there is more than one applicant and they reside in separate households (and will continue to do so after settlement), enter 1, 2 and/or 3 respectively. "]
[]
[]
["Individual:","For individual applicants"]
["HECS / HELP Debt:","If relevant, select Yes from the dropdown box, otherwise leave as No"]
["Gross Annual Income ","If a PAYG individual, enter their gross annual income figure (pre-tax, excluding employer superannuation)."]
[null,"If a Self-Employed individual, enter their net profit before tax figure including allowable add-backs e.g. depreciation."]
["Annual Non-Taxable Income:","Enter the individuals annual non-taxable income (for example, government benefit, Family A&B payment. Some industries provide a portion of salary as non-taxable)"]
[]
["Annual Gross Rental Income:","Enter the individuals share of gross rental income from investment properties (existing and proposed). "]
[null,"(The calculator will adopt 80% of the gross rental figure)."]
["Investment Property Interest Expense:","Negative gearing. Enter the annual interest amount for existing and proposed investment property loans."]
["Investment Property utilities, rates & costs:","Enter the current and proposed investment property costs (12x declared Investment Property Costs in declared living expenses)"]
[]
["Company:","For Company applicants"]
["Company NPBT:","Enter the annual company Net Profit Before Tax (after all company expenses have been accounted for)"]
["Addbacks - Interest Paid:","Annual interest on an existing company loan being refinanced with this ORDE loan, or has or will be repaid prior to settlement."]
[]
["Addbacks - Other","Depreciation amount from the recent company Financial Statements."]
[null,"One off expenses which can be verified as non-recurring. "]
["Annual Gross Rental Income (not included in NPBT):","New / proposed rental income to be received by the company."]
["Living Expenses (Per Month):       (*non-HEM Expenses)","If there is more than one household, enter the living expenses for each relevant household.  "]
["Dependents","Enter the number of dependents for each relevant household."]
["Primary Residence property utilities, rates & costs","Council rates, water rates, utilities, land tax, property maintenance, furnishings."]
["Groceries","Groceries (food and non-alcoholic beverages), toiletries, cleaning products."]
["Clothing & Personal Care","Clothing, footwear, personal care products, cosmetics, hairdressers."]
["Transport","Fuel, registration, vehicle maintenance, parking, tolls, public transport, ride share."]
["Medical & Health","General Practitioners, Medical Specialists, Optical, Dental, Pharmacy "]
["Education (excluding Private School Fees)","Public school fees, books, uniforms, camps, etc. Training fees, higher education, vocational training."]
["Education - Private School Fees *","Private school fees and costs."]
["Childcare","Day Care, Kindergarten, Baby Sitting, etc (Childcare payments after rebate)."]
["Insurance (excluding Private Health, Life and IP)","Home, contents, vehicle insurance, pet, general property insurance"]
["Private Health, Life and IP Insurance *","Private Health, Life, Total Permanent Disability (TPD), Income Protection (IP) (not included in super fund) "]
["Telephone, Internet, Pay TV & Media Streaming","Telephone, internet, pay TV, media streaming (netflix, spotify, etc)"]
["Recreation & Entertainment","Eating out, takeaway food and drinks, alcohol, tobacco products, concerts, movies, gambling, purchase and hire of recreational / sports items, holidays."]
[]
["Memberships ","Gym, sporting clubs, subscriptions."]
["Non-Complusory Superannuation *","Additonal superannuation contributions."]
["Maintenance *","Child support for non-dependent children, maintenance payments to ex-partners."]
["Other Living Expenses","All other expenses not accounted for in above categories."]
["Other Commitments"]
["For owner occupied and investment loans, enter the current outstanding balance and the actual monthly repayment amount e.g. interest only or principal and interest. "]
["For loans which are in advance / have redraw available, enter the total debt that the loan can be drawn up to (balance + redraw)."]
["For Lines of Credit  / Overdrafts, enter the approved facility limit and the contracted monthly repayment amount."]
["For Personal Loans, enter the current outstanding balance and the monthly repayment amount. "]
["For Credit Cards, enter the approved card limit. (The calculator will adopt 3.8% of the total limit as a repayment amount, regardless of the outstanding balance). "]
["Rent / Board: If the applicant is currently residing in a rental property and will continue to do so after settlement, enter the current monthly rental expense. "]
["Loan Details"]
["New Loan Amount","Enter the proposed new ORDE Financial loan amount"]
["Interest Rate:","Enter the relevant product interest rate (as per Product Guide) "]
["Repayment Type:","Select relevant repayment type - Amortising or Bullet"]
[null,"- Amortising: Principal (post Interest Only period) repaid over the life of the loan"]
[null," - Bullet: Interest Only for the life of the loan, Principal to be repaid at loan maturity"]
["Loan Term (Years):","Enter the requested Loan Term"]
["Interest Only Term (Years): ","If seeking an initial interest only period, enter the number of years "]

{"sheet":"LeaseDocGuide","index":4,"n_rows":20,"n_cols":2,"rows_kept":20,"cut":false,"hidden":true,"merged":[[0,0,3,11]]}
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["User Guide"]
[]
["Lease Doc Serviceability Calculator"]
["Application Name:","Enter the applicants name"]
["Application #:","Enter the application number (if known)"]
[]
["Loan Details"]
["Monthly Net Rental Income (Security):","Enter the lower of the Net Market Rental (as confirmed by valuation) or the agreed Lease Income"]
["New Loan Amount","Enter the proposed new ORDE Financial loan amount"]
["Repayment Type:","Select Amortising or Bullet"]
[null,"- Amortising: Principal (post Interest Only period) repaid over the life of the loan"]
[null," - Bullet: Interest Only for the life of the loan, Principal to be repaid at loan maturity"]
["Interest Rate:","Enter the relevant product interest rate (as per Product Guide) "]
["Loan Term (Years):","Enter the requested Loan Term"]
["Interest Only Term (Years): ","If seeking an initial interest only period, enter the number of years "]

{"sheet":"Residential","index":5,"n_rows":131,"n_cols":14,"rows_kept":131,"cut":false,"hidden":true,"merged":[[57,0,57,2],[58,0,58,2],[69,2,69,4],[69,6,69,8],[55,0,55,2],[44,0,44,2],[45,0,45,2],[6,0,6,13],[28,0,28,13],[56,0,56,2],[48,0,48,2],[49,0,49,2],[50,0,50,2],[51,0,51,2],[46,0,46,2],[47,0,47,2],[52,0,52,2],[53,0,53,2],[54,0,54,2],[0,2,1,10],[2,0,2,8],[2,10,2,12],[112,0,113,13],[85,0,85,2],[59,0,59,2],[60,0,60,2],[62,0,62,2],[65,0,65,2],[66,0,66,2],[69,10,69,12],[86,0,86,2],[105,8,106,8],[108,8,110,12],[4,2,4,6],[40,0,40,2]]}
[]
[]
[" Residential Serviceability Calculator",null,null,null,null,null,null,null,null,null,{"$f":"Menu!A6","v":"Version 1.19 (1 April 2024)"}]
[]
["Application Name:",null,null,null,null,null,null,null,"Application #:"]
[]
["Income Details"]
[]
["Applicant Details:",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6"]
["Status",null,"n/a",null,"n/a",null,"n/a",null,"n/a",null,"n/a",null,"n/a"]
["Household"]
[null,null,{"$f":"C123","v":""}]
["Individual"]
["HECS/HELP Debt",null,"No",null,"No",null,"No",null,"No",null,"No",null,"No"]
["Gross Annual Income",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Non-Taxable Income",null,0,null,0,null,0,null,0,null,0,null,0]
[]
["Annual Gross Rental Income",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Investment Property Interest (Negative Gearing)",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Investment property utilities, rates & costs",null,0,null,0,null,0,null,0,null,0,null,0]
["Company"]
["NPBT",null,0,null,0,null,0,null,0,null,0,null,0]
["Addbacks",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Gross Rental Income (not included in NPBT)",null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,{"$f":"((C15+C16)/12)+((C22+C23+(C24))/12)+(C18/12)","v":0},null,{"$f":"((E15+E16)/12)+((E22+E23+(E24))/12)+(E18/12)","v":0},null,{"$f":"((G15+G16)/12)+((G22+G23+(G24))/12)+(G18/12)","v":0},null,{"$f":"((I15+I16)/12)+((I22+I23+(I24))/12)+(I18/12)","v":0},null,{"$f":"((K15+K16)/12)+((K22+K23+(K24))/12)+(K18/12)","v":0},null,{"$f":"((M15+M16)/12)+((M22+M23+(M24))/12)+(M18/12)","v":0}]
["Total Income (Monthly)",null,{"$f":"((C15+C16)/12)+((C22+C23+(C24*'Tax Tables'!$D$1))/12)+(C18/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((E15+E16)/12)+((E22+E23+(E24*'Tax Tables'!$D$1))/12)+(E18/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((G15+G16)/12)+((G22+G23+(G24*'Tax Tables'!$D$1))/12)+(G18/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((I15+I16)/12)+((I22+I23+(I24*'Tax Tables'!$D$1))/12)+(I18/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((K15+K16)/12)+((K22+K23+(K24*'Tax Tables'!$D$1))/12)+(K18/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((M15+M16)/12)+((M22+M23+(M24*'Tax Tables'!$D$1))/12)+(M18/12*'Tax Tables'!$D$1)","v":0}]
["Net Income (Monthly)",null,{"$f":"IF(C10=\"Company\",C26-('Tax Tables'!H42/12)-((C20)/12),IF(C14=\"No\",C26-('Tax Tables'!H42/12)-((C22+(C24*'Tax Tables'!$D$1)+C23)*'Tax Tables'!$D$2/12)-((C20)/12),C26-('Tax Tables'!H65/12)-((C22+(C24*'Tax Tables'!$D$1)+C23)*'Tax Tables'!$D$2/12)-((C20)/12)))","v":0},null,{"$f":"IF(E10=\"Company\",E26-('Tax Tables'!J42/12)-((E20)/12),IF(E14=\"No\",E26-('Tax Tables'!J42/12)-((E22+(E24*'Tax Tables'!$D$1)+E23)*'Tax Tables'!$D$2/12)-((E20)/12),E26-('Tax Tables'!J65/12)-((E22+(E24*'Tax Tables'!$D$1)+E23)*'Tax Tables'!$D$2/12)-((E20)/12)))","v":0},null,{"$f":"IF(G10=\"Company\",G26-('Tax Tables'!L42/12)-((G20)/12),IF(G14=\"No\",G26-('Tax Tables'!L42/12)-((G22+(G24*'Tax Tables'!$D$1)+G23)*'Tax Tables'!$D$2/12)-((G20)/12),G26-('Tax Tables'!L65/12)-((G22+(G24*'Tax Tables'!$D$1)+G23)*'Tax Tables'!$D$2/12)-((G20)/12)))","v":0},null,{"$f":"IF(I10=\"Company\",I26-('Tax Tables'!N42/12)-((I20)/12),IF(I14=\"No\",I26-('Tax Tables'!N42/12)-((I22+(I24*'Tax Tables'!$D$1)+I23)*'Tax Tables'!$D$2/12)-((I20)/12),I26-('Tax Tables'!N65/12)-((I22+(I24*'Tax Tables'!$D$1)+I23)*'Tax Tables'!$D$2/12)-((I20)/12)))","v":0},null,{"$f":"IF(K10=\"Company\",K26-('Tax Tables'!P42/12)-((K20)/12),IF(K14=\"No\",K26-('Tax Tables'!P42/12)-((K22+(K24*'Tax Tables'!$D$1)+K23)*'Tax Tables'!$D$2/12)-((K20)/12),K26-('Tax Tables'!P65/12)-((K22+(K24*'Tax Tables'!$D$1)+K23)*'Tax Tables'!$D$2/12)-((K20)/12)))","v":0},null,{"$f":"IF(M10=\"Company\",M26-('Tax Tables'!R42/12)-((M20)/12),IF(M14=\"No\",M26-('Tax Tables'!R42/12)-((M22+(M24*'Tax Tables'!$D$1)+M23)*'Tax Tables'!$D$2/12)-((M20)/12),M26-('Tax Tables'!R65/12)-((M22+(M24*'Tax Tables'!$D$1)+M23)*'Tax Tables'!$D$2/12)-((M20)/12)))","v":0}]
[]
["Living Expenses (Per Month) - All living expenses must be completed. Where an amount is $0, further explanation is required"]
["Household",null,null,null,1,null,null,null,2,null,null,null,3]
["Household Status",null,null,null,{"$f":"IF(E30=$C$11,$C$10,IF(E30=$E$11,$E$10,IF(E30=$G$11,$G$10,IF(E30=$I$11,$I$10,IF(E30=$K$11,$K$10,IF(E30=$M$11,$M$10,\"\"))))))","v":""},null,null,null,{"$f":"IF(I30=$C$11,$C$10,IF(I30=$E$11,$E$10,IF(I30=$G$11,$G$10,IF(I30=$I$11,$I$10,IF(I30=$K$11,$K$10,IF(I30=$M$11,$M$10,\"\"))))))","v":""},null,null,null,{"$f":"IF(M30=$C$11,$C$10,IF(M30=$E$11,$E$10,IF(M30=$G$11,$G$10,IF(M30=$I$11,$I$10,IF(M30=$K$11,$K$10,IF(M30=$M$11,$M$10,\"\"))))))","v":""}]
["Status ID",null,null,null,{"$f":"IFERROR(VLOOKUP(E31,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(I31,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(M31,List!$B$1:$C$5,2,FALSE),\"\")","v":""}]
["Dependents",null,null,null,{"$f":"E43","v":0},null,null,null,{"$f":"I43","v":0},null,null,null,{"$f":"M43","v":0}]
["HEMID",null,null,null,{"$f":"E32&E33","v":"0"},null,null,null,{"$f":"I32&I33","v":"0"},null,null,null,{"$f":"M32&M33","v":"0"}]
["HouseholdIncome",null,null,null,{"$f":"(SUMIF($C$11:$M$11,E30,$C$26:$M$26)*12)-(SUMIF(C11:M11,E30,C19:M19))-(SUMIF(C11:M11,E30,C20:M20))","v":0},null,null,null,{"$f":"(SUMIF($C$11:$M$11,I30,$C$26:$M$26)*12)-(SUMIF(C11:M11,I30,C19:M19))-(SUMIF(C11:M11,I30,C20:M20))","v":0},null,null,null,{"$f":"(SUMIF($C$11:$M$11,M30,$C$26:$M$26)*12)-(SUMIF(C11:M11,M30,C19:M19))-(SUMIF(C11:M11,M30,C20:M20))","v":0}]
["HEM",null,null,null,{"$f":"IFERROR(HLOOKUP(E35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,null,null,{"$f":"IFERROR(HLOOKUP(I35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,null,null,{"$f":"IFERROR(HLOOKUP(M35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2}]
["HEM Amount",null,null,null,{"$f":"IFERROR(VLOOKUP(E34,HEM!$B$22:$P$37,Residential!E36,FALSE)*52/12,\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(I34,HEM!$B$22:$P$37,Residential!I36,FALSE)*52/12,\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(M34,HEM!$B$22:$P$37,Residential!M36,FALSE)*52/12,\"\")","v":""}]
["Declared living expenses exculding non HEM",null,null,null,{"$f":"E45+E47+E48+E49+E50+E51+E53+E54+E56+E57+E58+E61","v":0},null,null,null,{"$f":"I45+I47+I48+I49+I50+I51+I53+I54+I56+I57+I58+I61","v":0},null,null,null,{"$f":"M45+M47+M48+M49+M50+M51+M53+M54+M56+M57+M58+M61","v":0}]
[null,null,null,null,{"$f":"IFERROR(E38/E37,\"\")","v":""},null,null,null,{"$f":"IFERROR(I38/I37,\"\")","v":""},null,null,null,{"$f":"IFERROR(M38/M37,\"\")","v":""}]
[0.15,null,{"$f":"IFERROR(((E37)*(1+A40))+E52+E55+E60+E59,0)","v":0},null,{"$f":"IFERROR(E63-E66,0)","v":0},null,{"$f":"IFERROR(((I37)*(1+A40))+I52+I55+I60+I59,0)","v":0},null,{"$f":"IFERROR(I63-I66,0)","v":0},null,{"$f":"IFERROR(((M37)*(1+A40))+M52+M55+M60+M59,0)","v":0},null,{"$f":"IFERROR(M63-M66,0)","v":0}]
[]
[null,null,null,null,"Household 1",null,null,null,"Household 2",null,null,null,"Household 3"]
[null,null,"Dependents",null,0,null,null,null,0,null,null,null,0]
[]
["Primary Residence property utilities, rates & costs",null,null,null,0,null,null,null,0,null,null,null,0]
["Investment property utilities, rates & costs *",null,null,null,0,null,null,null,0,null,null,null,0]
["Groceries",null,null,null,0,null,null,null,0,null,null,null,0]
["Clothing & Personal Care",null,null,null,0,null,null,null,0,null,null,null,0]
["Transport",null,null,null,0,null,null,null,0,null,null,null,0]
["Medical & Health",null,null,null,0,null,null,null,0,null,null,null,0]
["Education (excluding Private School Fees)",null,null,null,0,null,null,null,0,null,null,null,0]
["Education - Private School Fees *",null,null,null,0,null,null,null,0,null,null,null,0]
["Childcare",null,null,null,0,null,null,null,0,null,null,null,0]
["Insurance (excluding Private Health, Life and IP)",null,null,null,0,null,null,null,0,null,null,null,0]
["Private Health, Life and IP Insurance *",null,null,null,0,null,null,null,0,null,null,null,0]
["Telephone, Internet, Pay TV & Media Streaming",null,null,null,0,null,null,null,0,null,null,null,0]
["Recreation & Entertainment",null,null,null,0,null,null,null,0,null,null,null,0]
["Memberships (gym, sporting clubs etc)",null,null,null,0,null,null,null,0,null,null,null,0]
["Non-Compulsory Superannuation *",null,null,null,0,null,null,null,0,null,null,null,0]
["Maintenance *",null,null,null,0,null,null,null,0,null,null,null,0]
["Other Living Expenses",null,null,null,0,null,null,null,0,null,null,null,0]
[]
["Total Monthly Living Expenses Declared (HEM & non-HEM)",null,null,null,{"$f":"SUM(E45:E61)","v":0},null,null,null,{"$f":"SUM(I45:I61)","v":0},null,null,null,{"$f":"SUM(M45:M61)","v":0}]
[null,null,null,null,{"$f":"C127","v":""},null,null,null,{"$f":"E127","v":""},null,null,null,{"$f":"G127","v":""}]
[]
["HEM Living Expense",null,null,null,{"$f":"E37","v":""},null,null,null,{"$f":"I37","v":""},null,null,null,{"$f":"M37","v":""}]
["Monthly Living Expenses Used",null,null,null,{"$f":"MAX(E37:E38)+E46+E52+E55+E60+E59","v":0},null,null,null,{"$f":"MAX(I37:I38)+I46+I52+I55+I60+I59","v":0},null,null,null,{"$f":"MAX(M37:M38)+M46+M52+M55+M60+M59","v":0}]
[]
["Other Commitments"]
[null,null,"Household 1 / Company 1",null,null,null,"Household 2 / Company 2",null,null,null,"Household 3 / Company 3"]
[null,null,"Debt / Limit",null,"Repayment",null,"Debt / Limit",null,"Repayment",null,"Debt / Limit",null,"Repayment"]
["Owner Occupied Property 1",null,0,{"$f":"IFERROR(RATE(360,SUM(E72),SUM(C72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D72+List!$B$13)>=List!$B$16,(PMT((D72+List!$B$13)/12,360,SUM(Residential!C72),0,0)*-1)-SUM(E72),(PMT((List!$B$16)/12,360,SUM(Residential!C72),0,0)*-1)-SUM(E72))","v":0},0,{"$f":"IFERROR(RATE(360,SUM(I72),SUM(G72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((H72+List!$B$13)>=List!$B$16,(PMT((H72+List!$B$13)/12,360,SUM(Residential!G72),0,0)*-1)-SUM(I72),(PMT((List!$B$16)/12,360,SUM(Residential!G72),0,0)*-1)-SUM(I72))","v":0},0,{"$f":"IFERROR(RATE(360,SUM(M72),SUM(K72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((L72+List!$B$13)>=List!$B$16,(PMT((L72+List!$B$13)/12,360,SUM(Residential!K72),0,0)*-1)-SUM(M72),(PMT((List!$B$16)/12,360,SUM(Residential!K72),0,0)*-1)-SUM(M72))","v":0}]
["Owner Occupied Property 2",null,0,{"$f":"IFERROR(RATE(360,SUM(E73),SUM(C73)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D73+List!$B$13)>=List!$B$16,(PMT((D73+List!$B$13)/12,360,SUM(Residential!C73),0,0)*-1)-SUM(E73),(PMT((List!$B$16)/12,360,SUM(Residential!C73),0,0)*-1)-SUM(E73))","v":0},0,0,0,{"$f":"IF((H73+List!$B$13)>=List!$B$16,(PMT((H73+List!$B$13)/12,360,SUM(Residential!G73),0,0)*-1)-SUM(I73),(PMT((List!$B$16)/12,360,SUM(Residential!G73),0,0)*-1)-SUM(I73))","v":0},0,0,0,{"$f":"IF((L73+List!$B$13)>=List!$B$16,(PMT((L73+List!$B$13)/12,360,SUM(Residential!K73),0,0)*-1)-SUM(M73),(PMT((List!$B$16)/12,360,SUM(Residential!K73),0,0)*-1)-SUM(M73))","v":0}]
["Investment Property 1",null,0,0,0,{"$f":"IF((D74+List!$B$13)>=List!$B$16,(PMT((D74+List!$B$13)/12,360,SUM(Residential!C74),0,0)*-1)-SUM(E74),(PMT((List!$B$16)/12,360,SUM(Residential!C74),0,0)*-1)-SUM(E74))","v":0},0,0,0,{"$f":"IF((H74+List!$B$13)>=List!$B$16,(PMT((H74+List!$B$13)/12,360,SUM(Residential!G74),0,0)*-1)-SUM(I74),(PMT((List!$B$16)/12,360,SUM(Residential!G74),0,0)*-1)-SUM(I74))","v":0},0,0,0,{"$f":"IF((L74+List!$B$13)>=List!$B$16,(PMT((L74+List!$B$13)/12,360,SUM(Residential!K74),0,0)*-1)-SUM(M74),(PMT((List!$B$16)/12,360,SUM(Residential!K74),0,0)*-1)-SUM(M74))","v":0}]
["Investment Property 2",null,0,0,0,{"$f":"IF((D75+List!$B$13)>=List!$B$16,(PMT((D75+List!$B$13)/12,360,SUM(Residential!C75),0,0)*-1)-SUM(E75),(PMT((List!$B$16)/12,360,SUM(Residential!C75),0,0)*-1)-SUM(E75))","v":0},0,0,0,{"$f":"IF((H75+List!$B$13)>=List!$B$16,(PMT((H75+List!$B$13)/12,360,SUM(Residential!G75),0,0)*-1)-SUM(I75),(PMT((List!$B$16)/12,360,SUM(Residential!G75),0,0)*-1)-SUM(I75))","v":0},0,0,0,{"$f":"IF((L75+List!$B$13)>=List!$B$16,(PMT((L75+List!$B$13)/12,360,SUM(Residential!K75),0,0)*-1)-SUM(M75),(PMT((List!$B$16)/12,360,SUM(Residential!K75),0,0)*-1)-SUM(M75))","v":0}]
["Investment Property 3",null,0,0,0,{"$f":"IF((D76+List!$B$13)>=List!$B$16,(PMT((D76+List!$B$13)/12,360,SUM(Residential!C76),0,0)*-1)-SUM(E76),(PMT((List!$B$16)/12,360,SUM(Residential!C76),0,0)*-1)-SUM(E76))","v":0},0,0,0,{"$f":"IF((H76+List!$B$13)>=List!$B$16,(PMT((H76+List!$B$13)/12,360,SUM(Residential!G76),0,0)*-1)-SUM(I76),(PMT((List!$B$16)/12,360,SUM(Residential!G76),0,0)*-1)-SUM(I76))","v":0},0,0,0,{"$f":"IF((L76+List!$B$13)>=List!$B$16,(PMT((L76+List!$B$13)/12,360,SUM(Residential!K76),0,0)*-1)-SUM(M76),(PMT((List!$B$16)/12,360,SUM(Residential!K76),0,0)*-1)-SUM(M76))","v":0}]
["Investment Property 4",null,0,0,0,{"$f":"IF((D77+List!$B$13)>=List!$B$16,(PMT((D77+List!$B$13)/12,360,SUM(Residential!C77),0,0)*-1)-SUM(E77),(PMT((List!$B$16)/12,360,SUM(Residential!C77),0,0)*-1)-SUM(E77))","v":0},0,0,0,{"$f":"IF((H77+List!$B$13)>=List!$B$16,(PMT((H77+List!$B$13)/12,360,SUM(Residential!G77),0,0)*-1)-SUM(I77),(PMT((List!$B$16)/12,360,SUM(Residential!G77),0,0)*-1)-SUM(I77))","v":0},0,0,0,{"$f":"IF((L77+List!$B$13)>=List!$B$16,(PMT((L77+List!$B$13)/12,360,SUM(Residential!K77),0,0)*-1)-SUM(M77),(PMT((List!$B$16)/12,360,SUM(Residential!K77),0,0)*-1)-SUM(M77))","v":0}]
["Other Liabilities 1",null,0,null,0,null,0,null,0,null,0,null,0]
["Other Liabilities 2",null,0,null,0,null,0,null,0,null,0,null,0]
["Other Liabilities (Fixed)",null,0,null,0,null,0,null,0,null,0,null,0]
["Credit Card 1",null,0,null,{"$f":"C81*HEM!$C$1","v":0},null,0,null,{"$f":"G81*HEM!$C$1","v":0},null,0,null,{"$f":"K81*HEM!$C$1","v":0}]
["Credit Card 2",null,0,null,{"$f":"C82*HEM!$C$1","v":0},null,0,null,{"$f":"G82*HEM!$C$1","v":0},null,0,null,{"$f":"K82*HEM!$C$1","v":0}]
[null,null,null,null,{"$f":"SUMIF(F72:F77,\">0\",F72:F77)","v":0},null,null,null,{"$f":"SUMIF(J72:J77,\">0\",J72:J77)","v":0},null,null,null,{"$f":"SUMIF(N72:N77,\">0\",N72:N77)","v":0}]
["Rent/Board",null,null,null,0,null,null,null,0,null,null,null,0]
[]
["TOTAL EXISTING COMMITMENTS",null,null,null,{"$f":"SUM(E72:E82)+E84","v":0},null,null,null,{"$f":"SUM(I72:I82)+I84","v":0},null,null,null,{"$f":"SUM(M72:M82)+M84","v":0}]
["TOTAL ASSESSED EXISTING COMMITMENTS",null,null,null,{"$f":"E83+E86","v":0},null,null,null,{"$f":"I83+I86","v":0},null,null,null,{"$f":"M83+M86","v":0}]
[]
["Loan Details"]
["Application #",null,"App# 1",null,"App# 2",null,"App# 3",null,"App# 4",null,"App# 5",null,"App# 6"]
["New Loan Amount",null,0,null,0,null,0,null,0,null,0,null,0]
["Repayment Type",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising"]
["Loan Term (Years)",null,30,null,30,null,30,null,30,null,30,null,30]
["Interest Only Term (Years)",null,0,null,0,null,0,null,0,null,0,null,0]
[]
["Interest Rate",null,0.05,null,0.05,null,0.05,null,0.05,null,0.05,null,0.05]
["Sensitivity",null,{"$f":"MAX(List!B15:B16)-C96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!C15:C16)-E96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!D15:D16)-G96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!E15:E16)-I96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!F15:F16)-K96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!G15:G16)-M96","v":2.0000000000000004E-2}]
["Assessment Rate",null,{"$f":"C96+C97","v":7.0000000000000007E-2},null,{"$f":"E96+E97","v":7.0000000000000007E-2},null,{"$f":"G96+G97","v":7.0000000000000007E-2},null,{"$f":"I96+I97","v":7.0000000000000007E-2},null,{"$f":"K96+K97","v":7.0000000000000007E-2},null,{"$f":"M96+M97","v":7.0000000000000007E-2}]
[]
["Monthly Loan Repayment",null,{"$f":"IFERROR(IF(C92=\"Amortising\",-PMT(C96/12,(C93-C94)*12,C91,0,0),C91*C96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(E92=\"Amortising\",-PMT(E96/12,(E93-E94)*12,E91,0,0),E91*E96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(G92=\"Amortising\",-PMT(G96/12,(G93-G94)*12,G91,0,0),G91*G96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(I92=\"Amortising\",-PMT(I96/12,(I93-I94)*12,I91,0,0),I91*I96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(K92=\"Amortising\",-PMT(K96/12,(K93-K94)*12,K91,0,0),K91*K96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(M92=\"Amortising\",-PMT(M96/12,(M93-M94)*12,M91,0,0),M91*M96/12),\"\")","v":0}]
["Monthly Assessed Repayment",null,{"$f":"IFERROR(IF(C92=\"Amortising\",-PMT(C98/12,(C93-C94)*12,C91,0,0),C91*C98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(E92=\"Amortising\",-PMT(E98/12,(E93-E94)*12,E91,0,0),E91*E98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(G92=\"Amortising\",-PMT(G98/12,(G93-G94)*12,G91,0,0),G91*G98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(I92=\"Amortising\",-PMT(I98/12,(I93-I94)*12,I91,0,0),I91*I98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(K92=\"Amortising\",-PMT(K98/12,(K93-K94)*12,K91,0,0),K91*K98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(M92=\"Amortising\",-PMT(M98/12,(M93-M94)*12,M91,0,0),M91*M98/12),\"\")","v":0}]
[]
["Results"]
[]
[null,null,"Monthly"]
["Net Income",null,{"$f":"SUM(C27:M27)","v":0},null,"Net Surplus Income:",null,{"$f":"IFERROR(C106-C107-C108-C109,\"\")","v":0},null,{"$f":"IFERROR(IF(G106>0,IF(G107>1,\"PASS\",\"FAIL\"),\"FAIL\"),\"\")","v":"FAIL"}]
["Living Expenses",null,{"$f":"E67+I67+M67","v":0},null,"Debt Service Ratio:",null,{"$f":"IFERROR(C106/SUM(C107:C109),\"\")","v":""}]
["Existing Commitments",null,{"$f":"E87+I87+M87","v":0},null,"Debt To Income:",null,{"$f":"IFERROR((SUM(C72:C82)+SUM(G72:G82)+SUM(K72:K82)+C91+E91+G91+I91+K91+M91)/(SUM(C25:M25)*12),\"\")","v":""}]
["Proposed Repayments",null,{"$f":"C101+E101+G101+I101+K101+M101","v":0},null,"Maximum Loan*:",null,{"$f":"IFERROR(IF(C92=\"Amortising\",FLOOR(-PV((C98)/12,(C93-C94)*12,(C106-C107-C108),0,0),100),\"N/A\"),\"\")","v":0},null,{"$f":"K131","v":""}]
[null,null,null,null,{"$f":"\"* based on \"&C90&\" details\"","v":"* based on App# 1 details"}]
[]
[]
[{"$f":"Menu!A21","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]
[]
[]
[]
["Count",null,{"$f":"COUNTIF($C$11:$M$11,C11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,I11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,K11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,M11)","v":0}]
[]
["Individual (Single)",null,{"$f":"IF(C10=\"Individual (Single)\",IF(C117=1,\"\",IF(C117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(E10=\"Individual (Single)\",IF(E117=1,\"\",IF(E117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(G10=\"Individual (Single)\",IF(G117=1,\"\",IF(G117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(I10=\"Individual (Single)\",IF(I117=1,\"\",IF(I117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(K10=\"Individual (Single)\",IF(K117=1,\"\",IF(K117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(M10=\"Individual (Single)\",IF(M117=1,\"\",IF(M117>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false}]
["Individual (Couple)",null,{"$f":"IF(C10=\"Individual (Couple)\",IF(C117=1,\"\",IF(C117=2,\"\",IF(C117>2,\"Only 1 Household per Couple Applicant\",IF(C117<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(E10=\"Individual (Couple)\",IF(E117=1,\"\",IF(E117=2,\"\",IF(E117>2,\"Only 1 Household per Couple Applicant\",IF(E117<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(G10=\"Individual (Couple)\",IF(G117=1,\"\",IF(G117=2,\"\",IF(G117>2,\"Only 1 Household per Couple Applicant\",IF(G117<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(I10=\"Individual (Couple)\",IF(I117=1,\"\",IF(I117=2,\"\",IF(I117>2,\"Only 1 Household per Couple Applicant\",IF(I117<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(K10=\"Individual (Couple)\",IF(K117=1,\"\",IF(K117=2,\"\",IF(K117>2,\"Only 1 Household per Couple Applicant\",IF(K117<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(M10=\"Individual (Couple)\",IF(M117=1,\"\",IF(M117=2,\"\",IF(M117>2,\"Only 1 Household per Couple Applicant\",IF(M117<1,\"Applicant needs to be assigned a Household\",)))))","v":false}]
["n/a",null,{"$f":"IF(C10=\"n/a\",IF(C117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(E10=\"n/a\",IF(E117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(G10=\"n/a\",IF(G117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(I10=\"n/a\",IF(I117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(K10=\"n/a\",IF(K117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(M10=\"n/a\",IF(M117>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""}]
["Company",null,{"$f":"IF(C10=\"Company\",IF(C117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(E10=\"Company\",IF(E117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(G10=\"Company\",IF(G117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(I10=\"Company\",IF(I117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(K10=\"Company\",IF(K117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(M10=\"Company\",IF(M117>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false}]
["Error Message",null,{"$f":"IFERROR(VLOOKUP(C10,$A$119:$M$122,3,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(E10,$A$119:$M$122,5,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(G10,$A$119:$M$122,7,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(I10,$A$119:$M$122,9,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(K10,$A$119:$M$122,11,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(M10,$A$119:$M$122,13,FALSE),\"\")","v":""}]
[]
["Household",null,1,null,2,null,3]
["Household Count",null,{"$f":"COUNTIF($C$11:$M$11,C125)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E125)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G125)","v":0}]
["Expense Error",null,{"$f":"IF(C126=0,IF(E38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(E38<E37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(E126=0,IF(I38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(I38<I37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(G126=0,IF(M38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(M38<M37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""}]
["Bank Statements",null,{"$f":"C40+G40+K40","v":0}]
["Bank Statements",null,{"$f":"IFERROR(C106-C128-C108-C109,\"\")","v":0}]
[]
["Error Message",null,{"$f":"IF(C129<0,\"Where borrower/s are individuals, 3 months banks statements / transaction statements required to support loan application\",\"\")","v":""},null,null,null,null,null,null,null,{"$f":"C131","v":""}]

{"sheet":"Commercial","index":6,"n_rows":130,"n_cols":11,"rows_kept":130,"cut":false,"hidden":true,"merged":[[110,0,110,12],[4,2,4,4],[68,2,68,4],[68,6,68,8],[68,10,68,11],[84,0,84,2],[85,0,85,2],[40,0,40,2],[29,0,29,10],[104,8,105,8],[106,8,108,11],[6,0,6,12],[67,0,67,12],[87,0,87,12],[101,0,101,12],[2,0,2,5],[2,8,2,10],[0,2,1,6],[109,0,109,12],[39,0,39,12]]}
[]
[]
[" Commercial Serviceability Calculator",null,null,null,null,null,null,null,{"$f":"Menu!A6","v":"Version 1.19 (1 April 2024)"}]
[]
["Application Name:",null,null,null,null,null,"Application #:"]
[]
["Income Details"]
[]
["Applicant Details:",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5"]
["Status",null,"n/a",null,"n/a",null,"n/a",null,"n/a",null,"n/a"]
["Household"]
[null,null,{"$f":"C120","v":""},null,{"$f":"E120","v":""},null,{"$f":"G120","v":""},null,{"$f":"I120","v":""},null,{"$f":"K120","v":""}]
["Individual"]
["HECS/HELP Debt",null,"No",null,"No",null,"No",null,"No",null,"No"]
["Gross Annual Income",null,0,0,0,0,0,0,0,0,0]
["Annual Non-Taxable Income",null,0,0,0,0,0,0,0,0,0]
[]
["Annual Gross Rental Income",null,0,0,0,0,0,0,0,0,0]
["Investment Property Interest Expense (Negative Gearing)",null,0,0,0,0,0,0,0,0,0]
["Investment property utilities, rates & costs",null,0,0,0,0,0,0,0,0,0]
["Company"]
["Company NPBT",null,0,0,0,0,0,0,0,0,0]
["Addbacks - Interest Paid",null,0,0,0,0,0,0,0,0,0]
["Addbacks - Other",null,0,0,0,0,0,0,0,0,0]
["Annual Gross Rental Income (not included in NPBT)",null,0,0,0,0,0,0,0,0,0]
[]
["Total Income (Monthly)",null,{"$f":"((C15+C16)/12)+((C22+C23+C24)/12)+(C18/12*'Tax Tables (C)'!D1)+(C25/12*'Tax Tables (C)'!D1)","v":0},null,{"$f":"((E15+E16)/12)+((E22+E23+E24)/12)+(E18/12*'Tax Tables'!$D$1)+(E25/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((G15+G16)/12)+((G22+G23+G24)/12)+(G18/12*'Tax Tables'!$D$1)+(G25/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((I15+I16)/12)+((I22+I23+I24)/12)+(I18/12*'Tax Tables'!$D$1)+(I25/12*'Tax Tables'!$D$1)","v":0},null,{"$f":"((K15+K16)/12)+((K22+K23+K24)/12)+(K18/12*'Tax Tables'!$D$1)+(K25/12*'Tax Tables'!$D$1)","v":0}]
["Total Net Income (Monthly)",null,{"$f":"IF(C10=\"Company\",C27-('Tax Tables (C)'!H42/12),IF(C14=\"No\",C27-('Tax Tables (C)'!H42/12)-((C22+(C25*'Tax Tables (C)'!$D$1)+C23+C24)*'Tax Tables (C)'!$D$2/12)-((C20)/12),C27-('Tax Tables (C)'!H65/12)-((C22+(C25*'Tax Tables (C)'!$D$1)+C23+C24)*'Tax Tables (C)'!$D$2/12)-((C20)/12)))","v":0},null,{"$f":"IF(E10=\"Company\",E27-('Tax Tables (C)'!J42/12),IF(E14=\"No\",E27-('Tax Tables (C)'!J42/12)-((E22+(E25*'Tax Tables (C)'!$D$1)+E23+E24)*'Tax Tables (C)'!$D$2/12)-((E20)/12),E27-('Tax Tables (C)'!J65/12)-((E22+(E25*'Tax Tables (C)'!$D$1)+E23+E24)*'Tax Tables (C)'!$D$2/12)-((E20)/12)))","v":0},null,{"$f":"IF(G10=\"Company\",G27-('Tax Tables (C)'!L42/12),IF(G14=\"No\",G27-('Tax Tables (C)'!L42/12)-((G22+(G25*'Tax Tables (C)'!$D$1)+G23+G24)*'Tax Tables (C)'!$D$2/12)-((G20)/12),G27-('Tax Tables (C)'!L65/12)-((G22+(G25*'Tax Tables (C)'!$D$1)+G23+G24)*'Tax Tables (C)'!$D$2/12)-((G20)/12)))","v":0},null,{"$f":"IF(I10=\"Company\",I27-('Tax Tables (C)'!N42/12),IF(I14=\"No\",I27-('Tax Tables (C)'!N42/12)-((I22+(I25*'Tax Tables (C)'!$D$1)+I23+I24)*'Tax Tables (C)'!$D$2/12)-((I20)/12),I27-('Tax Tables (C)'!N65/12)-((I22+(I25*'Tax Tables (C)'!$D$1)+I23+I24)*'Tax Tables (C)'!$D$2/12)-((I20)/12)))","v":0},null,{"$f":"IF(K10=\"Company\",K27-('Tax Tables (C)'!P42/12),IF(K14=\"No\",K27-('Tax Tables (C)'!P42/12)-((K22+(K25*'Tax Tables (C)'!$D$1)+K23+K24)*'Tax Tables (C)'!$D$2/12)-((K20)/12),K27-('Tax Tables (C)'!P65/12)-((K22+(K25*'Tax Tables (C)'!$D$1)+K23+K24)*'Tax Tables (C)'!$D$2/12)-((K20)/12)))","v":0}]
[]
["Living Expenses (Per Month) - All living expenses must be completed. Where an amount is $0, further explanation is required"]
["Household",null,1,null,2,null,3]
["Household Status",null,{"$f":"IF(C31=$C$11,$C$10,IF(C31=$E$11,$E$10,IF(C31=$G$11,$G$10,IF(C31=$I$11,$I$10,IF(C31=$K$11,$K$10,IF(C31=#REF!,#REF!,\"\"))))))","v":{"$error":"#REF!"}},null,{"$f":"IF(E31=$C$11,$C$10,IF(E31=$E$11,$E$10,IF(E31=$G$11,$G$10,IF(E31=$I$11,$I$10,IF(E31=$K$11,$K$10,IF(E31=#REF!,#REF!,\"\"))))))","v":{"$error":"#REF!"}},null,{"$f":"IF(G31=$C$11,$C$10,IF(G31=$E$11,$E$10,IF(G31=$G$11,$G$10,IF(G31=$I$11,$I$10,IF(G31=$K$11,$K$10,IF(G31=#REF!,#REF!,\"\"))))))","v":{"$error":"#REF!"}}]
["Status ID",null,{"$f":"IFERROR(VLOOKUP(C32,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(E32,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(G32,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,"Household 1",null,{"$f":"IFERROR(C63-C65,0)","v":0}]
["Dependents",null,{"$f":"C43","v":0},null,{"$f":"G43","v":0},null,{"$f":"K43","v":0},null,"Household 2",null,{"$f":"IFERROR(G63-G65,0)","v":0}]
["HEMID",null,{"$f":"C33&C34","v":"0"},null,{"$f":"E33&E34","v":"0"},null,{"$f":"G33&G34","v":"0"},null,"Household 3",null,{"$f":"IFERROR(K63-K65,0)","v":0}]
["HouseholdIncome",null,{"$f":"(SUMIF($C$11:$L$11,C31,$C$27:$L$27)*12)-SUMIF($C$11:$L$11,C31,$C$19:$L$19)-SUMIF($C$11:$L$11,C31,$C$20:$L$20)","v":0},null,{"$f":"(SUMIF($C$11:$L$11,E31,$C$27:$L$27)*12)-SUMIF($C$11:$L$11,E31,$C$19:$L$19)-SUMIF($C$11:$L$11,E31,$C$20:$L$20)","v":0},null,{"$f":"(SUMIF($C$11:$L$11,G31,$C$27:$L$27)*12)-SUMIF($C$11:$L$11,G31,$C$19:$L$19)-SUMIF($C$11:$L$11,G31,$C$20:$L$20)","v":0}]
["HEM",null,{"$f":"IFERROR(HLOOKUP(C36,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,{"$f":"IFERROR(HLOOKUP(E36,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,{"$f":"IFERROR(HLOOKUP(G36,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2}]
["HEM Amount",{"$f":"IFERROR((C38*1.15)+C52+C55+C60+C59,0)","v":0},{"$f":"IFERROR(VLOOKUP(C35,HEM!$B$22:$P$37,Commercial!C37,FALSE)*52/12,\"\")","v":""},{"$f":"IFERROR((E38*1.15)+G52+G55+G59+G60,0)","v":0},{"$f":"IFERROR(VLOOKUP(E35,HEM!$B$22:$P$37,Commercial!E37,FALSE)*52/12,\"\")","v":""},{"$f":"IFERROR((G38*1.15)+K52+K55+K59+K60,0)","v":0},{"$f":"IFERROR(VLOOKUP(G35,HEM!$B$22:$P$37,Commercial!G37,FALSE)*52/12,\"\")","v":""}]
["Declared living expenses exculding non HEM",null,{"$f":"C45+C47+C48+C49+C50+C51+C53+C54+C56+C57+C58+C61","v":0},null,{"$f":"G45+G47+G48+G49+G50+G51+G53+G54+G56+G57+G58+G61","v":0},null,{"$f":"K45+K47+K48+K49+K50+K51+K53+K54+K56+K57+K58+K61","v":0}]
["Living Expenses (Per Month) - Only where individual income is required to support servicing",null,{"$f":"IFERROR(C39/C38,\"\")","v":""},null,{"$f":"IFERROR(E39/E38,\"\")","v":""},null,{"$f":"IFERROR(G39/G38,\"\")","v":""}]
[]
[null,null,"Household 1",null,null,null,"Household 2",null,null,null,"Household 3"]
["Dependents",null,0,null,null,null,0,null,null,null,0]
[]
["Primary Residence property utilities, rates & costs",null,0,null,null,null,0,null,null,null,0]
["Investment property utilities, rates & costs *",null,0,null,null,null,0,null,null,null,0]
["Groceries",null,0,null,null,null,0,null,null,null,0]
["Clothing & Personal Care",null,0,null,null,null,0,null,null,null,0]
["Transport",null,0,null,null,null,0,null,null,null,0]
["Medical & Health",null,0,null,null,null,0,null,null,null,0]
["Education (excluding Private School Fees)",null,0,null,null,null,0,null,null,null,0]
["Education - Private School Fees *",null,0,null,null,null,0,null,null,null,0]
["Childcare",null,0,null,null,null,0,null,null,null,0]
["Insurance (excluding Private Health, Life and IP)",null,0,null,null,null,0,null,null,null,0]
["Private Health, Life and IP Insurance *",null,0,null,null,null,0,null,null,null,0]
["Telephone, Internet, Pay TV & Media Streaming",null,0,null,null,null,0,null,null,null,0]
["Recreation & Entertainment",null,0,null,null,null,0,null,null,null,0]
["Memberships (gym, sporting clubs etc)",null,0,null,null,null,0,null,null,null,0]
["Non-Compulsory Superannuation *",null,0,null,null,null,0,null,null,null,0]
["Maintenance *",null,0,null,null,null,0,null,null,null,0]
["Other Living Expenses",null,0,null,null,null,0,null,null,null,0]
[]
["Total Monthly Living Expenses Declared (HEM & non-HEM)",null,{"$f":"SUM(C45:C61)","v":0},null,null,null,{"$f":"SUM(G45:G61)","v":0},null,null,null,{"$f":"SUM(K45:K61)","v":0}]
[null,null,{"$f":"C124","v":""},null,null,null,{"$f":"E124","v":""},null,null,null,{"$f":"G124","v":""}]
["HEM Living Expense",null,{"$f":"C38","v":""},null,null,null,{"$f":"E38","v":""},null,null,null,{"$f":"G38","v":""}]
["Monthly Living Expenses Used",null,{"$f":"MAX(C38:C39)+C46+C52+C55+C60+C59","v":0},null,null,null,{"$f":"MAX(E38:E39)+G46+G52+G55+G60+G59","v":0},null,null,null,{"$f":"MAX(G38:G39)+K46+K52+K55+K60+K59","v":0}]
[]
["Other Commitments"]
[]
[null,null,"Debt / Limit",null,"Monthly Repayment",null,"Interest Rate"]
["Owner Occupied Property 1",null,0,{"$f":"IFERROR(RATE(360,SUM(E71),SUM(C71)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D71+List!$B$13)>=List!$B$16,(PMT((D71+List!$B$13)/12,360,SUM(C71),0,0)*-1)-SUM(E71),(PMT((List!$B$16)/12,360,SUM(C71),0,0)*-1)-SUM(E71))","v":0},0]
["Owner Occupied Property 2",null,0,0,0,{"$f":"IF((D72+List!$B$13)>=List!$B$16,(PMT((D72+List!$B$13)/12,360,SUM(C72),0,0)*-1)-SUM(E72),(PMT((List!$B$16)/12,360,SUM(C72),0,0)*-1)-SUM(E72))","v":0},0]
["Investment Property 1",null,0,0,0,{"$f":"IF((D73+List!$B$13)>=List!$B$16,(PMT((D73+List!$B$13)/12,360,SUM(C73),0,0)*-1)-SUM(E73),(PMT((List!$B$16)/12,360,SUM(C73),0,0)*-1)-SUM(E73))","v":0},0]
["Investment Property 2",null,0,0,0,{"$f":"IF((D74+List!$B$13)>=List!$B$16,(PMT((D74+List!$B$13)/12,360,SUM(C74),0,0)*-1)-SUM(E74),(PMT((List!$B$16)/12,360,SUM(C74),0,0)*-1)-SUM(E74))","v":0},0]
["Investment Property 3",null,0,0,0,{"$f":"IF((D75+List!$B$13)>=List!$B$16,(PMT((D75+List!$B$13)/12,360,SUM(C75),0,0)*-1)-SUM(E75),(PMT((List!$B$16)/12,360,SUM(C75),0,0)*-1)-SUM(E75))","v":0},0]
["Investment Property 4",null,0,0,0,{"$f":"IF((D76+List!$B$13)>=List!$B$16,(PMT((D76+List!$B$13)/12,360,SUM(C76),0,0)*-1)-SUM(E76),(PMT((List!$B$16)/12,360,SUM(C76),0,0)*-1)-SUM(E76))","v":0},0]
["Other Liabilities 1",null,0,null,0,null,0]
["Other Liabilities 2",null,0,null,0,null,0]
["Other Liabilities (Fixed)",null,0,null,0,null,0]
["Credit Card 1",null,0,null,{"$f":"C80*HEM!$C$1","v":0}]
["Credit Card 2",null,0,null,{"$f":"C81*HEM!$C$1","v":0}]
[null,null,null,null,{"$f":"SUMIF(F71:F76,\">0\",F71:F76)","v":0}]
["Rent/Board",null,null,null,0]
[]
["TOTAL EXISTING COMMITMENTS",null,null,null,{"$f":"SUM(E71:E81)+E83","v":0}]
["TOTAL ASSESSED EXISTING COMMITMENTS",null,null,null,{"$f":"E82+E85","v":0}]
[]
["Loan Details"]
[null,null,"App #1",null,"App #2",null,"App #3",null,"App #4",null,"App #5"]
["New Loan Amount",null,0,null,0,null,0,null,0,null,0]
["Repayment Type",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising"]
["Loan Term (Years)",null,30,null,30,null,30,null,30,null,30]
["Interest Only Term (Years)",null,0,null,0,null,0,null,0,null,0]
[]
["Interest Rate",null,0.05,null,0.05,null,0.05,null,0.05,null,0.05]
["Sensitivity",null,{"$f":"MAX(List!J15:J16)-C95","v":2.0000000000000004E-2},null,{"$f":"MAX(List!K15:K16)-E95","v":2.0000000000000004E-2},null,{"$f":"MAX(List!L15:L16)-G95","v":2.0000000000000004E-2},null,{"$f":"MAX(List!M15:M16)-I95","v":2.0000000000000004E-2},null,{"$f":"MAX(List!N15:N16)-K95","v":2.0000000000000004E-2}]
["Assessment Rate",null,{"$f":"C95+C96","v":7.0000000000000007E-2},null,{"$f":"E95+E96","v":7.0000000000000007E-2},null,{"$f":"G95+G96","v":7.0000000000000007E-2},null,{"$f":"I95+I96","v":7.0000000000000007E-2},null,{"$f":"K95+K96","v":7.0000000000000007E-2}]
[]
["Monthly Loan Repayment",null,{"$f":"IF(C91=\"Amortising\",-PMT(C95/12,(C92-C93)*12,C90,0,0),C90*C95/12)","v":0},null,{"$f":"IF(E91=\"Amortising\",-PMT(E95/12,(E92-E93)*12,E90,0,0),E90*E95/12)","v":0},null,{"$f":"IF(G91=\"Amortising\",-PMT(G95/12,(G92-G93)*12,G90,0,0),G90*G95/12)","v":0},null,{"$f":"IF(I91=\"Amortising\",-PMT(I95/12,(I92-I93)*12,I90,0,0),I90*I95/12)","v":0},null,{"$f":"IF(K91=\"Amortising\",-PMT(K95/12,(K92-K93)*12,K90,0,0),K90*K95/12)","v":0}]
["Monthly Assessed Repayment",null,{"$f":"IF(C91=\"Amortising\",-PMT(C97/12,(C92-C93)*12,C90,0,0),C90*C97/12)","v":0},null,{"$f":"IF(E91=\"Amortising\",-PMT(E97/12,(E92-E93)*12,E90,0,0),E90*E97/12)","v":0},null,{"$f":"IF(G91=\"Amortising\",-PMT(G97/12,(G92-G93)*12,G90,0,0),G90*G97/12)","v":0},null,{"$f":"IF(I91=\"Amortising\",-PMT(I97/12,(I92-I93)*12,I90,0,0),I90*I97/12)","v":0},null,{"$f":"IF(K91=\"Amortising\",-PMT(K97/12,(K92-K93)*12,K90,0,0),K90*K97/12)","v":0}]
[]
["Results"]
[]
[null,null,"Monthly"]
["Total Income",null,{"$f":"SUM(C28:L28)","v":0},null,"NSI:",null,{"$f":"C105-C106-C107-C108","v":0},null,{"$f":"IF(G105>0,IF(G107>1.24999,\"PASS\",\"FAIL\"),\"FAIL\")","v":"FAIL"}]
["Living Expenses",null,{"$f":"C66+G66+K66","v":0},null,"Debt Service Ratio:",null,{"$f":"C105/SUM(C106:C108)","v":{"$error":"#DIV/0!"}}]
["Existing Commitments",null,{"$f":"E86","v":0},null,"ICR:",null,{"$f":"IFERROR(((C105-C106)*12)/((C71*G71)+(C72*G72)+(C73*G73)+(C74*G74)+(C75*G75)+(C76*G76)+(C77*G77)+(C78*G78)+(C79*G79)+(C90*C95)+(E90*E95)+(G90*G95)+(I90*I95)+(K90*K95)),\"\")","v":""},null,{"$f":"K130","v":""}]
["Proposed Repayments",null,{"$f":"C100+E100+G100+I100+K100","v":0}]
[]
[]
[{"$f":"Menu!A21","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]
[]
[]
["Count",null,{"$f":"COUNTIF($C$11:$M$11,C11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,I11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,K11)","v":0}]
[]
["Individual (Single)",null,{"$f":"IF(C10=\"Individual (Single)\",IF(C114=1,\"\",IF(C114>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(E10=\"Individual (Single)\",IF(E114=1,\"\",IF(E114>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(G10=\"Individual (Single)\",IF(G114=1,\"\",IF(G114>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(I10=\"Individual (Single)\",IF(I114=1,\"\",IF(I114>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(K10=\"Individual (Single)\",IF(K114=1,\"\",IF(K114>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false}]
["Individual (Couple)",null,{"$f":"IF(C10=\"Individual (Couple)\",IF(C114=1,\"\",IF(C114=2,\"\",IF(C114>2,\"Only 1 Household per Couple Applicant\",IF(C114<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(E10=\"Individual (Couple)\",IF(E114=1,\"\",IF(E114=2,\"\",IF(E114>2,\"Only 1 Household per Couple Applicant\",IF(E114<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(G10=\"Individual (Couple)\",IF(G114=1,\"\",IF(G114=2,\"\",IF(G114>2,\"Only 1 Household per Couple Applicant\",IF(G114<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(I10=\"Individual (Couple)\",IF(I114=1,\"\",IF(I114=2,\"\",IF(I114>2,\"Only 1 Household per Couple Applicant\",IF(I114<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(K10=\"Individual (Couple)\",IF(K114=1,\"\",IF(K114=2,\"\",IF(K114>2,\"Only 1 Household per Couple Applicant\",IF(K114<1,\"Applicant needs to be assigned a Household\",)))))","v":false}]
["n/a",null,{"$f":"IF(C10=\"n/a\",IF(C114>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(E10=\"n/a\",IF(E114>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(G10=\"n/a\",IF(G114>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(I10=\"n/a\",IF(I114>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(K10=\"n/a\",IF(K114>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""}]
["Company",null,{"$f":"IF(C10=\"Company\",IF(C114>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(E10=\"Company\",IF(E114>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(G10=\"Company\",IF(G114>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(I10=\"Company\",IF(I114>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(K10=\"Company\",IF(K114>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false}]
["Error Message",null,{"$f":"IFERROR(VLOOKUP(C10,$A$116:$M$119,3,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(E10,$A$116:$M$119,5,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(G10,$A$116:$M$119,7,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(I10,$A$116:$M$119,9,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(K10,$A$116:$M$119,11,FALSE),\"\")","v":""}]
[]
["Household",null,1,null,2,null,3]
["Household Count",null,{"$f":"COUNTIF($C$11:$M$11,C122)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E122)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G122)","v":0}]
["Expense Error",null,{"$f":"IF(C123=0,IF(C39>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(C39<C38,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(E123=0,IF(E39>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(E39<E38,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(G123=0,IF(G39>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(G39<G38,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""}]
[]
[]
["Bank Statements",null,{"$f":"B38+D38+F38","v":0}]
["Bank Statements",null,{"$f":"C105-C127-C107-C108","v":0},null,{"$f":"IFERROR(AND(G107<1.1,G107>1,E40<1.1),\"\")","v":false},null,{"$f":"IFERROR(AND(G107<1.1,G107>1,G40<1.1),\"\")","v":false}]
[]
["Error Message",null,{"$f":"IF(C128<0,\"Where borrower/s are individuals, 3 months banks statements / transaction statements required to support loan application\",\"\")","v":""},null,null,null,null,null,null,null,{"$f":"C130","v":""}]

{"sheet":"SMSF","index":7,"n_rows":62,"n_cols":13,"rows_kept":62,"cut":false,"hidden":true,"merged":[[4,2,4,10],[53,0,53,13],[2,0,2,4],[0,1,1,6],[2,6,2,12],[31,0,31,2],[7,0,7,13],[30,0,30,13],[36,0,36,13],[61,0,62,13],[48,12,48,13],[45,12,45,13],[41,0,41,2],[42,0,42,2],[46,12,46,13],[58,6,59,6],[44,0,44,13]]}
[]
[]
[" SMSF Serviceability Calculator",null,null,null,null,null,{"$f":"Menu!A6","v":"Version 1.19 (1 April 2024)"}]
[]
["Application Name:"]
["Application #:"]
[]
["Income Details"]
[]
["Applicant Details:",null,"Member 1",null,"Member 2",null,"Member 3",null,"Member 4",null,"Member 5",null,"Member 6"]
[]
["Gross Annual Income",null,0,null,0,null,0,null,0,null,0,null,0]
["Compulsory Superannuation Contributions",null,0,null,0,null,0,null,0,null,0,null,0]
["Superannuation Contributions (%)",null,{"$f":"IFERROR(C13/C12,\"\")","v":""},null,{"$f":"IFERROR(E13/E12,\"\")","v":""},null,{"$f":"IFERROR(G13/G12,\"\")","v":""},null,{"$f":"IFERROR(I13/I12,\"\")","v":""},null,{"$f":"IFERROR(K13/K12,\"\")","v":""},null,{"$f":"IFERROR(M13/M12,\"\")","v":""}]
["Current Salary Sacrifice Contributions",null,0,null,0,null,0,null,0,null,0,null,0]
["Current Non-Concessional Contibutions",null,0,null,0,null,0,null,0,null,0,null,0]
["Future Salary Sacrifice Contributions",null,{"$f":"'Residential SMSF'!C113","v":0},null,{"$f":"'Residential SMSF'!E113","v":0},null,{"$f":"'Residential SMSF'!G113","v":0},null,{"$f":"'Residential SMSF'!I113","v":0},null,{"$f":"'Residential SMSF'!K113","v":0},null,{"$f":"'Residential SMSF'!M113","v":0}]
[null,null,{"$f":"'SMSF Tax Tables'!G21","v":""},null,{"$f":"'SMSF Tax Tables'!I21","v":""},null,{"$f":"'SMSF Tax Tables'!K21","v":""},null,{"$f":"'SMSF Tax Tables'!M21","v":""},null,{"$f":"'SMSF Tax Tables'!O21","v":""},null,{"$f":"'SMSF Tax Tables'!Q21","v":""}]
[]
["SMSF Details:"]
[]
["Annual Gross Rental Income (Security)",null,0,null,"Interest Expense",null,{"$f":"C47*G47","v":0}]
["Annual Gross Rental Income (Other)",null,0,null,"Interest Expense",null,{"$f":"(C39*G39)+(C40*G40)","v":0}]
[]
["Other SMSF Assets",null,0,null,"Investment Returns",null,{"$f":"(C25*'Tax Tables'!$D$3)","v":0}]
[]
["Total Income",null,{"$f":"SUM(C13:M13)+SUM(C15:M17)+(C22*'SMSF Tax Tables'!D1)+(C23*'SMSF Tax Tables'!D1)+SMSF!G25","v":0}]
["Less Tax",null,{"$f":"'SMSF Tax Tables'!S36","v":0}]
["Net Income",null,{"$f":"C27-C28","v":0}]
[]
["SMSF Ongoing Expenses (Annual)"]
[]
["Total Ongoing SMSF Expenses Declared",null,0]
["Minimum SMSF Ongoing Expenses",null,2500]
["SMSF Ongoing Expenses Used",null,{"$f":"MAX(C33:C34)","v":2500}]
[]
["Other Commitments"]
[null,null,"Debt / Limit",null,"Monthly Repayment",null,"Interest Rate"]
["Investment Property 1",null,0,{"$f":"IFERROR(RATE(360,SUM(E39),SUM(C39)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D39+List!$B$13)>=List!$B$16,(PMT((D39+List!$B$13)/12,360,SUM(C39),0,0)*-1)-SUM(E39),(PMT((List!$B$16)/12,360,SUM(C39),0,0)*-1)-SUM(E39))","v":0},0]
["Investment Property 2",null,0,{"$f":"IFERROR(RATE(360,SUM(E40),SUM(C40)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D40+List!$B$13)>=List!$B$16,(PMT((D40+List!$B$13)/12,360,SUM(C40),0,0)*-1)-SUM(E40),(PMT((List!$B$16)/12,360,SUM(C40),0,0)*-1)-SUM(E40))","v":0},0]
[null,null,{"$f":"IFERROR(RATE(360,SUM(E39:E40),SUM(C39:C40)*-1,0,0,0.1)*12,0)","v":0},null,{"$f":"SUM(F39:F40)","v":0}]
["TOTAL EXISTING COMMITMENTS",null,null,null,{"$f":"SUM(E39:E40)","v":0}]
["TOTAL ASSESSED EXISTING COMMITMENTS",null,null,null,{"$f":"E42+E41","v":0}]
[]
["Loan Details"]
[]
["New Loan Amount",null,0,null,"Interest Rate",5,0.05]
["Repayment Type",null,"Amortising",null,"Sensitivity",null,{"$f":"MAX(List!O15:O16)-G47","v":2.0000000000000004E-2}]
["Loan Term",null,30,null,"Assessment Rate",5,{"$f":"G47+G48","v":7.0000000000000007E-2}]
["Interest Only Term",null,0]
[null,null,null,null,"Monthly Loan Repayment",null,{"$f":"IFERROR(IF(C48=\"Amortising\",-PMT(G47/12,(C49-C50)*12,C47,0,0),C47*G47/12),\"\")","v":0}]
[null,null,null,null,"Monthly Assessed Repayment",null,{"$f":"IFERROR(IF(C48=\"Amortising\",-PMT(G49/12,(C49-C50)*12,C47,0,0),C47*G49/12),\"\")","v":0}]
[]
["Results"]
[]
[null,null,"Monthly"]
["Net Income",null,{"$f":"C29/12","v":0},null,"NSI:",null,{"$f":"IFERROR(C57-C58-C59-C60,\"\")","v":-208.33333333333334}]
["SMSF Ongoing Expenses",null,{"$f":"C35/12","v":208.33333333333334},null,"ICR:",null,{"$f":"IFERROR((C29-C35)/(G22+G23),\"\")","v":""}]
["Existing Commitments",null,{"$f":"E43","v":0},null,null,null,{"$f":"IF(G57>0,IF(G58>1.24999999,\"PASS\",\"FAIL\"),\"FAIL\")","v":"FAIL"}]
["Proposed Repayments",null,{"$f":"G52","v":0}]
[]
[{"$f":"Menu!A21","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]

{"sheet":"Residential SMSF","index":8,"n_rows":137,"n_cols":14,"rows_kept":137,"cut":false,"hidden":true,"merged":[[28,0,28,13],[0,2,1,10],[2,0,2,8],[2,10,2,12],[4,2,4,6],[6,0,6,13],[54,0,54,2],[40,0,40,2],[44,0,44,2],[45,0,45,2],[46,0,46,2],[47,0,47,2],[48,0,48,2],[49,0,49,2],[50,0,50,2],[51,0,51,2],[52,0,52,2],[53,0,53,2],[69,10,69,12],[55,0,55,2],[56,0,56,2],[57,0,57,2],[58,0,58,2],[59,0,59,2],[60,0,60,2],[62,0,62,2],[65,0,65,2],[66,0,66,2],[69,2,69,4],[69,6,69,8],[115,2,115,12],[85,0,85,2],[86,0,86,2],[105,12,106,12],[118,0,119,13],[111,0,112,0],[105,8,106,8],[105,4,106,4]]}
[]
[]
["SMSF Residential Serviceability Calculator",null,null,null,null,null,null,null,null,null,{"$f":"Menu!A6","v":"Version 1.19 (1 April 2024)"}]
[]
["Application Name:",null,null,null,null,null,null,null,"Application #:"]
[]
["Income Details"]
[]
["Applicant Details:",null,"Member 1",null,"Member 2",null,"Member 3",null,"Member 4",null,"Member 5",null,"Member 6"]
["Status",null,"n/a",null,"n/a",null,"n/a",null,"n/a",null,"n/a",null,"n/a"]
["Household"]
[null,null,{"$f":"C129","v":""},null,{"$f":"E129","v":""},null,{"$f":"G129","v":""},null,{"$f":"I129","v":""},null,{"$f":"K129","v":""},null,{"$f":"M129","v":""}]
["Individual"]
["HECS/HELP Debt",null,"No",null,"No",null,"No",null,"No",null,"No",null,"No"]
["Gross Annual Income",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Non-Taxable Income",null,0,null,0,null,0,null,0,null,0,null,0]
[]
["Annual Gross Rental Income",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Investment Property Interest (Negative Gearing)",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Investment property utilities, rates & costs",null,0,null,0,null,0,null,0,null,0,null,0]
["Company"]
["NPBT",null,0,null,0,null,0,null,0,null,0,null,0]
["Addbacks",null,0,null,0,null,0,null,0,null,0,null,0]
["Annual Gross Rental Income (not included in NPBT)",null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,{"$f":"((C15+C16)/12)+((C22+C23+(C24))/12)+(C18/12)","v":0},null,{"$f":"((E15+E16)/12)+((E22+E23+(E24))/12)+(E18/12)","v":0},null,{"$f":"((G15+G16)/12)+((G22+G23+(G24))/12)+(G18/12)","v":0},null,{"$f":"((I15+I16)/12)+((I22+I23+(I24))/12)+(I18/12)","v":0},null,{"$f":"((K15+K16)/12)+((K22+K23+(K24))/12)+(K18/12)","v":0},null,{"$f":"((M15+M16)/12)+((M22+M23+(M24))/12)+(M18/12)","v":0}]
["Total Income (Monthly)",null,{"$f":"((C15+C16)/12)+((C22+C23+(C24*'Resi SMSF Tax Tables'!$D$1))/12)+(C18/12*'Resi SMSF Tax Tables'!$D$1)","v":0},null,{"$f":"((E15+E16)/12)+((E22+E23+(E24*'Resi SMSF Tax Tables'!$D$1))/12)+(E18/12*'Resi SMSF Tax Tables'!$D$1)","v":0},null,{"$f":"((G15+G16)/12)+((G22+G23+(G24*'Resi SMSF Tax Tables'!$D$1))/12)+(G18/12*'Resi SMSF Tax Tables'!$D$1)","v":0},null,{"$f":"((I15+I16)/12)+((I22+I23+(I24*'Resi SMSF Tax Tables'!$D$1))/12)+(I18/12*'Resi SMSF Tax Tables'!$D$1)","v":0},null,{"$f":"((K15+K16)/12)+((K22+K23+(K24*'Resi SMSF Tax Tables'!$D$1))/12)+(K18/12*'Resi SMSF Tax Tables'!$D$1)","v":0},null,{"$f":"((M15+M16)/12)+((M22+M23+(M24*'Resi SMSF Tax Tables'!$D$1))/12)+(M18/12*'Resi SMSF Tax Tables'!$D$1)","v":0}]
["Net Income (Monthly)",null,{"$f":"IF(C10=\"Company\",C26-('Resi SMSF Tax Tables'!H$42/12)-((C20)/12),IF(C14=\"No\",C26-('Resi SMSF Tax Tables'!H$42/12)-((C22+(C24*'Resi SMSF Tax Tables'!$D$1)+C23)*'Resi SMSF Tax Tables'!$D$2/12)-((C20)/12),C26-('Resi SMSF Tax Tables'!H$65/12)-((C22+(C24*'Resi SMSF Tax Tables'!$D$1)+C23)*'Resi SMSF Tax Tables'!$D$2/12)-((C20)/12)))","v":0},null,{"$f":"IF(E10=\"Company\",E26-('Resi SMSF Tax Tables'!J$42/12)-((E20)/12),IF(E14=\"No\",E26-('Resi SMSF Tax Tables'!J$42/12)-((E22+(E24*'Resi SMSF Tax Tables'!$D$1)+E23)*'Resi SMSF Tax Tables'!$D$2/12)-((E20)/12),E26-('Resi SMSF Tax Tables'!J$65/12)-((E22+(E24*'Resi SMSF Tax Tables'!$D$1)+E23)*'Resi SMSF Tax Tables'!$D$2/12)-((E20)/12)))","v":0},null,{"$f":"IF(G10=\"Company\",G26-('Resi SMSF Tax Tables'!L$42/12)-((G20)/12),IF(G14=\"No\",G26-('Resi SMSF Tax Tables'!L$42/12)-((G22+(G24*'Resi SMSF Tax Tables'!$D$1)+G23)*'Resi SMSF Tax Tables'!$D$2/12)-((G20)/12),G26-('Resi SMSF Tax Tables'!L$65/12)-((G22+(G24*'Resi SMSF Tax Tables'!$D$1)+G23)*'Resi SMSF Tax Tables'!$D$2/12)-((G20)/12)))","v":0},null,{"$f":"IF(I10=\"Company\",I26-('Resi SMSF Tax Tables'!N$42/12)-((I20)/12),IF(I14=\"No\",I26-('Resi SMSF Tax Tables'!N$42/12)-((I22+(I24*'Resi SMSF Tax Tables'!$D$1)+I23)*'Resi SMSF Tax Tables'!$D$2/12)-((I20)/12),I26-('Resi SMSF Tax Tables'!N$65/12)-((I22+(I24*'Resi SMSF Tax Tables'!$D$1)+I23)*'Resi SMSF Tax Tables'!$D$2/12)-((I20)/12)))","v":0},null,{"$f":"IF(K10=\"Company\",K26-('Resi SMSF Tax Tables'!P$42/12)-((K20)/12),IF(K14=\"No\",K26-('Resi SMSF Tax Tables'!P$42/12)-((K22+(K24*'Resi SMSF Tax Tables'!$D$1)+K23)*'Resi SMSF Tax Tables'!$D$2/12)-((K20)/12),K26-('Resi SMSF Tax Tables'!P$65/12)-((K22+(K24*'Resi SMSF Tax Tables'!$D$1)+K23)*'Resi SMSF Tax Tables'!$D$2/12)-((K20)/12)))","v":0},null,{"$f":"IF(M10=\"Company\",M26-('Resi SMSF Tax Tables'!R$42/12)-((M20)/12),IF(M14=\"No\",M26-('Resi SMSF Tax Tables'!R$42/12)-((M22+(M24*'Resi SMSF Tax Tables'!$D$1)+M23)*'Resi SMSF Tax Tables'!$D$2/12)-((M20)/12),M26-('Resi SMSF Tax Tables'!R$65/12)-((M22+(M24*'Resi SMSF Tax Tables'!$D$1)+M23)*'Resi SMSF Tax Tables'!$D$2/12)-((M20)/12)))","v":0}]
[]
["Living Expenses (Per Month) - All living expenses must be completed. Where an amount is $0, further explanation is required"]
["Household",null,null,null,1,null,null,null,2,null,null,null,3]
["Household Status",null,null,null,{"$f":"IF(E30=$C$11,$C$10,IF(E30=$E$11,$E$10,IF(E30=$G$11,$G$10,IF(E30=$I$11,$I$10,IF(E30=$K$11,$K$10,IF(E30=$M$11,$M$10,\"\"))))))","v":""},null,null,null,{"$f":"IF(I30=$C$11,$C$10,IF(I30=$E$11,$E$10,IF(I30=$G$11,$G$10,IF(I30=$I$11,$I$10,IF(I30=$K$11,$K$10,IF(I30=$M$11,$M$10,\"\"))))))","v":""},null,null,null,{"$f":"IF(M30=$C$11,$C$10,IF(M30=$E$11,$E$10,IF(M30=$G$11,$G$10,IF(M30=$I$11,$I$10,IF(M30=$K$11,$K$10,IF(M30=$M$11,$M$10,\"\"))))))","v":""}]
["Status ID",null,null,null,{"$f":"IFERROR(VLOOKUP(E31,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(I31,List!$B$1:$C$5,2,FALSE),\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(M31,List!$B$1:$C$5,2,FALSE),\"\")","v":""}]
["Dependents",null,null,null,{"$f":"E43","v":0},null,null,null,{"$f":"I43","v":0},null,null,null,{"$f":"M43","v":0}]
["HEMID",null,null,null,{"$f":"E32&E33","v":"0"},null,null,null,{"$f":"I32&I33","v":"0"},null,null,null,{"$f":"M32&M33","v":"0"}]
["HouseholdIncome",null,null,null,{"$f":"(SUMIF($C$11:$M$11,E30,$C$26:$M$26)*12)-(SUMIF(C11:M11,E30,C19:M19))-(SUMIF(C11:M11,E30,C20:M20))","v":0},null,null,null,{"$f":"(SUMIF($C$11:$M$11,I30,$C$26:$M$26)*12)-(SUMIF(C11:M11,I30,C19:M19))-(SUMIF(C11:M11,I30,C20:M20))","v":0},null,null,null,{"$f":"(SUMIF($C$11:$M$11,M30,$C$26:$M$26)*12)-(SUMIF(C11:M11,M30,C19:M19))-(SUMIF(C11:M11,M30,C20:M20))","v":0}]
["HEM",null,null,null,{"$f":"IFERROR(HLOOKUP(E35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,null,null,{"$f":"IFERROR(HLOOKUP(I35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2},null,null,null,{"$f":"IFERROR(HLOOKUP(M35,HEM!$B$20:$P$21,2,TRUE)+1,\"\")","v":2}]
["HEM Amount",null,null,null,{"$f":"IFERROR(VLOOKUP(E34,HEM!$B$22:$P$37,'Residential SMSF'!E36,FALSE)*52/12,\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(I34,HEM!$B$22:$P$37,'Residential SMSF'!I36,FALSE)*52/12,\"\")","v":""},null,null,null,{"$f":"IFERROR(VLOOKUP(M34,HEM!$B$22:$P$37,'Residential SMSF'!M36,FALSE)*52/12,\"\")","v":""}]
["Declared living expenses exculding non HEM",null,null,null,{"$f":"E45+E47+E48+E49+E50+E51+E53+E54+E56+E57+E58+E61","v":0},null,null,null,{"$f":"I45+I47+I48+I49+I50+I51+I53+I54+I56+I57+I58+I61","v":0},null,null,null,{"$f":"M45+M47+M48+M49+M50+M51+M53+M54+M56+M57+M58+M61","v":0}]
[null,null,null,null,{"$f":"IFERROR(E38/E37,\"\")","v":""},null,null,null,{"$f":"IFERROR(I38/I37,\"\")","v":""},null,null,null,{"$f":"IFERROR(M38/M37,\"\")","v":""}]
[0.15,null,{"$f":"IFERROR(((E37)*(1+A40))+E52+E55+E60+E59,0)","v":0},null,{"$f":"IFERROR(E63-E66,0)","v":0},null,{"$f":"IFERROR(((I37)*(1+A40))+I52+I55+I60+I59,0)","v":0},null,{"$f":"IFERROR(I63-I66,0)","v":0},null,{"$f":"IFERROR(((M37)*(1+A40))+M52+M55+M60+M59,0)","v":0},null,{"$f":"IFERROR(M63-M66,0)","v":0}]
[]
[null,null,null,null,"Household 1",null,null,null,"Household 2",null,null,null,"Household 3"]
[null,null,"Dependents",null,0,null,null,null,0,null,null,null,0]
[]
["Primary Residence property utilities, rates & costs",null,null,null,0,null,null,null,0,null,null,null,0]
["Investment property utilities, rates & costs *",null,null,null,0,null,null,null,0,null,null,null,0]
["Groceries",null,null,null,0,null,null,null,0,null,null,null,0]
["Clothing & Personal Care",null,null,null,0,null,null,null,0,null,null,null,0]
["Transport",null,null,null,0,null,null,null,0,null,null,null,0]
["Medical & Health",null,null,null,0,null,null,null,0,null,null,null,0]
["Education (excluding Private School Fees)",null,null,null,0,null,null,null,0,null,null,null,0]
["Education - Private School Fees *",null,null,null,0,null,null,null,0,null,null,null,0]
["Childcare",null,null,null,0,null,null,null,0,null,null,null,0]
["Insurance (excluding Private Health, Life and IP)",null,null,null,0,null,null,null,0,null,null,null,0]
["Private Health, Life and IP Insurance *",null,null,null,0,null,null,null,0,null,null,null,0]
["Telephone, Internet, Pay TV & Media Streaming",null,null,null,0,null,null,null,0,null,null,null,0]
["Recreation & Entertainment",null,null,null,0,null,null,null,0,null,null,null,0]
["Memberships (gym, sporting clubs etc)",null,null,null,0,null,null,null,0,null,null,null,0]
["Non-Compulsory Superannuation *",null,null,null,0,null,null,null,0,null,null,null,0]
["Maintenance *",null,null,null,0,null,null,null,0,null,null,null,0]
["Other Living Expenses",null,null,null,0,null,null,null,0,null,null,null,0]
[]
["Total Monthly Living Expenses Declared (HEM & non-HEM)",null,null,null,{"$f":"SUM(E45:E61)","v":0},null,null,null,{"$f":"SUM(I45:I61)","v":0},null,null,null,{"$f":"SUM(M45:M61)","v":0}]
[null,null,null,null,{"$f":"C133","v":""},null,null,null,{"$f":"E133","v":""},null,null,null,{"$f":"G133","v":""}]
[]
["HEM Living Expense",null,null,null,{"$f":"E37","v":""},null,null,null,{"$f":"I37","v":""},null,null,null,{"$f":"M37","v":""}]
["Monthly Living Expenses Used",null,null,null,{"$f":"MAX(E37:E38)+E46+E52+E55+E60+E59","v":0},null,null,null,{"$f":"MAX(I37:I38)+I46+I52+I55+I60+I59","v":0},null,null,null,{"$f":"MAX(M37:M38)+M46+M52+M55+M60+M59","v":0}]
[]
["Other Commitments"]
[null,null,"Household 1 / Company 1",null,null,null,"Household 2 / Company 2",null,null,null,"Household 3 / Company 3"]
[null,null,"Debt / Limit",null,"Repayment",null,"Debt / Limit",null,"Repayment",null,"Debt / Limit",null,"Repayment"]
["Owner Occupied Property 1",null,0,{"$f":"IFERROR(RATE(360,SUM(E72),SUM(C72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((D72+List!$B$13)>=List!$B$16,(PMT((D72+List!$B$13)/12,360,SUM('Residential SMSF'!C72),0,0)*-1)-SUM(E72),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C72),0,0)*-1)-SUM(E72))","v":0},0,{"$f":"IFERROR(RATE(360,SUM(I72),SUM(G72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((H72+List!$B$13)>=List!$B$16,(PMT((H72+List!$B$13)/12,360,SUM('Residential SMSF'!G72),0,0)*-1)-SUM(I72),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G72),0,0)*-1)-SUM(I72))","v":0},0,{"$f":"IFERROR(RATE(360,SUM(M72),SUM(K72)*-1,0,0,0.1)*12,0)","v":0},0,{"$f":"IF((L72+List!$B$13)>=List!$B$16,(PMT((L72+List!$B$13)/12,360,SUM('Residential SMSF'!K72),0,0)*-1)-SUM(M72),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K72),0,0)*-1)-SUM(M72))","v":0}]
["Owner Occupied Property 2",null,0,0,0,{"$f":"IF((D73+List!$B$13)>=List!$B$16,(PMT((D73+List!$B$13)/12,360,SUM('Residential SMSF'!C73),0,0)*-1)-SUM(E73),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C73),0,0)*-1)-SUM(E73))","v":0},0,0,0,{"$f":"IF((H73+List!$B$13)>=List!$B$16,(PMT((H73+List!$B$13)/12,360,SUM('Residential SMSF'!G73),0,0)*-1)-SUM(I73),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G73),0,0)*-1)-SUM(I73))","v":0},0,0,0,{"$f":"IF((L73+List!$B$13)>=List!$B$16,(PMT((L73+List!$B$13)/12,360,SUM('Residential SMSF'!K73),0,0)*-1)-SUM(M73),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K73),0,0)*-1)-SUM(M73))","v":0}]
["Investment Property 1",null,0,0,0,{"$f":"IF((D74+List!$B$13)>=List!$B$16,(PMT((D74+List!$B$13)/12,360,SUM('Residential SMSF'!C74),0,0)*-1)-SUM(E74),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C74),0,0)*-1)-SUM(E74))","v":0},0,0,0,{"$f":"IF((H74+List!$B$13)>=List!$B$16,(PMT((H74+List!$B$13)/12,360,SUM('Residential SMSF'!G74),0,0)*-1)-SUM(I74),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G74),0,0)*-1)-SUM(I74))","v":0},0,0,0,{"$f":"IF((L74+List!$B$13)>=List!$B$16,(PMT((L74+List!$B$13)/12,360,SUM('Residential SMSF'!K74),0,0)*-1)-SUM(M74),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K74),0,0)*-1)-SUM(M74))","v":0}]
["Investment Property 2",null,0,0,0,{"$f":"IF((D75+List!$B$13)>=List!$B$16,(PMT((D75+List!$B$13)/12,360,SUM('Residential SMSF'!C75),0,0)*-1)-SUM(E75),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C75),0,0)*-1)-SUM(E75))","v":0},0,0,0,{"$f":"IF((H75+List!$B$13)>=List!$B$16,(PMT((H75+List!$B$13)/12,360,SUM('Residential SMSF'!G75),0,0)*-1)-SUM(I75),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G75),0,0)*-1)-SUM(I75))","v":0},0,0,0,{"$f":"IF((L75+List!$B$13)>=List!$B$16,(PMT((L75+List!$B$13)/12,360,SUM('Residential SMSF'!K75),0,0)*-1)-SUM(M75),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K75),0,0)*-1)-SUM(M75))","v":0}]
["Investment Property 3",null,0,0,0,{"$f":"IF((D76+List!$B$13)>=List!$B$16,(PMT((D76+List!$B$13)/12,360,SUM('Residential SMSF'!C76),0,0)*-1)-SUM(E76),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C76),0,0)*-1)-SUM(E76))","v":0},0,0,0,{"$f":"IF((H76+List!$B$13)>=List!$B$16,(PMT((H76+List!$B$13)/12,360,SUM('Residential SMSF'!G76),0,0)*-1)-SUM(I76),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G76),0,0)*-1)-SUM(I76))","v":0},0,0,0,{"$f":"IF((L76+List!$B$13)>=List!$B$16,(PMT((L76+List!$B$13)/12,360,SUM('Residential SMSF'!K76),0,0)*-1)-SUM(M76),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K76),0,0)*-1)-SUM(M76))","v":0}]
["Investment Property 4",null,0,0,0,{"$f":"IF((D77+List!$B$13)>=List!$B$16,(PMT((D77+List!$B$13)/12,360,SUM('Residential SMSF'!C77),0,0)*-1)-SUM(E77),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!C77),0,0)*-1)-SUM(E77))","v":0},0,0,0,{"$f":"IF((H77+List!$B$13)>=List!$B$16,(PMT((H77+List!$B$13)/12,360,SUM('Residential SMSF'!G77),0,0)*-1)-SUM(I77),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!G77),0,0)*-1)-SUM(I77))","v":0},0,0,0,{"$f":"IF((L77+List!$B$13)>=List!$B$16,(PMT((L77+List!$B$13)/12,360,SUM('Residential SMSF'!K77),0,0)*-1)-SUM(M77),(PMT((List!$B$16)/12,360,SUM('Residential SMSF'!K77),0,0)*-1)-SUM(M77))","v":0}]
["Other Liabilities 1",null,0,null,0,null,0,null,0,null,0,null,0]
["Other Liabilities 2",null,0,null,0,null,0,null,0,null,0,null,0]
["Other Liabilities (Fixed)",null,0,null,0,null,0,null,0,null,0,null,0]
["Credit Card 1",null,0,null,{"$f":"C81*HEM!$C$1","v":0},null,0,null,{"$f":"G81*HEM!$C$1","v":0},null,0,null,{"$f":"K81*HEM!$C$1","v":0}]
["Credit Card 2",null,0,null,{"$f":"C82*HEM!$C$1","v":0},null,0,null,{"$f":"G82*HEM!$C$1","v":0},null,0,null,{"$f":"K82*HEM!$C$1","v":0}]
[null,null,null,null,{"$f":"SUMIF(F72:F77,\">0\",F72:F77)","v":0},null,null,null,{"$f":"SUMIF(J72:J77,\">0\",J72:J77)","v":0},null,null,null,{"$f":"SUMIF(N72:N77,\">0\",N72:N77)","v":0}]
["Rent/Board",null,null,null,0,null,null,null,0,null,null,null,0]
[]
["TOTAL EXISTING COMMITMENTS",null,null,null,{"$f":"SUM(E72:E82)+E84","v":0},null,null,null,{"$f":"SUM(I72:I82)+I84","v":0},null,null,null,{"$f":"SUM(M72:M82)+M84","v":0}]
["TOTAL ASSESSED EXISTING COMMITMENTS",null,null,null,{"$f":"E83+E86","v":0},null,null,null,{"$f":"I83+I86","v":0},null,null,null,{"$f":"M83+M86","v":0}]
[]
["Loan Details"]
["Application #",null,"App# 1",null,"App# 2",null,"App# 3",null,"App# 4",null,"App# 5",null,"App# 6"]
["New Loan Amount",null,0,null,0,null,0,null,0,null,0,null,0]
["Repayment Type",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising",null,"Amortising"]
["Loan Term (Years)",null,30,null,30,null,30,null,30,null,30,null,30]
["Interest Only Term (Years)",null,0,null,0,null,0,null,0,null,0,null,0]
[]
["Interest Rate",null,0.05,null,0.05,null,0.05,null,0.05,null,0.05,null,0.05]
["Sensitivity",null,{"$f":"MAX(List!B15:B16)-C96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!C15:C16)-E96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!D15:D16)-G96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!E15:E16)-I96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!F15:F16)-K96","v":2.0000000000000004E-2},null,{"$f":"MAX(List!G15:G16)-M96","v":2.0000000000000004E-2}]
["Assessment Rate",null,{"$f":"C96+C97","v":7.0000000000000007E-2},null,{"$f":"E96+E97","v":7.0000000000000007E-2},null,{"$f":"G96+G97","v":7.0000000000000007E-2},null,{"$f":"I96+I97","v":7.0000000000000007E-2},null,{"$f":"K96+K97","v":7.0000000000000007E-2},null,{"$f":"M96+M97","v":7.0000000000000007E-2}]
[]
["Monthly Loan Repayment",null,{"$f":"IFERROR(IF(C92=\"Amortising\",-PMT(C96/12,(C93-C94)*12,C91,0,0),C91*C96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(E92=\"Amortising\",-PMT(E96/12,(E93-E94)*12,E91,0,0),E91*E96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(G92=\"Amortising\",-PMT(G96/12,(G93-G94)*12,G91,0,0),G91*G96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(I92=\"Amortising\",-PMT(I96/12,(I93-I94)*12,I91,0,0),I91*I96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(K92=\"Amortising\",-PMT(K96/12,(K93-K94)*12,K91,0,0),K91*K96/12),\"\")","v":0},null,{"$f":"IFERROR(IF(M92=\"Amortising\",-PMT(M96/12,(M93-M94)*12,M91,0,0),M91*M96/12),\"\")","v":0}]
["Monthly Assessed Repayment",null,{"$f":"IFERROR(IF(C92=\"Amortising\",-PMT(C98/12,(C93-C94)*12,C91,0,0),C91*C98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(E92=\"Amortising\",-PMT(E98/12,(E93-E94)*12,E91,0,0),E91*E98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(G92=\"Amortising\",-PMT(G98/12,(G93-G94)*12,G91,0,0),G91*G98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(I92=\"Amortising\",-PMT(I98/12,(I93-I94)*12,I91,0,0),I91*I98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(K92=\"Amortising\",-PMT(K98/12,(K93-K94)*12,K91,0,0),K91*K98/12),\"\")","v":0},null,{"$f":"IFERROR(IF(M92=\"Amortising\",-PMT(M98/12,(M93-M94)*12,M91,0,0),M91*M98/12),\"\")","v":0}]
[]
["Results"]
[]
[null,null,"Household / Company 1",null,null,null,"Household / Company 2",null,null,null,"Household / Company 3"]
["Annual Net Income",null,{"$f":"SUMIF($C$11:$M$11,1,$C$27:$M$27)*12","v":0},null,{"$f":"IFERROR(IF(C110>=0,\"PASS\",\"FAIL\"),\"\")","v":"PASS"},null,{"$f":"SUMIF($C$11:$M$11,2,$C$27:$M$27)*12","v":0},null,{"$f":"IFERROR(IF(G110>=0,\"PASS\",\"FAIL\"),\"\")","v":"PASS"},null,{"$f":"SUMIF($C$11:$M$11,3,$C$27:$M$27)*12","v":0},null,{"$f":"IFERROR(IF(K110>=0,\"PASS\",\"FAIL\"),\"\")","v":"PASS"}]
["Annual Living Expenses",null,{"$f":"E67*12","v":0},null,null,null,{"$f":"I67*12","v":0},null,null,null,{"$f":"M67*12","v":0}]
["Annual Existing Commitments",null,{"$f":"E87*12","v":0},null,null,null,{"$f":"I87*12","v":0},null,null,null,{"$f":"M87*12","v":0}]
["Annual Proposed Repayments",null,{"$f":"(C101+E101+G101+I101+K101+M101)*12","v":0},null,null,null,{"$f":"(E101+G101+I101+K101+M101+O101)*12","v":0},null,null,null,{"$f":"(G101+I101+K101+M101+O101+Q101)*12","v":0}]
["Annual Net Surplus Income:",null,{"$f":"IFERROR(C106-C107-C108-C109,\"\")","v":0},null,null,null,{"$f":"IFERROR(G106-G107-G108-G109,\"\")","v":0},null,null,null,{"$f":"IFERROR(K106-K107-K108-K109,\"\")","v":0}]
[]
["Proposed Future Additional Annual Contributions",null,"Member 1",null,"Member 2",null,"Member 3",null,"Member 4",null,"Member 5",null,"Member 6"]
[null,null,0,null,0,null,0,null,0,null,0,null,0]
["Household",null,{"$f":"SUMIF($C$11:$M$11,1,$C$113:$M$113)","v":0},null,null,null,{"$f":"SUMIF($C$11:$M$11,2,$C$113:$M$113)","v":0},null,null,null,{"$f":"SUMIF($C$11:$M$11,3,$C$113:$M$113)","v":0}]
[null,null,{"$f":"IF(C114>C110,\"Surplus income allocation > Household 1 NSI\",\"\")","v":""},null,null,null,{"$f":"IF(G114>G110,\"Surplus income allocation > Household 2 NSI\",\"\")","v":""},null,null,null,{"$f":"IF(K114>K110,\"Surplus income allocation > Household 3 NSI\",\"\")","v":""}]
[null,null,{"$f":"K137","v":""}]
[]
[]
[{"$f":"Menu!A21","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]
[]
[]
[]
["Count",null,{"$f":"COUNTIF($C$11:$M$11,C11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,I11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,K11)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,M11)","v":0}]
[]
["Individual (Single)",null,{"$f":"IF(C10=\"Individual (Single)\",IF(C123=1,\"\",IF(C123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(E10=\"Individual (Single)\",IF(E123=1,\"\",IF(E123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(G10=\"Individual (Single)\",IF(G123=1,\"\",IF(G123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(I10=\"Individual (Single)\",IF(I123=1,\"\",IF(I123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(K10=\"Individual (Single)\",IF(K123=1,\"\",IF(K123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false},null,{"$f":"IF(M10=\"Individual (Single)\",IF(M123=1,\"\",IF(M123>1,\"Only 1 Household per Single Applicant\",\"Applicant needs to be assigned a Household\")))","v":false}]
["Individual (Couple)",null,{"$f":"IF(C10=\"Individual (Couple)\",IF(C123=1,\"\",IF(C123=2,\"\",IF(C123>2,\"Only 1 Household per Couple Applicant\",IF(C123<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(E10=\"Individual (Couple)\",IF(E123=1,\"\",IF(E123=2,\"\",IF(E123>2,\"Only 1 Household per Couple Applicant\",IF(E123<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(G10=\"Individual (Couple)\",IF(G123=1,\"\",IF(G123=2,\"\",IF(G123>2,\"Only 1 Household per Couple Applicant\",IF(G123<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(I10=\"Individual (Couple)\",IF(I123=1,\"\",IF(I123=2,\"\",IF(I123>2,\"Only 1 Household per Couple Applicant\",IF(I123<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(K10=\"Individual (Couple)\",IF(K123=1,\"\",IF(K123=2,\"\",IF(K123>2,\"Only 1 Household per Couple Applicant\",IF(K123<1,\"Applicant needs to be assigned a Household\",)))))","v":false},null,{"$f":"IF(M10=\"Individual (Couple)\",IF(M123=1,\"\",IF(M123=2,\"\",IF(M123>2,\"Only 1 Household per Couple Applicant\",IF(M123<1,\"Applicant needs to be assigned a Household\",)))))","v":false}]
["n/a",null,{"$f":"IF(C10=\"n/a\",IF(C123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(E10=\"n/a\",IF(E123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(G10=\"n/a\",IF(G123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(I10=\"n/a\",IF(I123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(K10=\"n/a\",IF(K123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""},null,{"$f":"IF(M10=\"n/a\",IF(M123>0,\"Household should only be applied where an applicant exists\",\"\"))","v":""}]
["Company",null,{"$f":"IF(C10=\"Company\",IF(C123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(E10=\"Company\",IF(E123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(G10=\"Company\",IF(G123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(I10=\"Company\",IF(I123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(K10=\"Company\",IF(K123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false},null,{"$f":"IF(M10=\"Company\",IF(M123>0,\"Household should not be applied to a Company Applicant\",\"\"))","v":false}]
["Error Message",null,{"$f":"IFERROR(VLOOKUP(C10,$A$125:$M$128,3,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(E10,$A$125:$M$128,5,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(G10,$A$125:$M$128,7,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(I10,$A$125:$M$128,9,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(K10,$A$125:$M$128,11,FALSE),\"\")","v":""},null,{"$f":"IFERROR(VLOOKUP(M10,$A$125:$M$128,13,FALSE),\"\")","v":""}]
[]
["Household",null,1,null,2,null,3]
["Household Count",null,{"$f":"COUNTIF($C$11:$M$11,C131)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,E131)","v":0},null,{"$f":"COUNTIF($C$11:$M$11,G131)","v":0}]
["Expense Error",null,{"$f":"IF(C132=0,IF(E38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(E38<E37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(E132=0,IF(I38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(I38<I37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""},null,{"$f":"IF(G132=0,IF(M38>0,\"Household 1 has not been assigned to an applicant\",\"\"),IF(M38<M37,\"Monthly living expenses are less than benchmark, detailed explanation required\",\"\"))","v":""}]
["Bank Statements",null,{"$f":"C40+G40+K40","v":0}]
["Bank Statements",null,{"$f":"IFERROR(C106-C134-C108-C109,\"\")","v":0}]
[]
["Error Message",null,{"$f":"IF(C135<0,\"Where borrower/s are individuals, 3 months banks statements / transaction statements required to support loan application\",\"\")","v":""},null,null,null,null,null,null,null,{"$f":"C137","v":""}]

{"sheet":"LeaseDoc","index":9,"n_rows":26,"n_cols":7,"rows_kept":26,"cut":false,"hidden":true,"merged":[[0,0,1,4],[25,0,25,8],[4,2,4,4],[22,6,23,6],[2,4,2,6],[2,0,2,3]]}
[]
[]
[" Lease Doc Serviceability Calculator",null,null,null,{"$f":"Menu!A6","v":"Version 1.19 (1 April 2024)"}]
[]
["Application Name:"]
["Applicant #:"]
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["Loan Details"]
[]
["Monthly Net Rental Income (Security)",null,0,null,"Annual Net Rental Income",null,{"$f":"C10*12","v":0}]
[]
["New Loan Amount",null,0,null,"Interest Rate",5,0.05]
["Repayment Type",null,"Amortising"]
["Loan Term",null,30]
["Interest Only Term",null,0,null,"Monthly Loan Repayment",null,{"$f":"IF(C13=\"Amortising\",-PMT(G12/12,(C14-C15)*12,C12,0,0),C12*G12/12)","v":0}]
[]
[]
[]
["Results"]
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[null,null,"Monthly"]
["Net Income",null,{"$f":"C10","v":0},null,"Interest Cover Ratio",null,{"$f":"IFERROR(ROUNDUP(C22/C23,2),\"\")","v":""}]
["Loan Repayment",null,{"$f":"G15","v":0},null,"Maximum Loan:",null,{"$f":"IF(G22>=1.4,\"PASS\",IF(G22>=1.25,\"FAIL\",\"FAIL\"))","v":"PASS"}]
[]
[]
[{"$f":"Menu!A21","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]

{"sheet":"Tax Tables","index":10,"n_rows":92,"n_cols":19,"rows_kept":92,"cut":false,"hidden":true,"merged":[[5,16,5,17],[5,6,5,7],[5,8,5,9],[5,10,5,11],[5,12,5,13],[5,14,5,15]]}
["Rental Income Allowable %",null,null,0.8]
["Company Tax Rate %",null,null,0.27500000000000002]
["SMSF Investment Returns",null,null,0.03]
["SMSF Contributions Tax",null,null,0.15]
["LeaseDoc ICR",null,null,1.5]
["Individual Tax Calculator",null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6"]
["Rental Income Gearing / (Negative Gearing)",null,null,null,null,null,{"$f":"(Residential!C18*$D$1)-(Residential!C19)-(Residential!C20)","v":0},null,{"$f":"(Residential!E18*$D$1)-(Residential!E19)-(Residential!E20)","v":0},null,{"$f":"(Residential!G18*$D$1)-(Residential!G19)-(Residential!G20)","v":0},null,{"$f":"(Residential!I18*$D$1)-(Residential!I19)-(Residential!I20)","v":0},null,{"$f":"(Residential!K18*$D$1)-(Residential!K19)-(Residential!K29)","v":0},null,{"$f":"(Residential!M18*$D$1)-(Residential!M19)-(Residential!M20)","v":0}]
[]
["Gross Annual Income",null,null,null,null,null,{"$f":"Residential!C15","v":0},null,{"$f":"Residential!E15","v":0},null,{"$f":"Residential!G15","v":0},null,{"$f":"Residential!I15","v":0},null,{"$f":"Residential!K15","v":0},null,{"$f":"Residential!M15","v":0}]
[]
["Gross Taxable Income",null,null,null,"Tax Rate",null,{"$f":"G7+G9","v":0},null,{"$f":"I7+I9","v":0},null,{"$f":"K7+K9","v":0},null,{"$f":"M7+M9","v":0},null,{"$f":"O7+O9","v":0},null,{"$f":"Q7+Q9","v":0}]
[null,0,18200,null,0,null,{"$f":"IF(G11>$C$12,$C$12,G11)","v":0},{"$f":"$E$12*G12","v":0},{"$f":"IF(I11>$C$12,$C$12,I11)","v":0},{"$f":"$E$12*I12","v":0},{"$f":"IF(K11>$C$12,$C$12,K11)","v":0},{"$f":"$E$12*K12","v":0},{"$f":"IF(M11>$C$12,$C$12,M11)","v":0},{"$f":"$E$12*M12","v":0},{"$f":"IF(O11>$C$12,$C$12,O11)","v":0},{"$f":"$E$12*O12","v":0},{"$f":"IF(Q11>$C$12,$C$12,Q11)","v":0},{"$f":"$E$12*Q12","v":0}]
[null,18201,45000,null,0.19,null,{"$f":"IF(G12=$C$12,IF(G$11>$C$13,$C$13-$C$12,G$11-$C$12),0)","v":0},{"$f":"$E$13*G13","v":0},{"$f":"IF(I12=$C$12,IF(I$11>$C$13,$C$13-$C$12,I$11-$C$12),0)","v":0},{"$f":"$E$13*I13","v":0},{"$f":"IF(K12=$C$12,IF(K$11>$C$13,$C$13-$C$12,K$11-$C$12),0)","v":0},{"$f":"$E$13*K13","v":0},{"$f":"IF(M12=$C$12,IF(M$11>$C$13,$C$13-$C$12,M$11-$C$12),0)","v":0},{"$f":"$E$13*M13","v":0},{"$f":"IF(O12=$C$12,IF(O$11>$C$13,$C$13-$C$12,O$11-$C$12),0)","v":0},{"$f":"$E$13*O13","v":0},{"$f":"IF(Q12=$C$12,IF(Q$11>$C$13,$C$13-$C$12,Q$11-$C$12),0)","v":0},{"$f":"$E$13*Q13","v":0}]
[null,45001,120000,null,0.32500000000000001,null,{"$f":"IF(G13+G12=$C$13,IF(G$11>$C$14,$C$14-$C$13,G$11-$C$13),0)","v":0},{"$f":"$E$14*G14","v":0},{"$f":"IF(I13+I12=$C$13,IF(I$11>$C$14,$C$14-$C$13,I$11-$C$13),0)","v":0},{"$f":"$E$14*I14","v":0},{"$f":"IF(K13+K12=$C$13,IF(K$11>$C$14,$C$14-$C$13,K$11-$C$13),0)","v":0},{"$f":"$E$14*K14","v":0},{"$f":"IF(M13+M12=$C$13,IF(M$11>$C$14,$C$14-$C$13,M$11-$C$13),0)","v":0},{"$f":"$E$14*M14","v":0},{"$f":"IF(O13+O12=$C$13,IF(O$11>$C$14,$C$14-$C$13,O$11-$C$13),0)","v":0},{"$f":"$E$14*O14","v":0},{"$f":"IF(Q13+Q12=$C$13,IF(Q$11>$C$14,$C$14-$C$13,Q$11-$C$13),0)","v":0},{"$f":"$E$14*Q14","v":0}]
[null,120001,180000,null,0.37,null,{"$f":"IF(G14+G13+G12=$C$14,IF(G$11>$C$15,$C$15-$C$14,G$11-$C$14),0)","v":0},{"$f":"$E$15*G15","v":0},{"$f":"IF(I14+I13+I12=$C$14,IF(I$11>$C$15,$C$15-$C$14,I$11-$C$14),0)","v":0},{"$f":"$E$15*I15","v":0},{"$f":"IF(K14+K13+K12=$C$14,IF(K$11>$C$15,$C$15-$C$14,K$11-$C$14),0)","v":0},{"$f":"$E$15*K15","v":0},{"$f":"IF(M14+M13+M12=$C$14,IF(M$11>$C$15,$C$15-$C$14,M$11-$C$14),0)","v":0},{"$f":"$E$15*M15","v":0},{"$f":"IF(O14+O13+O12=$C$14,IF(O$11>$C$15,$C$15-$C$14,O$11-$C$14),0)","v":0},{"$f":"$E$15*O15","v":0},{"$f":"IF(Q14+Q13+Q12=$C$14,IF(Q$11>$C$15,$C$15-$C$14,Q$11-$C$14),0)","v":0},{"$f":"$E$15*Q15","v":0}]
[null,180001,100000000,null,0.45,null,{"$f":"IF(G15+G14+G13+G12=$C$15,IF(G$11>$C$16,$C$16-$C$15,G$11-$C$15),0)","v":0},{"$f":"$E$16*G16","v":0},{"$f":"IF(I15+I14+I13+I12=$C$15,IF(I$11>$C$16,$C$16-$C$15,I$11-$C$15),0)","v":0},{"$f":"$E$16*I16","v":0},{"$f":"IF(K15+K14+K13+K12=$C$15,IF(K$11>$C$16,$C$16-$C$15,K$11-$C$15),0)","v":0},{"$f":"$E$16*K16","v":0},{"$f":"IF(M15+M14+M13+M12=$C$15,IF(M$11>$C$16,$C$16-$C$15,M$11-$C$15),0)","v":0},{"$f":"$E$16*M16","v":0},{"$f":"IF(O15+O14+O13+O12=$C$15,IF(O$11>$C$16,$C$16-$C$15,O$11-$C$15),0)","v":0},{"$f":"$E$16*O16","v":0},{"$f":"IF(Q15+Q14+Q13+Q12=$C$15,IF(Q$11>$C$16,$C$16-$C$15,Q$11-$C$15),0)","v":0},{"$f":"$E$16*Q16","v":0}]
[null,null,null,null,"Taxable IncomeTotals:",null,{"$f":"SUM(G12:G16)","v":0},{"$f":"SUM(H12:H16)","v":0},0,0,0,0,0,0,0,0,0,0]
[]
["Low & Middle Income Tax Offset table",null,null,"Tax Offset","Tax Offset %"]
[null,0,37000,0,null,null,{"$f":"IF(G$11>$C$20,$C$20,G$11)","v":0},{"$f":"IF(G$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(I$11>$C$20,$C$20,I$11)","v":0},{"$f":"IF(I$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(K$11>$C$20,$C$20,K$11)","v":0},{"$f":"IF(K$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(M$11>$C$20,$C$20,M$11)","v":0},{"$f":"IF(M$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(O$11>$C$20,$C$20,O$11)","v":0},{"$f":"IF(O$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(Q$11>$C$20,$C$20,Q$11)","v":0},{"$f":"IF(Q$11<$C$20+0.01,$D$20,0)","v":0},"does not exceed $37,000, you will be entitled to an offset amount of $255 on your tax payable."]
[null,37001,48000,0,7.4999999999999997E-2,null,{"$f":"IF(G20=$C$20,IF(G$11>$C$21,$C$21-$C$20,G$11-$C$20),0)","v":0},{"$f":"IF(G21=0,0,IF(G$11<$C$21+0.01,(((G$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(I20=$C$20,IF(I$11>$C$21,$C$21-$C$20,I$11-$C$20),0)","v":0},{"$f":"IF(I21=0,0,IF(I$11<$C$21+0.01,(((I$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(K20=$C$20,IF(K$11>$C$21,$C$21-$C$20,K$11-$C$20),0)","v":0},{"$f":"IF(K21=0,0,IF(K$11<$C$21+0.01,(((K$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(M20=$C$20,IF(M$11>$C$21,$C$21-$C$20,M$11-$C$20),0)","v":0},{"$f":"IF(M21=0,0,IF(M$11<$C$21+0.01,(((M$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(O20=$C$20,IF(O$11>$C$21,$C$21-$C$20,O$11-$C$20),0)","v":0},{"$f":"IF(O21=0,0,IF(O$11<$C$21+0.01,(((O$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(Q20=$C$20,IF(Q$11>$C$21,$C$21-$C$20,Q$11-$C$20),0)","v":0},{"$f":"IF(Q21=0,0,IF(Q$11<$C$21+0.01,(((Q$11-$C$20)*$E$21)+$D$21),0))","v":0},"exceeds $37,000 but is not more than $48,000, you will be entitled to an offset amount of $255, plus 7.5% of the excess above $37,000 to a maximum offset of $1,080 on your tax payable."]
[null,48001,90000,0,null,null,{"$f":"IF(G21+G20=$C$21,IF(G$11>$C$22,$C$22-$C$21,G$11-$C$21),0)","v":0},{"$f":"IF(G22=0,0,IF(G$11<$C$22+0.01,(((G$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(I21+I20=$C$21,IF(I$11>$C$22,$C$22-$C$21,I$11-$C$21),0)","v":0},{"$f":"IF(I22=0,0,IF(I$11<$C$22+0.01,(((I$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(K21+K20=$C$21,IF(K$11>$C$22,$C$22-$C$21,K$11-$C$21),0)","v":0},{"$f":"IF(K22=0,0,IF(K$11<$C$22+0.01,(((K$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(M21+M20=$C$21,IF(M$11>$C$22,$C$22-$C$21,M$11-$C$21),0)","v":0},{"$f":"IF(M22=0,0,IF(M$11<$C$22+0.01,(((M$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(O21+O20=$C$21,IF(O$11>$C$22,$C$22-$C$21,O$11-$C$21),0)","v":0},{"$f":"IF(O22=0,0,IF(O$11<$C$22+0.01,(((O$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(Q21+Q20=$C$21,IF(Q$11>$C$22,$C$22-$C$21,Q$11-$C$21),0)","v":0},{"$f":"IF(Q22=0,0,IF(Q$11<$C$22+0.01,(((Q$11-$C$21)*$E$22)+$D$22),0))","v":0},"exceeds $48,000 but is not more than $90,000, you will be entitled to the maximum offset amount of $1,080 on your tax payable."]
[null,90001,126000,0,-0.03,null,{"$f":"IF(G22+G21+G20=$C$22,IF(G$11>$C$23,$C$23-$C$22,G$11-$C$22),0)","v":0},{"$f":"IF(G23=0,0,IF(G$11<$C$23+0.01,(((G$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(I22+I21+I20=$C$22,IF(I$11>$C$23,$C$23-$C$22,I$11-$C$22),0)","v":0},{"$f":"IF(I23=0,0,IF(I$11<$C$23+0.01,(((I$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(K22+K21+K20=$C$22,IF(K$11>$C$23,$C$23-$C$22,K$11-$C$22),0)","v":0},{"$f":"IF(K23=0,0,IF(K$11<$C$23+0.01,(((K$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(M22+M21+M20=$C$22,IF(M$11>$C$23,$C$23-$C$22,M$11-$C$22),0)","v":0},{"$f":"IF(M23=0,0,IF(M$11<$C$23+0.01,(((M$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(O22+O21+O20=$C$22,IF(O$11>$C$23,$C$23-$C$22,O$11-$C$22),0)","v":0},{"$f":"IF(O23=0,0,IF(O$11<$C$23+0.01,(((O$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(Q22+Q21+Q20=$C$22,IF(Q$11>$C$23,$C$23-$C$22,Q$11-$C$22),0)","v":0},{"$f":"IF(Q23=0,0,IF(Q$11<$C$23+0.01,(((Q$11-$C$22)*$E$23)+$D$23),0))","v":0},"exceeds $90,000 but is not more than $126,000, you will be entitled to an offset amount $1,080 less 3% of your taxable income above $90,000."]
[null,126001,100000000,null,null,null,{"$f":"IF(G23+G22+G21+G20=$C$23,IF(G$11>$C$24,$C$24-$C$23,G$11-$C$23),0)","v":0},null,{"$f":"IF(I23+I22+I21+I20=$C$23,IF(I$11>$C$24,$C$24-$C$23,I$11-$C$23),0)","v":0},null,{"$f":"IF(K23+K22+K21+K20=$C$23,IF(K$11>$C$24,$C$24-$C$23,K$11-$C$23),0)","v":0},null,{"$f":"IF(M23+M22+M21+M20=$C$23,IF(M$11>$C$24,$C$24-$C$23,M$11-$C$23),0)","v":0},null,{"$f":"IF(O23+O22+O21+O20=$C$23,IF(O$11>$C$24,$C$24-$C$23,O$11-$C$23),0)","v":0},null,{"$f":"IF(Q23+Q22+Q21+Q20=$C$23,IF(Q$11>$C$24,$C$24-$C$23,Q$11-$C$23),0)","v":0}]
[null,null,null,null,"Low & Middle Income Tax Offse Totals:",null,{"$f":"SUM(G19:G24)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[]
["Low Income Tax Offset",null,null,"Tax Offset","Tax Offset %"]
[null,0,37500,700,null,null,{"$f":"IF(G$11>$C$28,$C$28,G$11)","v":0},{"$f":"IF(G$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(I$11>$C$28,$C$28,I$11)","v":0},{"$f":"IF(I$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(K$11>$C$28,$C$28,K$11)","v":0},{"$f":"IF(K$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(M$11>$C$28,$C$28,M$11)","v":0},{"$f":"IF(M$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(O$11>$C$28,$C$28,O$11)","v":0},{"$f":"IF(O$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(Q$11>$C$28,$C$28,Q$11)","v":0},{"$f":"IF(Q$11<$C$28+0.01,$D$28,0)","v":700},"The maximum tax offset of $700 applies if your taxable income is $37,500 or less. \\"]
[null,37501,45000,700,-0.05,null,{"$f":"IF(G28=$C$28,IF(G$11>$C$29,$C$29-$C$28,G$11-$C$28),0)","v":0},{"$f":"IF(G29=0,0,IF(G$11<$C$29+0.01,(((G$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(I28=$C$28,IF(I$11>$C$29,$C$29-$C$28,I$11-$C$28),0)","v":0},{"$f":"IF(I29=0,0,IF(I$11<$C$29+0.01,(((I$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(K28=$C$28,IF(K$11>$C$29,$C$29-$C$28,K$11-$C$28),0)","v":0},{"$f":"IF(K29=0,0,IF(K$11<$C$29+0.01,(((K$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(M28=$C$28,IF(M$11>$C$29,$C$29-$C$28,M$11-$C$28),0)","v":0},{"$f":"IF(M29=0,0,IF(M$11<$C$29+0.01,(((M$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(O28=$C$28,IF(O$11>$C$29,$C$29-$C$28,O$11-$C$28),0)","v":0},{"$f":"IF(O29=0,0,IF(O$11<$C$29+0.01,(((O$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(Q28=$C$28,IF(Q$11>$C$29,$C$29-$C$28,Q$11-$C$28),0)","v":0},{"$f":"IF(Q29=0,0,IF(Q$11<$C$29+0.01,(((Q$11-$C$28)*$E$29)+$D$29),0))","v":0},"This amount is reduced by 5 cents for each dollar over $37,500 up to $45,000."]
[null,45001,66667,325,-1.4999999999999999E-2,null,{"$f":"IF(G29+G28=$C$29,IF(G$11>$C$30,$C$30-$C$29,G$11-$C$29),0)","v":0},{"$f":"IF(G30=0,0,IF(G$11<$C$30+0.01,(((G$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(I29+I28=$C$29,IF(I$11>$C$30,$C$30-$C$29,I$11-$C$29),0)","v":0},{"$f":"IF(I30=0,0,IF(I$11<$C$30+0.01,(((I$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(K29+K28=$C$29,IF(K$11>$C$30,$C$30-$C$29,K$11-$C$29),0)","v":0},{"$f":"IF(K30=0,0,IF(K$11<$C$30+0.01,(((K$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(M29+M28=$C$29,IF(M$11>$C$30,$C$30-$C$29,M$11-$C$29),0)","v":0},{"$f":"IF(M30=0,0,IF(M$11<$C$30+0.01,(((M$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(O29+O28=$C$29,IF(O$11>$C$30,$C$30-$C$29,O$11-$C$29),0)","v":0},{"$f":"IF(O30=0,0,IF(O$11<$C$30+0.01,(((O$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(Q29+Q28=$C$29,IF(Q$11>$C$30,$C$30-$C$29,Q$11-$C$29),0)","v":0},{"$f":"IF(Q30=0,0,IF(Q$11<$C$30+0.01,(((Q$11-$C$29)*$E$30)+$D$30),0))","v":0},"This amount is reduced by 1.55 cents for each dollar over $45,000 up to $66,667"]
[null,66668,100000000,null,null,null,{"$f":"IF(G29+G28+G30=$C$30,IF(G$11>$C$31,$C$31-$C$30,G$11-$C$30),0)","v":0},{"$f":"IF(G31=0,0,IF(G$11<$C$31+0.01,(((G$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(I29+I28+I30=$C$30,IF(I$11>$C$31,$C$31-$C$30,I$11-$C$30),0)","v":0},{"$f":"IF(I31=0,0,IF(I$11<$C$31+0.01,(((I$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(K29+K28+K30=$C$30,IF(K$11>$C$31,$C$31-$C$30,K$11-$C$30),0)","v":0},{"$f":"IF(K31=0,0,IF(K$11<$C$31+0.01,(((K$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(M29+M28+M30=$C$30,IF(M$11>$C$31,$C$31-$C$30,M$11-$C$30),0)","v":0},{"$f":"IF(M31=0,0,IF(M$11<$C$31+0.01,(((M$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(O29+O28+O30=$C$30,IF(O$11>$C$31,$C$31-$C$30,O$11-$C$30),0)","v":0},{"$f":"IF(O31=0,0,IF(O$11<$C$31+0.01,(((O$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(Q29+Q28+Q30=$C$30,IF(Q$11>$C$31,$C$31-$C$30,Q$11-$C$30),0)","v":0},{"$f":"IF(Q31=0,0,IF(Q$11<$C$31+0.01,(((Q$11-$C$29)*$E$31)+$D$31),0))","v":0}]
[null,null,null,null,"Low Income Tax Offset Totals:",null,null,{"$f":"SUM(H28:H31)","v":700},null,{"$f":"SUM(J28:J31)","v":700},null,{"$f":"SUM(L28:L31)","v":700},null,{"$f":"SUM(N28:N31)","v":700},null,{"$f":"SUM(P28:P31)","v":700},null,{"$f":"SUM(R28:R31)","v":700}]
[]
[null,null,null,null,"Total Tax",null,null,{"$f":"IF(H17-H25-H32<0,0,H17-H25-H32)","v":0},null,{"$f":"IF(J17-J25-J32<0,0,J17-J25-J32)","v":0},null,{"$f":"IF(L17-L25-L32<0,0,L17-L25-L32)","v":0},null,{"$f":"IF(N17-N25-N32<0,0,N17-N25-N32)","v":0},null,{"$f":"IF(P17-P25-P32<0,0,P17-P25-P32)","v":0},null,{"$f":"IF(R17-R25-R32<0,0,R17-R25-R32)","v":0}]
[]
["Medicare Levy (Yearly)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"In 2018–19, you do not have to pay the Medicare levy if your taxable income is equal to or less than $22,398"]
[null,0,24276,0,0,null,{"$f":"IF(G$11>$C$37,$C$37,G$11)","v":0},{"$f":"IF(G$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(I$11>$C$37,$C$37,I$11)","v":0},{"$f":"IF(I$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(K$11>$C$37,$C$37,K$11)","v":0},{"$f":"IF(K$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(M$11>$C$37,$C$37,M$11)","v":0},{"$f":"IF(M$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(O$11>$C$37,$C$37,O$11)","v":0},{"$f":"IF(O$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(Q$11>$C$37,$C$37,Q$11)","v":0},{"$f":"IF(Q$11<$C$37+0.01,$D$37,0)","v":0},"You will pay only part of the Medicare levy if your taxable income is between $22,398 and $27,997 "]
[null,24276,30345,0,0.1,null,{"$f":"IF(G37=$C$37,IF(G$11>$C$38,$C$38-$C$37,G$11-$C$37),0)","v":0},{"$f":"IF(G38=0,0,IF(G$11<$C$38+0.01,(((G$11-$C$37)*$E$38)+$D$38),0))","v":0},{"$f":"IF(I37=$C$37,IF(I$11>$C$38,$C$38-$C$37,I$11-$C$37),0)","v":0},{"$f":"IF(I38=0,0,IF(I$11<$C$38+0.01,(((I$11-$C$37)*$E$38)+$D$38),0))","v":0},{"$f":"IF(K37=$C$37,IF(K$11>$C$38,$C$38-$C$37,K$11-$C$37),0)","v":0},{"$f":"IF(K38=0,0,IF(K$11<$C$38+0.01,(((K$11-$C$37)*$E$38)+$D$38),0))","v":0},{"$f":"IF(M37=$C$37,IF(M$11>$C$38,$C$38-$C$37,M$11-$C$37),0)","v":0},{"$f":"IF(M38=0,0,IF(M$11<$C$38+0.01,(((M$11-$C$37)*$E$38)+$D$38),0))","v":0},{"$f":"IF(O37=$C$37,IF(O$11>$C$38,$C$38-$C$37,O$11-$C$37),0)","v":0},{"$f":"IF(O38=0,0,IF(O$11<$C$38+0.01,(((O$11-$C$37)*$E$38)+$D$38),0))","v":0},{"$f":"IF(Q37=$C$37,IF(Q$11>$C$38,$C$38-$C$37,Q$11-$C$37),0)","v":0},{"$f":"IF(Q38=0,0,IF(Q$11<$C$38+0.01,(((Q$11-$C$37)*$E$38)+$D$38),0))","v":0}]
[null,30345,100000000,{"$f":"C38*2%","v":606.9},0.02,null,{"$f":"IF(G38+G37=$C$38,IF(G$11>$C$39,$C$39-$C$38,G$11-$C$38),0)","v":0},{"$f":"IF(G39=0,0,IF(G$11<$C$39+0.01,(((G$11-$C$38)*$E$39)+$D$39),0))","v":0},{"$f":"IF(I38+I37=$C$38,IF(I$11>$C$39,$C$39-$C$38,I$11-$C$38),0)","v":0},{"$f":"IF(I39=0,0,IF(I$11<$C$39+0.01,(((I$11-$C$38)*$E$39)+$D$39),0))","v":0},{"$f":"IF(K38+K37=$C$38,IF(K$11>$C$39,$C$39-$C$38,K$11-$C$38),0)","v":0},{"$f":"IF(K39=0,0,IF(K$11<$C$39+0.01,(((K$11-$C$38)*$E$39)+$D$39),0))","v":0},{"$f":"IF(M38+M37=$C$38,IF(M$11>$C$39,$C$39-$C$38,M$11-$C$38),0)","v":0},{"$f":"IF(M39=0,0,IF(M$11<$C$39+0.01,(((M$11-$C$38)*$E$39)+$D$39),0))","v":0},{"$f":"IF(O38+O37=$C$38,IF(O$11>$C$39,$C$39-$C$38,O$11-$C$38),0)","v":0},{"$f":"IF(O39=0,0,IF(O$11<$C$39+0.01,(((O$11-$C$38)*$E$39)+$D$39),0))","v":0},{"$f":"IF(Q38+Q37=$C$38,IF(Q$11>$C$39,$C$39-$C$38,Q$11-$C$38),0)","v":0},{"$f":"IF(Q39=0,0,IF(Q$11<$C$39+0.01,(((Q$11-$C$38)*$E$39)+$D$39),0))","v":0}]
[null,null,null,null,"Medicare Levy Totals:",null,null,{"$f":"SUM(H37:H39)","v":0},null,{"$f":"SUM(J37:J39)","v":0},null,{"$f":"SUM(L37:L39)","v":0},null,{"$f":"SUM(N37:N39)","v":0},null,{"$f":"SUM(P37:P39)","v":0},null,{"$f":"SUM(R37:R39)","v":0}]
[]
[null,null,null,null,"Total Tax",null,null,{"$f":"H34+H40","v":0},null,{"$f":"J34+J40","v":0},null,{"$f":"L34+L40","v":0},null,{"$f":"N34+N40","v":0},null,{"$f":"P34+P40","v":0},null,{"$f":"R34+R40","v":0}]
["HECS/HELP Debt",null,null,null,null,null,{"$f":"IF(G7>0,G7+G9,G9)","v":0},null,{"$f":"IF(I7>0,I7+I9,I9)","v":0},null,{"$f":"IF(K7>0,K7+K9,K9)","v":0},null,{"$f":"IF(M7>0,M7+M9,M9)","v":0},null,{"$f":"IF(O7>0,O7+O9,O9)","v":0},null,{"$f":"IF(Q7>0,Q7+Q9,Q9)","v":0}]
[null,0,51550,null,0,null,{"$f":"IF(G$43>$C44,0,IF(G$43<$B44,0,G$43))","v":0},{"$f":"$E44*G44","v":0},{"$f":"IF(I$43>$C44,0,IF(I$43<$B44,0,I$43))","v":0},{"$f":"$E44*I44","v":0},{"$f":"IF(K$43>$C44,0,IF(K$43<$B44,0,K$43))","v":0},{"$f":"$E44*K44","v":0},{"$f":"IF(M$43>$C44,0,IF(M$43<$B44,0,M$43))","v":0},{"$f":"$E44*M44","v":0},{"$f":"IF(O$43>$C44,0,IF(O$43<$B44,0,O$43))","v":0},{"$f":"$E44*O44","v":0},{"$f":"IF(Q$43>$C44,0,IF(Q$43<$B44,0,Q$43))","v":0},{"$f":"$E44*Q44","v":0}]
[null,{"$f":"C44+0.01","v":51550.01},59518,null,0.01,null,0,{"$f":"$E45*G45","v":0},0,0,0,{"$f":"$E45*K45","v":0},0,{"$f":"$E45*M45","v":0},0,{"$f":"$E45*O45","v":0},0,{"$f":"$E45*Q45","v":0}]
[null,59518.01,63089,null,0.02,null,0,0,0,0,0,0,0,{"$f":"$E46*M46","v":0},0,0,0,{"$f":"$E46*Q46","v":0}]
[null,63089.01,66875,null,2.5000000000000001E-2,null,0,0,0,0,0,0,0,{"$f":"$E47*M47","v":0},0,0,0,{"$f":"$E47*Q47","v":0}]
[null,66875.009999999995,70888,null,0.03,null,0,0,0,0,0,0,0,{"$f":"$E48*M48","v":0},0,0,0,{"$f":"$E48*Q48","v":0}]
[null,70888.009999999995,75140,null,3.5000000000000003E-2,null,0,0,0,0,0,0,0,{"$f":"$E49*M49","v":0},0,0,0,{"$f":"$E49*Q49","v":0}]
[null,75140.009999999995,79649,null,0.04,null,0,0,0,0,0,0,0,{"$f":"$E50*M50","v":0},0,0,0,{"$f":"$E50*Q50","v":0}]
[null,79649.009999999995,84429,null,4.4999999999999998E-2,null,0,0,0,0,0,0,0,{"$f":"$E51*M51","v":0},0,0,0,{"$f":"$E51*Q51","v":0}]
[null,84429.01,89494,null,0.05,null,0,0,0,0,0,0,0,{"$f":"$E52*M52","v":0},0,0,0,{"$f":"$E52*Q52","v":0}]
[null,89494.01,94865,null,5.5E-2,null,0,0,0,0,0,0,0,{"$f":"$E53*M53","v":0},0,0,0,{"$f":"$E53*Q53","v":0}]
[null,94865.01,100557,null,0.06,null,0,0,0,0,0,0,0,{"$f":"$E54*M54","v":0},0,0,0,{"$f":"$E54*Q54","v":0}]
[null,100557.01,106590,null,6.5000000000000002E-2,null,0,0,0,0,0,0,0,{"$f":"$E55*M55","v":0},0,0,0,{"$f":"$E55*Q55","v":0}]
[null,106590.01,112985,null,7.0000000000000007E-2,null,0,0,0,0,0,0,0,{"$f":"$E56*M56","v":0},0,0,0,{"$f":"$E56*Q56","v":0}]
[null,112985.01,119764,null,7.4999999999999997E-2,null,0,0,0,0,0,0,0,{"$f":"$E57*M57","v":0},0,0,0,{"$f":"$E57*Q57","v":0}]
[null,119764.01,126950,null,0.08,null,0,0,0,0,0,0,0,{"$f":"$E58*M58","v":0},0,0,0,{"$f":"$E58*Q58","v":0}]
[null,126950.01,134568,null,8.5000000000000006E-2,null,0,0,0,0,0,0,0,{"$f":"$E59*M59","v":0},0,0,0,{"$f":"$E59*Q59","v":0}]
[null,134568.01,142642,null,0.09,null,0,0,0,0,0,0,0,{"$f":"$E60*M60","v":0},0,0,0,{"$f":"$E60*Q60","v":0}]
[null,142642.01,151200,null,9.5000000000000001E-2,null,0,0,0,0,0,0,0,{"$f":"$E61*M61","v":0},0,0,0,{"$f":"$E61*Q61","v":0}]
[null,151200.01,100000000,null,9.9999999999999895E-2,null,0,0,0,0,0,0,0,{"$f":"$E62*M62","v":0},0,0,0,{"$f":"$E62*Q62","v":0}]
[null,null,null,null,"HECS/HELP DEBT TOTALS:",null,{"$f":"SUM(G44:G62)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,null,"Total Tax If HECS/HELP Debt",null,null,{"$f":"H42+H63","v":0},null,{"$f":"J42+J63","v":0},null,{"$f":"L42+L63","v":0},null,{"$f":"N42+N63","v":0},null,{"$f":"P42+P63","v":0},null,{"$f":"R42+R63","v":0}]
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[null,null,112990,119769,8.5000000000000006E-2]
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["Rental Income Allowable %",null,null,0.8]
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["Gross Annual Income",null,null,null,null,null,{"$f":"Commercial!C15","v":0},null,{"$f":"Commercial!E15","v":0},null,{"$f":"Commercial!G15","v":0},null,{"$f":"Commercial!I15","v":0},null,{"$f":"Commercial!K15","v":0}]
[]
["Gross Taxable Income",null,null,null,"Tax Rate",null,{"$f":"G7+G9","v":0},null,{"$f":"I7+I9","v":0},null,{"$f":"K7+K9","v":0},null,{"$f":"M7+M9","v":0},null,{"$f":"O7+O9","v":0}]
[null,0,18200,null,0,null,{"$f":"IF(G11>$C$12,$C$12,G11)","v":0},{"$f":"$E$12*G12","v":0},{"$f":"IF(I11>$C$12,$C$12,I11)","v":0},{"$f":"$E$12*I12","v":0},{"$f":"IF(K11>$C$12,$C$12,K11)","v":0},{"$f":"$E$12*K12","v":0},{"$f":"IF(M11>$C$12,$C$12,M11)","v":0},{"$f":"$E$12*M12","v":0},{"$f":"IF(O11>$C$12,$C$12,O11)","v":0},{"$f":"$E$12*O12","v":0}]
[null,18201,45000,null,0.19,null,{"$f":"IF(G12=$C$12,IF(G$11>$C$13,$C$13-$C$12,G$11-$C$12),0)","v":0},{"$f":"$E$13*G13","v":0},{"$f":"IF(I12=$C$12,IF(I$11>$C$13,$C$13-$C$12,I$11-$C$12),0)","v":0},{"$f":"$E$13*I13","v":0},{"$f":"IF(K12=$C$12,IF(K$11>$C$13,$C$13-$C$12,K$11-$C$12),0)","v":0},{"$f":"$E$13*K13","v":0},{"$f":"IF(M12=$C$12,IF(M$11>$C$13,$C$13-$C$12,M$11-$C$12),0)","v":0},{"$f":"$E$13*M13","v":0},{"$f":"IF(O12=$C$12,IF(O$11>$C$13,$C$13-$C$12,O$11-$C$12),0)","v":0},{"$f":"$E$13*O13","v":0}]
[null,45001,120000,null,0.32500000000000001,null,{"$f":"IF(G13+G12=$C$13,IF(G$11>$C$14,$C$14-$C$13,G$11-$C$13),0)","v":0},{"$f":"$E$14*G14","v":0},{"$f":"IF(I13+I12=$C$13,IF(I$11>$C$14,$C$14-$C$13,I$11-$C$13),0)","v":0},{"$f":"$E$14*I14","v":0},{"$f":"IF(K13+K12=$C$13,IF(K$11>$C$14,$C$14-$C$13,K$11-$C$13),0)","v":0},{"$f":"$E$14*K14","v":0},{"$f":"IF(M13+M12=$C$13,IF(M$11>$C$14,$C$14-$C$13,M$11-$C$13),0)","v":0},{"$f":"$E$14*M14","v":0},{"$f":"IF(O13+O12=$C$13,IF(O$11>$C$14,$C$14-$C$13,O$11-$C$13),0)","v":0},{"$f":"$E$14*O14","v":0}]
[null,120001,180000,null,0.37,null,{"$f":"IF(G14+G13+G12=$C$14,IF(G$11>$C$15,$C$15-$C$14,G$11-$C$14),0)","v":0},{"$f":"$E$15*G15","v":0},{"$f":"IF(I14+I13+I12=$C$14,IF(I$11>$C$15,$C$15-$C$14,I$11-$C$14),0)","v":0},{"$f":"$E$15*I15","v":0},{"$f":"IF(K14+K13+K12=$C$14,IF(K$11>$C$15,$C$15-$C$14,K$11-$C$14),0)","v":0},{"$f":"$E$15*K15","v":0},{"$f":"IF(M14+M13+M12=$C$14,IF(M$11>$C$15,$C$15-$C$14,M$11-$C$14),0)","v":0},{"$f":"$E$15*M15","v":0},{"$f":"IF(O14+O13+O12=$C$14,IF(O$11>$C$15,$C$15-$C$14,O$11-$C$14),0)","v":0},{"$f":"$E$15*O15","v":0}]
[null,180001,100000000,null,0.45,null,{"$f":"IF(G15+G14+G13+G12=$C$15,IF(G$11>$C$16,$C$16-$C$15,G$11-$C$15),0)","v":0},{"$f":"$E$16*G16","v":0},{"$f":"IF(I15+I14+I13+I12=$C$15,IF(I$11>$C$16,$C$16-$C$15,I$11-$C$15),0)","v":0},{"$f":"$E$16*I16","v":0},{"$f":"IF(K15+K14+K13+K12=$C$15,IF(K$11>$C$16,$C$16-$C$15,K$11-$C$15),0)","v":0},{"$f":"$E$16*K16","v":0},{"$f":"IF(M15+M14+M13+M12=$C$15,IF(M$11>$C$16,$C$16-$C$15,M$11-$C$15),0)","v":0},{"$f":"$E$16*M16","v":0},{"$f":"IF(O15+O14+O13+O12=$C$15,IF(O$11>$C$16,$C$16-$C$15,O$11-$C$15),0)","v":0},{"$f":"$E$16*O16","v":0}]
[null,null,null,null,"Taxable IncomeTotals:",null,{"$f":"SUM(G12:G16)","v":0},0,0,0,0,0,0,0,0,0]
[]
["Low & Middle Income Tax Offset table",null,null,"Tax Offset","Tax Offset %"]
[null,0,37000,0,null,null,{"$f":"IF(G$11>$C$20,$C$20,G$11)","v":0},{"$f":"IF(G$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(I$11>$C$20,$C$20,I$11)","v":0},{"$f":"IF(I$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(K$11>$C$20,$C$20,K$11)","v":0},{"$f":"IF(K$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(M$11>$C$20,$C$20,M$11)","v":0},{"$f":"IF(M$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(O$11>$C$20,$C$20,O$11)","v":0},{"$f":"IF(O$11<$C$20+0.01,$D$20,0)","v":0},"does not exceed $37,000, you will be entitled to an offset amount of $255 on your tax payable."]
[null,37001,48000,0,7.4999999999999997E-2,null,{"$f":"IF(G20=$C$20,IF(G$11>$C$21,$C$21-$C$20,G$11-$C$20),0)","v":0},{"$f":"IF(G21=0,0,IF(G$11<$C$21+0.01,(((G$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(I20=$C$20,IF(I$11>$C$21,$C$21-$C$20,I$11-$C$20),0)","v":0},{"$f":"IF(I21=0,0,IF(I$11<$C$21+0.01,(((I$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(K20=$C$20,IF(K$11>$C$21,$C$21-$C$20,K$11-$C$20),0)","v":0},{"$f":"IF(K21=0,0,IF(K$11<$C$21+0.01,(((K$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(M20=$C$20,IF(M$11>$C$21,$C$21-$C$20,M$11-$C$20),0)","v":0},{"$f":"IF(M21=0,0,IF(M$11<$C$21+0.01,(((M$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(O20=$C$20,IF(O$11>$C$21,$C$21-$C$20,O$11-$C$20),0)","v":0},{"$f":"IF(O21=0,0,IF(O$11<$C$21+0.01,(((O$11-$C$20)*$E$21)+$D$21),0))","v":0},"exceeds $37,000 but is not more than $48,000, you will be entitled to an offset amount of $255, plus 7.5% of the excess above $37,000 to a maximum offset of $1,080 on your tax payable."]
[null,48001,90000,0,null,null,{"$f":"IF(G21+G20=$C$21,IF(G$11>$C$22,$C$22-$C$21,G$11-$C$21),0)","v":0},{"$f":"IF(G22=0,0,IF(G$11<$C$22+0.01,(((G$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(I21+I20=$C$21,IF(I$11>$C$22,$C$22-$C$21,I$11-$C$21),0)","v":0},{"$f":"IF(I22=0,0,IF(I$11<$C$22+0.01,(((I$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(K21+K20=$C$21,IF(K$11>$C$22,$C$22-$C$21,K$11-$C$21),0)","v":0},{"$f":"IF(K22=0,0,IF(K$11<$C$22+0.01,(((K$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(M21+M20=$C$21,IF(M$11>$C$22,$C$22-$C$21,M$11-$C$21),0)","v":0},{"$f":"IF(M22=0,0,IF(M$11<$C$22+0.01,(((M$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(O21+O20=$C$21,IF(O$11>$C$22,$C$22-$C$21,O$11-$C$21),0)","v":0},{"$f":"IF(O22=0,0,IF(O$11<$C$22+0.01,(((O$11-$C$21)*$E$22)+$D$22),0))","v":0},"exceeds $48,000 but is not more than $90,000, you will be entitled to the maximum offset amount of $1,080 on your tax payable."]
[null,90001,126000,0,-0.03,null,{"$f":"IF(G22+G21+G20=$C$22,IF(G$11>$C$23,$C$23-$C$22,G$11-$C$22),0)","v":0},{"$f":"IF(G23=0,0,IF(G$11<$C$23+0.01,(((G$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(I22+I21+I20=$C$22,IF(I$11>$C$23,$C$23-$C$22,I$11-$C$22),0)","v":0},{"$f":"IF(I23=0,0,IF(I$11<$C$23+0.01,(((I$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(K22+K21+K20=$C$22,IF(K$11>$C$23,$C$23-$C$22,K$11-$C$22),0)","v":0},{"$f":"IF(K23=0,0,IF(K$11<$C$23+0.01,(((K$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(M22+M21+M20=$C$22,IF(M$11>$C$23,$C$23-$C$22,M$11-$C$22),0)","v":0},{"$f":"IF(M23=0,0,IF(M$11<$C$23+0.01,(((M$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(O22+O21+O20=$C$22,IF(O$11>$C$23,$C$23-$C$22,O$11-$C$22),0)","v":0},{"$f":"IF(O23=0,0,IF(O$11<$C$23+0.01,(((O$11-$C$22)*$E$23)+$D$23),0))","v":0},"exceeds $90,000 but is not more than $126,000, you will be entitled to an offset amount $1,080 less 3% of your taxable income above $90,000."]
[null,126001,100000000,null,null,null,{"$f":"IF(G23+G22+G21+G20=$C$23,IF(G$11>$C$24,$C$24-$C$23,G$11-$C$23),0)","v":0},null,{"$f":"IF(I23+I22+I21+I20=$C$23,IF(I$11>$C$24,$C$24-$C$23,I$11-$C$23),0)","v":0},null,{"$f":"IF(K23+K22+K21+K20=$C$23,IF(K$11>$C$24,$C$24-$C$23,K$11-$C$23),0)","v":0},null,{"$f":"IF(M23+M22+M21+M20=$C$23,IF(M$11>$C$24,$C$24-$C$23,M$11-$C$23),0)","v":0},null,{"$f":"IF(O23+O22+O21+O20=$C$23,IF(O$11>$C$24,$C$24-$C$23,O$11-$C$23),0)","v":0}]
[null,null,null,null,"Low & Middle Income Tax Offse Totals:",null,{"$f":"SUM(G19:G24)","v":0},0,0,0,0,0,0,0,0,0]
[]
["Low Income Tax Offset",null,null,"Tax Offset","Tax Offset %"]
[null,0,37500,700,null,null,{"$f":"IF(G$11>$C$28,$C$28,G$11)","v":0},{"$f":"IF(G$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(I$11>$C$28,$C$28,I$11)","v":0},{"$f":"IF(I$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(K$11>$C$28,$C$28,K$11)","v":0},{"$f":"IF(K$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(M$11>$C$28,$C$28,M$11)","v":0},{"$f":"IF(M$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(O$11>$C$28,$C$28,O$11)","v":0},{"$f":"IF(O$11<$C$28+0.01,$D$28,0)","v":700},"The maximum tax offset of $700 applies if your taxable income is $37,500 or less. \\"]
[null,37501,45000,700,-0.05,null,{"$f":"IF(G28=$C$28,IF(G$11>$C$29,$C$29-$C$28,G$11-$C$28),0)","v":0},{"$f":"IF(G29=0,0,IF(G$11<$C$29+0.01,(((G$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(I28=$C$28,IF(I$11>$C$29,$C$29-$C$28,I$11-$C$28),0)","v":0},{"$f":"IF(I29=0,0,IF(I$11<$C$29+0.01,(((I$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(K28=$C$28,IF(K$11>$C$29,$C$29-$C$28,K$11-$C$28),0)","v":0},{"$f":"IF(K29=0,0,IF(K$11<$C$29+0.01,(((K$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(M28=$C$28,IF(M$11>$C$29,$C$29-$C$28,M$11-$C$28),0)","v":0},{"$f":"IF(M29=0,0,IF(M$11<$C$29+0.01,(((M$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(O28=$C$28,IF(O$11>$C$29,$C$29-$C$28,O$11-$C$28),0)","v":0},{"$f":"IF(O29=0,0,IF(O$11<$C$29+0.01,(((O$11-$C$28)*$E$29)+$D$29),0))","v":0},"This amount is reduced by 5 cents for each dollar over $37,500 up to $45,000."]
[null,45001,66667,325,-1.4999999999999999E-2,null,{"$f":"IF(G29+G28=$C$29,IF(G$11>$C$30,$C$30-$C$29,G$11-$C$29),0)","v":0},{"$f":"IF(G30=0,0,IF(G$11<$C$30+0.01,(((G$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(I29+I28=$C$29,IF(I$11>$C$30,$C$30-$C$29,I$11-$C$29),0)","v":0},{"$f":"IF(I30=0,0,IF(I$11<$C$30+0.01,(((I$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(K29+K28=$C$29,IF(K$11>$C$30,$C$30-$C$29,K$11-$C$29),0)","v":0},{"$f":"IF(K30=0,0,IF(K$11<$C$30+0.01,(((K$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(M29+M28=$C$29,IF(M$11>$C$30,$C$30-$C$29,M$11-$C$29),0)","v":0},{"$f":"IF(M30=0,0,IF(M$11<$C$30+0.01,(((M$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(O29+O28=$C$29,IF(O$11>$C$30,$C$30-$C$29,O$11-$C$29),0)","v":0},{"$f":"IF(O30=0,0,IF(O$11<$C$30+0.01,(((O$11-$C$29)*$E$30)+$D$30),0))","v":0},"This amount is reduced by 1.55 cents for each dollar over $45,000 up to $66,667"]
[null,66668,100000000,null,null,null,{"$f":"IF(G29+G28=$C$29,IF(G$11>$C$31,$C$31-$C$29,G$11-$C$29),0)","v":0},{"$f":"IF(G31=0,0,IF(G$11<$C$31+0.01,(((G$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(I29+I28=$C$29,IF(I$11>$C$31,$C$31-$C$29,I$11-$C$29),0)","v":0},{"$f":"IF(I31=0,0,IF(I$11<$C$31+0.01,(((I$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(K29+K28=$C$29,IF(K$11>$C$31,$C$31-$C$29,K$11-$C$29),0)","v":0},{"$f":"IF(K31=0,0,IF(K$11<$C$31+0.01,(((K$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(M29+M28=$C$29,IF(M$11>$C$31,$C$31-$C$29,M$11-$C$29),0)","v":0},{"$f":"IF(M31=0,0,IF(M$11<$C$31+0.01,(((M$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(O29+O28=$C$29,IF(O$11>$C$31,$C$31-$C$29,O$11-$C$29),0)","v":0},{"$f":"IF(O31=0,0,IF(O$11<$C$31+0.01,(((O$11-$C$29)*$E$31)+$D$31),0))","v":0}]
[null,null,null,null,"Low Income Tax Offset Totals:",null,null,{"$f":"SUM(H28:H31)","v":700},null,{"$f":"SUM(J28:J31)","v":700},null,{"$f":"SUM(L28:L31)","v":700},null,{"$f":"SUM(N28:N31)","v":700},null,{"$f":"SUM(P28:P31)","v":700}]
[]
[null,null,null,null,"Total Tax",null,null,{"$f":"IF(H17-H25-H32<0,0,H17-H25-H32)","v":0},null,{"$f":"IF(J17-J25-J32<0,0,J17-J25-J32)","v":0},null,{"$f":"IF(L17-L25-L32<0,0,L17-L25-L32)","v":0},null,{"$f":"IF(N17-N25-N32<0,0,N17-N25-N32)","v":0},null,{"$f":"IF(P17-P25-P32<0,0,P17-P25-P32)","v":0}]
[]
["Medicare Levy (Yearly)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"In 2018–19, you do not have to pay the Medicare levy if your taxable income is equal to or less than $22,398"]
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[null,null,null,null,"Medicare Levy Totals:",null,null,{"$f":"SUM(H37:H39)","v":0},null,{"$f":"SUM(J37:J39)","v":0},null,{"$f":"SUM(L37:L39)","v":0},null,{"$f":"SUM(N37:N39)","v":0},null,{"$f":"SUM(P37:P39)","v":0}]
[]
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[null,null,null,null,"HECS/HELP DEBT TOTALS:",null,{"$f":"SUM(G44:G62)","v":0},0,0,0,0,0,0,0,0,0]
[]
[null,null,null,null,"Total Tax If HECS/HELP Debt",null,null,{"$f":"H42+H63","v":0},null,{"$f":"J42+J63","v":0},null,{"$f":"L42+L63","v":0},null,{"$f":"N42+N63","v":0},null,{"$f":"P42+P63","v":0}]

{"sheet":"SMSF Tax Tables","index":12,"n_rows":36,"n_cols":19,"rows_kept":36,"cut":false,"hidden":true,"merged":[[32,0,32,3],[4,14,4,15],[4,16,4,17],[4,6,4,7],[4,8,4,9],[4,10,4,11],[4,12,4,13]]}
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[]
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[null,0,110000,null,0,null,{"$f":"IF(G11>$C$12,$C$12,G11)","v":0},{"$f":"$E$12*G12","v":0},{"$f":"IF(I11>$C$12,$C$12,I11)","v":0},{"$f":"$E$12*I12","v":0},{"$f":"IF(K11>$C$12,$C$12,K11)","v":0},{"$f":"$E$12*K12","v":0},{"$f":"IF(M11>$C$12,$C$12,M11)","v":0},{"$f":"$E$12*M12","v":0},{"$f":"IF(O11>$C$12,$C$12,O11)","v":0},{"$f":"$E$12*O12","v":0},{"$f":"IF(Q11>$C$12,$C$12,Q11)","v":0},{"$f":"$E$12*Q12","v":0}]
[null,110000.01,100000000,null,0.47,null,{"$f":"IF(G12=$C$12,IF(G$11>$C$13,$C$13-$C$12,G$11-$C$12),0)","v":0},{"$f":"$E$13*G13","v":0},{"$f":"IF(I12=$C$12,IF(I$11>$C$13,$C$13-$C$12,I$11-$C$12),0)","v":0},{"$f":"$E$13*I13","v":0},{"$f":"IF(K12=$C$12,IF(K$11>$C$13,$C$13-$C$12,K$11-$C$12),0)","v":0},{"$f":"$E$13*K13","v":0},{"$f":"IF(M12=$C$12,IF(M$11>$C$13,$C$13-$C$12,M$11-$C$12),0)","v":0},{"$f":"$E$13*M13","v":0},{"$f":"IF(O12=$C$12,IF(O$11>$C$13,$C$13-$C$12,O$11-$C$12),0)","v":0},{"$f":"$E$13*O13","v":0},{"$f":"IF(Q12=$C$12,IF(Q$11>$C$13,$C$13-$C$12,Q$11-$C$12),0)","v":0},{"$f":"$E$13*Q13","v":0}]
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[]
["Total Contributions",null,null,null,null,null,{"$f":"G9+G14","v":0},null,{"$f":"I9+I14","v":0},null,{"$f":"K9+K14","v":0},null,{"$f":"M9+M14","v":0},null,{"$f":"O9+O14","v":0},null,{"$f":"Q9+Q14","v":0}]
["Concessional Contribution Cap",null,null,null,27500]
["Non Concessional Contribution Cap",null,null,null,110000]
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[null,null,null,null,null,null,{"$f":"IF(G20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""},null,{"$f":"IF(I20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""},null,{"$f":"IF(K20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""},null,{"$f":"IF(M20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""},null,{"$f":"IF(O20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""},null,{"$f":"IF(Q20>0,\"Non Concessional Contribution Cap Exceeded\",\"\")","v":""}]
[]
["Investment Returns",null,null,null,null,null,{"$f":"SMSF!G25","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"G23*D3","v":0}]
[]
["Rental Income",null,null,null,null,null,{"$f":"SMSF!C22+SMSF!C23","v":0}]
["Rental Income (After Haircut)",null,null,null,null,null,{"$f":"G25*D1","v":0}]
[]
["Interest Expense",null,null,null,null,null,{"$f":"SMSF!G22+SMSF!G23","v":0}]
["Net",null,null,null,null,null,{"$f":"G26-G28","v":0}]
["Taxed",null,null,null,null,null,{"$f":"G29*D3","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"G30","v":0}]
[]
[]
["SMSF Ongoing Expenses (Annual)",null,null,null,null,null,{"$f":"-SMSF!C35","v":-2500},null,null,null,null,null,null,null,null,null,null,null,{"$f":"G33*D3","v":-375}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total Tax",null,null,null,null,null,{"$f":"S15+S23+S30+S33","v":-375}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tax used in Calculation",null,null,null,null,null,{"$f":"IF(S35>0,S35,0)","v":0}]

{"sheet":"Resi SMSF Tax Tables","index":13,"n_rows":92,"n_cols":19,"rows_kept":92,"cut":false,"hidden":true,"merged":[[5,16,5,17],[5,6,5,7],[5,8,5,9],[5,10,5,11],[5,12,5,13],[5,14,5,15]]}
["Rental Income Allowable %",null,null,0.8]
["Company Tax Rate %",null,null,0.27500000000000002]
["SMSF Investment Returns",null,null,0.03]
["SMSF Contributions Tax",null,null,0.15]
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[]
["Gross Annual Income",null,null,null,null,null,{"$f":"'Residential SMSF'!C15","v":0},null,{"$f":"'Residential SMSF'!E15","v":0},null,{"$f":"'Residential SMSF'!G15","v":0},null,{"$f":"'Residential SMSF'!I15","v":0},null,{"$f":"'Residential SMSF'!K15","v":0},null,{"$f":"'Residential SMSF'!M15","v":0}]
[]
["Gross Taxable Income",null,null,null,"Tax Rate",null,{"$f":"G7+G9","v":0},null,{"$f":"I7+I9","v":0},null,{"$f":"K7+K9","v":0},null,{"$f":"M7+M9","v":0},null,{"$f":"O7+O9","v":0},null,{"$f":"Q7+Q9","v":0}]
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[null,18201,45000,null,0.19,null,{"$f":"IF(G12=$C$12,IF(G$11>$C$13,$C$13-$C$12,G$11-$C$12),0)","v":0},{"$f":"$E$13*G13","v":0},{"$f":"IF(I12=$C$12,IF(I$11>$C$13,$C$13-$C$12,I$11-$C$12),0)","v":0},{"$f":"$E$13*I13","v":0},{"$f":"IF(K12=$C$12,IF(K$11>$C$13,$C$13-$C$12,K$11-$C$12),0)","v":0},{"$f":"$E$13*K13","v":0},{"$f":"IF(M12=$C$12,IF(M$11>$C$13,$C$13-$C$12,M$11-$C$12),0)","v":0},{"$f":"$E$13*M13","v":0},{"$f":"IF(O12=$C$12,IF(O$11>$C$13,$C$13-$C$12,O$11-$C$12),0)","v":0},{"$f":"$E$13*O13","v":0},{"$f":"IF(Q12=$C$12,IF(Q$11>$C$13,$C$13-$C$12,Q$11-$C$12),0)","v":0},{"$f":"$E$13*Q13","v":0}]
[null,45001,120000,null,0.32500000000000001,null,{"$f":"IF(G13+G12=$C$13,IF(G$11>$C$14,$C$14-$C$13,G$11-$C$13),0)","v":0},{"$f":"$E$14*G14","v":0},{"$f":"IF(I13+I12=$C$13,IF(I$11>$C$14,$C$14-$C$13,I$11-$C$13),0)","v":0},{"$f":"$E$14*I14","v":0},{"$f":"IF(K13+K12=$C$13,IF(K$11>$C$14,$C$14-$C$13,K$11-$C$13),0)","v":0},{"$f":"$E$14*K14","v":0},{"$f":"IF(M13+M12=$C$13,IF(M$11>$C$14,$C$14-$C$13,M$11-$C$13),0)","v":0},{"$f":"$E$14*M14","v":0},{"$f":"IF(O13+O12=$C$13,IF(O$11>$C$14,$C$14-$C$13,O$11-$C$13),0)","v":0},{"$f":"$E$14*O14","v":0},{"$f":"IF(Q13+Q12=$C$13,IF(Q$11>$C$14,$C$14-$C$13,Q$11-$C$13),0)","v":0},{"$f":"$E$14*Q14","v":0}]
[null,120001,180000,null,0.37,null,{"$f":"IF(G14+G13+G12=$C$14,IF(G$11>$C$15,$C$15-$C$14,G$11-$C$14),0)","v":0},{"$f":"$E$15*G15","v":0},{"$f":"IF(I14+I13+I12=$C$14,IF(I$11>$C$15,$C$15-$C$14,I$11-$C$14),0)","v":0},{"$f":"$E$15*I15","v":0},{"$f":"IF(K14+K13+K12=$C$14,IF(K$11>$C$15,$C$15-$C$14,K$11-$C$14),0)","v":0},{"$f":"$E$15*K15","v":0},{"$f":"IF(M14+M13+M12=$C$14,IF(M$11>$C$15,$C$15-$C$14,M$11-$C$14),0)","v":0},{"$f":"$E$15*M15","v":0},{"$f":"IF(O14+O13+O12=$C$14,IF(O$11>$C$15,$C$15-$C$14,O$11-$C$14),0)","v":0},{"$f":"$E$15*O15","v":0},{"$f":"IF(Q14+Q13+Q12=$C$14,IF(Q$11>$C$15,$C$15-$C$14,Q$11-$C$14),0)","v":0},{"$f":"$E$15*Q15","v":0}]
[null,180001,100000000,null,0.45,null,{"$f":"IF(G15+G14+G13+G12=$C$15,IF(G$11>$C$16,$C$16-$C$15,G$11-$C$15),0)","v":0},{"$f":"$E$16*G16","v":0},{"$f":"IF(I15+I14+I13+I12=$C$15,IF(I$11>$C$16,$C$16-$C$15,I$11-$C$15),0)","v":0},{"$f":"$E$16*I16","v":0},{"$f":"IF(K15+K14+K13+K12=$C$15,IF(K$11>$C$16,$C$16-$C$15,K$11-$C$15),0)","v":0},{"$f":"$E$16*K16","v":0},{"$f":"IF(M15+M14+M13+M12=$C$15,IF(M$11>$C$16,$C$16-$C$15,M$11-$C$15),0)","v":0},{"$f":"$E$16*M16","v":0},{"$f":"IF(O15+O14+O13+O12=$C$15,IF(O$11>$C$16,$C$16-$C$15,O$11-$C$15),0)","v":0},{"$f":"$E$16*O16","v":0},{"$f":"IF(Q15+Q14+Q13+Q12=$C$15,IF(Q$11>$C$16,$C$16-$C$15,Q$11-$C$15),0)","v":0},{"$f":"$E$16*Q16","v":0}]
[null,null,null,null,"Taxable IncomeTotals:",null,{"$f":"SUM(G12:G16)","v":0},{"$f":"SUM(H12:H16)","v":0},0,0,0,0,0,0,0,0,0,0]
[]
["Low & Middle Income Tax Offset table",null,null,"Tax Offset","Tax Offset %"]
[null,0,37000,0,null,null,{"$f":"IF(G$11>$C$20,$C$20,G$11)","v":0},{"$f":"IF(G$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(I$11>$C$20,$C$20,I$11)","v":0},{"$f":"IF(I$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(K$11>$C$20,$C$20,K$11)","v":0},{"$f":"IF(K$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(M$11>$C$20,$C$20,M$11)","v":0},{"$f":"IF(M$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(O$11>$C$20,$C$20,O$11)","v":0},{"$f":"IF(O$11<$C$20+0.01,$D$20,0)","v":0},{"$f":"IF(Q$11>$C$20,$C$20,Q$11)","v":0},{"$f":"IF(Q$11<$C$20+0.01,$D$20,0)","v":0},"does not exceed $37,000, you will be entitled to an offset amount of $255 on your tax payable."]
[null,37001,48000,0,7.4999999999999997E-2,null,{"$f":"IF(G20=$C$20,IF(G$11>$C$21,$C$21-$C$20,G$11-$C$20),0)","v":0},{"$f":"IF(G21=0,0,IF(G$11<$C$21+0.01,(((G$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(I20=$C$20,IF(I$11>$C$21,$C$21-$C$20,I$11-$C$20),0)","v":0},{"$f":"IF(I21=0,0,IF(I$11<$C$21+0.01,(((I$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(K20=$C$20,IF(K$11>$C$21,$C$21-$C$20,K$11-$C$20),0)","v":0},{"$f":"IF(K21=0,0,IF(K$11<$C$21+0.01,(((K$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(M20=$C$20,IF(M$11>$C$21,$C$21-$C$20,M$11-$C$20),0)","v":0},{"$f":"IF(M21=0,0,IF(M$11<$C$21+0.01,(((M$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(O20=$C$20,IF(O$11>$C$21,$C$21-$C$20,O$11-$C$20),0)","v":0},{"$f":"IF(O21=0,0,IF(O$11<$C$21+0.01,(((O$11-$C$20)*$E$21)+$D$21),0))","v":0},{"$f":"IF(Q20=$C$20,IF(Q$11>$C$21,$C$21-$C$20,Q$11-$C$20),0)","v":0},{"$f":"IF(Q21=0,0,IF(Q$11<$C$21+0.01,(((Q$11-$C$20)*$E$21)+$D$21),0))","v":0},"exceeds $37,000 but is not more than $48,000, you will be entitled to an offset amount of $255, plus 7.5% of the excess above $37,000 to a maximum offset of $1,080 on your tax payable."]
[null,48001,90000,0,null,null,{"$f":"IF(G21+G20=$C$21,IF(G$11>$C$22,$C$22-$C$21,G$11-$C$21),0)","v":0},{"$f":"IF(G22=0,0,IF(G$11<$C$22+0.01,(((G$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(I21+I20=$C$21,IF(I$11>$C$22,$C$22-$C$21,I$11-$C$21),0)","v":0},{"$f":"IF(I22=0,0,IF(I$11<$C$22+0.01,(((I$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(K21+K20=$C$21,IF(K$11>$C$22,$C$22-$C$21,K$11-$C$21),0)","v":0},{"$f":"IF(K22=0,0,IF(K$11<$C$22+0.01,(((K$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(M21+M20=$C$21,IF(M$11>$C$22,$C$22-$C$21,M$11-$C$21),0)","v":0},{"$f":"IF(M22=0,0,IF(M$11<$C$22+0.01,(((M$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(O21+O20=$C$21,IF(O$11>$C$22,$C$22-$C$21,O$11-$C$21),0)","v":0},{"$f":"IF(O22=0,0,IF(O$11<$C$22+0.01,(((O$11-$C$21)*$E$22)+$D$22),0))","v":0},{"$f":"IF(Q21+Q20=$C$21,IF(Q$11>$C$22,$C$22-$C$21,Q$11-$C$21),0)","v":0},{"$f":"IF(Q22=0,0,IF(Q$11<$C$22+0.01,(((Q$11-$C$21)*$E$22)+$D$22),0))","v":0},"exceeds $48,000 but is not more than $90,000, you will be entitled to the maximum offset amount of $1,080 on your tax payable."]
[null,90001,126000,0,-0.03,null,{"$f":"IF(G22+G21+G20=$C$22,IF(G$11>$C$23,$C$23-$C$22,G$11-$C$22),0)","v":0},{"$f":"IF(G23=0,0,IF(G$11<$C$23+0.01,(((G$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(I22+I21+I20=$C$22,IF(I$11>$C$23,$C$23-$C$22,I$11-$C$22),0)","v":0},{"$f":"IF(I23=0,0,IF(I$11<$C$23+0.01,(((I$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(K22+K21+K20=$C$22,IF(K$11>$C$23,$C$23-$C$22,K$11-$C$22),0)","v":0},{"$f":"IF(K23=0,0,IF(K$11<$C$23+0.01,(((K$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(M22+M21+M20=$C$22,IF(M$11>$C$23,$C$23-$C$22,M$11-$C$22),0)","v":0},{"$f":"IF(M23=0,0,IF(M$11<$C$23+0.01,(((M$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(O22+O21+O20=$C$22,IF(O$11>$C$23,$C$23-$C$22,O$11-$C$22),0)","v":0},{"$f":"IF(O23=0,0,IF(O$11<$C$23+0.01,(((O$11-$C$22)*$E$23)+$D$23),0))","v":0},{"$f":"IF(Q22+Q21+Q20=$C$22,IF(Q$11>$C$23,$C$23-$C$22,Q$11-$C$22),0)","v":0},{"$f":"IF(Q23=0,0,IF(Q$11<$C$23+0.01,(((Q$11-$C$22)*$E$23)+$D$23),0))","v":0},"exceeds $90,000 but is not more than $126,000, you will be entitled to an offset amount $1,080 less 3% of your taxable income above $90,000."]
[null,126001,100000000,null,null,null,{"$f":"IF(G23+G22+G21+G20=$C$23,IF(G$11>$C$24,$C$24-$C$23,G$11-$C$23),0)","v":0},null,{"$f":"IF(I23+I22+I21+I20=$C$23,IF(I$11>$C$24,$C$24-$C$23,I$11-$C$23),0)","v":0},null,{"$f":"IF(K23+K22+K21+K20=$C$23,IF(K$11>$C$24,$C$24-$C$23,K$11-$C$23),0)","v":0},null,{"$f":"IF(M23+M22+M21+M20=$C$23,IF(M$11>$C$24,$C$24-$C$23,M$11-$C$23),0)","v":0},null,{"$f":"IF(O23+O22+O21+O20=$C$23,IF(O$11>$C$24,$C$24-$C$23,O$11-$C$23),0)","v":0},null,{"$f":"IF(Q23+Q22+Q21+Q20=$C$23,IF(Q$11>$C$24,$C$24-$C$23,Q$11-$C$23),0)","v":0}]
[null,null,null,null,"Low & Middle Income Tax Offse Totals:",null,{"$f":"SUM(G19:G24)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[]
["Low Income Tax Offset",null,null,"Tax Offset","Tax Offset %"]
[null,0,37500,700,null,null,{"$f":"IF(G$11>$C$28,$C$28,G$11)","v":0},{"$f":"IF(G$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(I$11>$C$28,$C$28,I$11)","v":0},{"$f":"IF(I$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(K$11>$C$28,$C$28,K$11)","v":0},{"$f":"IF(K$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(M$11>$C$28,$C$28,M$11)","v":0},{"$f":"IF(M$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(O$11>$C$28,$C$28,O$11)","v":0},{"$f":"IF(O$11<$C$28+0.01,$D$28,0)","v":700},{"$f":"IF(Q$11>$C$28,$C$28,Q$11)","v":0},{"$f":"IF(Q$11<$C$28+0.01,$D$28,0)","v":700},"The maximum tax offset of $700 applies if your taxable income is $37,500 or less. \\"]
[null,37501,45000,700,-0.05,null,{"$f":"IF(G28=$C$28,IF(G$11>$C$29,$C$29-$C$28,G$11-$C$28),0)","v":0},{"$f":"IF(G29=0,0,IF(G$11<$C$29+0.01,(((G$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(I28=$C$28,IF(I$11>$C$29,$C$29-$C$28,I$11-$C$28),0)","v":0},{"$f":"IF(I29=0,0,IF(I$11<$C$29+0.01,(((I$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(K28=$C$28,IF(K$11>$C$29,$C$29-$C$28,K$11-$C$28),0)","v":0},{"$f":"IF(K29=0,0,IF(K$11<$C$29+0.01,(((K$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(M28=$C$28,IF(M$11>$C$29,$C$29-$C$28,M$11-$C$28),0)","v":0},{"$f":"IF(M29=0,0,IF(M$11<$C$29+0.01,(((M$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(O28=$C$28,IF(O$11>$C$29,$C$29-$C$28,O$11-$C$28),0)","v":0},{"$f":"IF(O29=0,0,IF(O$11<$C$29+0.01,(((O$11-$C$28)*$E$29)+$D$29),0))","v":0},{"$f":"IF(Q28=$C$28,IF(Q$11>$C$29,$C$29-$C$28,Q$11-$C$28),0)","v":0},{"$f":"IF(Q29=0,0,IF(Q$11<$C$29+0.01,(((Q$11-$C$28)*$E$29)+$D$29),0))","v":0},"This amount is reduced by 5 cents for each dollar over $37,500 up to $45,000."]
[null,45001,66667,325,-1.4999999999999999E-2,null,{"$f":"IF(G29+G28=$C$29,IF(G$11>$C$30,$C$30-$C$29,G$11-$C$29),0)","v":0},{"$f":"IF(G30=0,0,IF(G$11<$C$30+0.01,(((G$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(I29+I28=$C$29,IF(I$11>$C$30,$C$30-$C$29,I$11-$C$29),0)","v":0},{"$f":"IF(I30=0,0,IF(I$11<$C$30+0.01,(((I$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(K29+K28=$C$29,IF(K$11>$C$30,$C$30-$C$29,K$11-$C$29),0)","v":0},{"$f":"IF(K30=0,0,IF(K$11<$C$30+0.01,(((K$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(M29+M28=$C$29,IF(M$11>$C$30,$C$30-$C$29,M$11-$C$29),0)","v":0},{"$f":"IF(M30=0,0,IF(M$11<$C$30+0.01,(((M$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(O29+O28=$C$29,IF(O$11>$C$30,$C$30-$C$29,O$11-$C$29),0)","v":0},{"$f":"IF(O30=0,0,IF(O$11<$C$30+0.01,(((O$11-$C$29)*$E$30)+$D$30),0))","v":0},{"$f":"IF(Q29+Q28=$C$29,IF(Q$11>$C$30,$C$30-$C$29,Q$11-$C$29),0)","v":0},{"$f":"IF(Q30=0,0,IF(Q$11<$C$30+0.01,(((Q$11-$C$29)*$E$30)+$D$30),0))","v":0},"This amount is reduced by 1.55 cents for each dollar over $45,000 up to $66,667"]
[null,66668,100000000,null,null,null,{"$f":"IF(G29+G28+G30=$C$30,IF(G$11>$C$31,$C$31-$C$30,G$11-$C$30),0)","v":0},{"$f":"IF(G31=0,0,IF(G$11<$C$31+0.01,(((G$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(I29+I28+I30=$C$30,IF(I$11>$C$31,$C$31-$C$30,I$11-$C$30),0)","v":0},{"$f":"IF(I31=0,0,IF(I$11<$C$31+0.01,(((I$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(K29+K28+K30=$C$30,IF(K$11>$C$31,$C$31-$C$30,K$11-$C$30),0)","v":0},{"$f":"IF(K31=0,0,IF(K$11<$C$31+0.01,(((K$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(M29+M28+M30=$C$30,IF(M$11>$C$31,$C$31-$C$30,M$11-$C$30),0)","v":0},{"$f":"IF(M31=0,0,IF(M$11<$C$31+0.01,(((M$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(O29+O28+O30=$C$30,IF(O$11>$C$31,$C$31-$C$30,O$11-$C$30),0)","v":0},{"$f":"IF(O31=0,0,IF(O$11<$C$31+0.01,(((O$11-$C$29)*$E$31)+$D$31),0))","v":0},{"$f":"IF(Q29+Q28+Q30=$C$30,IF(Q$11>$C$31,$C$31-$C$30,Q$11-$C$30),0)","v":0},{"$f":"IF(Q31=0,0,IF(Q$11<$C$31+0.01,(((Q$11-$C$29)*$E$31)+$D$31),0))","v":0}]
[null,null,null,null,"Low Income Tax Offset Totals:",null,null,{"$f":"SUM(H28:H31)","v":700},null,{"$f":"SUM(J28:J31)","v":700},null,{"$f":"SUM(L28:L31)","v":700},null,{"$f":"SUM(N28:N31)","v":700},null,{"$f":"SUM(P28:P31)","v":700},null,{"$f":"SUM(R28:R31)","v":700}]
[]
[null,null,null,null,"Total Tax",null,null,{"$f":"IF(H17-H25-H32<0,0,H17-H25-H32)","v":0},null,{"$f":"IF(J17-J25-J32<0,0,J17-J25-J32)","v":0},null,{"$f":"IF(L17-L25-L32<0,0,L17-L25-L32)","v":0},null,{"$f":"IF(N17-N25-N32<0,0,N17-N25-N32)","v":0},null,{"$f":"IF(P17-P25-P32<0,0,P17-P25-P32)","v":0},null,{"$f":"IF(R17-R25-R32<0,0,R17-R25-R32)","v":0}]
[]
["Medicare Levy (Yearly)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"In 2018–19, you do not have to pay the Medicare levy if your taxable income is equal to or less than $22,398"]
[null,0,24276,0,0,null,{"$f":"IF(G$11>$C$37,$C$37,G$11)","v":0},{"$f":"IF(G$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(I$11>$C$37,$C$37,I$11)","v":0},{"$f":"IF(I$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(K$11>$C$37,$C$37,K$11)","v":0},{"$f":"IF(K$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(M$11>$C$37,$C$37,M$11)","v":0},{"$f":"IF(M$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(O$11>$C$37,$C$37,O$11)","v":0},{"$f":"IF(O$11<$C$37+0.01,$D$37,0)","v":0},{"$f":"IF(Q$11>$C$37,$C$37,Q$11)","v":0},{"$f":"IF(Q$11<$C$37+0.01,$D$37,0)","v":0},"You will pay only part of the Medicare levy if your taxable income is between $22,398 and $27,997 "]
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[null,null,null,null,"Medicare Levy Totals:",null,null,{"$f":"SUM(H37:H39)","v":0},null,{"$f":"SUM(J37:J39)","v":0},null,{"$f":"SUM(L37:L39)","v":0},null,{"$f":"SUM(N37:N39)","v":0},null,{"$f":"SUM(P37:P39)","v":0},null,{"$f":"SUM(R37:R39)","v":0}]
[]
[null,null,null,null,"Total Tax",null,null,{"$f":"H34+H40","v":0},null,{"$f":"J34+J40","v":0},null,{"$f":"L34+L40","v":0},null,{"$f":"N34+N40","v":0},null,{"$f":"P34+P40","v":0},null,{"$f":"R34+R40","v":0}]
["HECS/HELP Debt",null,null,null,null,null,{"$f":"IF(G7>0,G7+G9,G9)","v":0},null,{"$f":"IF(I7>0,I7+I9,I9)","v":0},null,{"$f":"IF(K7>0,K7+K9,K9)","v":0},null,{"$f":"IF(M7>0,M7+M9,M9)","v":0},null,{"$f":"IF(O7>0,O7+O9,O9)","v":0},null,{"$f":"IF(Q7>0,Q7+Q9,Q9)","v":0}]
[null,0,51550,null,0,null,{"$f":"IF(G$43>$C44,0,IF(G$43<$B44,0,G$43))","v":0},{"$f":"$E44*G44","v":0},{"$f":"IF(I$43>$C44,0,IF(I$43<$B44,0,I$43))","v":0},{"$f":"$E44*I44","v":0},{"$f":"IF(K$43>$C44,0,IF(K$43<$B44,0,K$43))","v":0},{"$f":"$E44*K44","v":0},{"$f":"IF(M$43>$C44,0,IF(M$43<$B44,0,M$43))","v":0},{"$f":"$E44*M44","v":0},{"$f":"IF(O$43>$C44,0,IF(O$43<$B44,0,O$43))","v":0},{"$f":"$E44*O44","v":0},{"$f":"IF(Q$43>$C44,0,IF(Q$43<$B44,0,Q$43))","v":0},{"$f":"$E44*Q44","v":0}]
[null,{"$f":"C44+0.01","v":51550.01},59518,null,0.01,null,0,{"$f":"$E45*G45","v":0},0,0,0,{"$f":"$E45*K45","v":0},0,{"$f":"$E45*M45","v":0},0,{"$f":"$E45*O45","v":0},0,{"$f":"$E45*Q45","v":0}]
[null,59518.01,63089,null,0.02,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,63089.01,66875,null,2.5000000000000001E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,66875.009999999995,70888,null,0.03,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,70888.009999999995,75140,null,3.5000000000000003E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,75140.009999999995,79649,null,0.04,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,79649.009999999995,84429,null,4.4999999999999998E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,84429.01,89494,null,0.05,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,89494.01,94865,null,5.5E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,94865.01,100557,null,0.06,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,100557.01,106590,null,6.5000000000000002E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,106590.01,112985,null,7.0000000000000007E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,112985.01,119764,null,7.4999999999999997E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,119764.01,126950,null,0.08,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,126950.01,134568,null,8.5000000000000006E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,134568.01,142642,null,0.09,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,142642.01,151200,null,9.5000000000000001E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,151200.01,100000000,null,9.9999999999999895E-2,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,"HECS/HELP DEBT TOTALS:",null,{"$f":"SUM(G44:G62)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,null,"Total Tax If HECS/HELP Debt",null,null,{"$f":"H42+H63","v":0},null,{"$f":"J42+J63","v":0},null,{"$f":"L42+L63","v":0},null,{"$f":"N42+N63","v":0},null,{"$f":"P42+P63","v":0},null,{"$f":"R42+R63","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,52974,56151,0.02]
[null,null,56152,59521,2.5000000000000001E-2]
[null,null,59522,63092,0.03]
[null,null,63093,66877,3.5000000000000003E-2]
[null,null,66878,70890,0.04]
[null,null,70891,75144,4.4999999999999998E-2]
[null,null,75145,79652,0.05]
[null,null,79653,84432,5.5E-2]
[null,null,84433,89498,0.06]
[null,null,89499,94868,6.5000000000000002E-2]
[null,null,94869,100560,7.0000000000000007E-2]
[null,null,100561,106593,7.4999999999999997E-2]
[null,null,106594,112989,0.08]
[null,null,112990,119769,8.5000000000000006E-2]
[null,null,119770,126955,0.09]
[null,null,126956,134572,9.5000000000000001E-2]
[null,null,134573,null,0.1]

{"sheet":"HEM","index":14,"n_rows":37,"n_cols":16,"rows_kept":37,"cut":false,"hidden":true,"merged":[]}
["Credit Cards",null,3.7999999999999999E-2]
[]
["Combined Couple Gross Income",null,{"$f":"B4","v":0},22000,33000,44000,55000,66000,87000,109000,131000,153000,175000,218000,273000,328000]
["HEM 2019Q4",null,22000,33000,44000,55000,66000,87000,109000,131000,153000,175000,218000,273000,328000,9999999]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
["Elixir - Proposed"]
["Single","IS0",{"$f":"C30","v":293.84495491326561},{"$f":"D30","v":310.88818989722125},326.22551646503047,346.17642052081828,383.93057743905507,442.88147325127164,522.78991729981658,595.49507622743295,683.63454798778525,722.24100411316215,770.58813594605601,899.44473514849903,1013.0151808842029,1079.2924189644859]
["Couple","IC0",{"$f":"C22","v":577.37112077691938},{"$f":"D22","v":577.37112077691938},592.80248923866702,612.87570230653466,650.86135184334967,710.17364568731784,790.57201488953683,863.72292660011283,952.40274124712857,991.24596645826273,1039.8894757354115,1169.5360345429374,1283.8028509591607,1350.4863582094147]
["Single parent with 1 child  (per child)","IS1",{"$f":"IF(C31-C30<0,0,C31-C30)","v":111.31521615547319},{"$f":"IF(D31-D30<0,0,D31-D30)","v":111.31521615547319},111.46490098727782,111.6595967125167,112.02804275942788,112.6033661825258,113.38320938171921,114.09275421657458,114.95288847316681,115.32965694379345,115.80152396517065,117.05900654391598,118.16736424992428,118.8141776623695]
["Single parent with 2 children  (per child)","IS2",{"$f":"IF(C32-C30<0,0,C32-C30)/2","v":106.95068498382554},{"$f":"IF(D32-D30<0,0,D32-D30)/2","v":106.95068498382554},106.98636709827983,107.03275853541692,107.12054056823538,107.2576225382937,107.44341813847961,107.61247798661964,107.81741766462608,107.90719775116992,108.01963690388061,108.31923676531443,108.58331984542144,108.73743297811052]
["Single parent with 3 children  (per child)","IS3",{"$f":"IF(C33-C30<0,0,C33-C30)/3","v":105.49584125994299},{"$f":"IF(D33-D30<0,0,D33-D30)/3","v":105.49584125994301},105.49352246861382,105.49047914305031,105.48470650450453,105.47570799021634,105.46348772406641,105.45238590996799,105.4389273951125,105.43304468696211,105.42567455011731,105.4059801724472,105.38863837725383,105.37851808335752]
["Single parent with 4 or more children  (per child)","IS4",{"$f":"IF(C33-C30<0,0,C33-C30)/3","v":105.49584125994299},{"$f":"IF(D33-D30<0,0,D33-D30)/3","v":105.49584125994301},{"$f":"IF(E33-E30<0,0,E33-E30)/3","v":105.49352246861382},105.49047914305031,105.48470650450453,105.47570799021634,105.46348772406641,105.45238590996799,105.4389273951125,105.43304468696211,105.42567455011731,105.4059801724472,105.38863837725383,105.37851808335752]
["Couple with 1 child (per child)","IC1",{"$f":"IF(C23-C22<0,0,C23-C22)","v":91.562444994398902},{"$f":"IF(D23-D22<0,0,D23-D22)","v":91.562444994398902},91.562444994398902,91.619375436486507,91.727090441255768,91.895290213326575,92.123255344055792,92.330687648093203,92.582229359564849,92.692301705349109,92.830257566502496,93.19789323603959,93.521916935128957,93.711009773847536]
["Couple with 2 children  (per child)","IC2",{"$f":"IF(C24-C22<0,0,C24-C22)/2","v":80.325925592171245},{"$f":"IF(D24-D22<0,0,D24-D22)/2","v":80.325925592171245},69.089406189943588,80.336616583975854,80.356888051017791,80.388505019825743,80.431399593223773,80.470410555406204,80.517693700744132,80.538380694765465,80.564359166919189,80.633498934072577,80.694399605406261,80.729998705139906]
["Couple with 3 children  (per child)","IC3",{"$f":"IF(C25-C22<0,0,C25-C22)/3","v":76.580419124762031},{"$f":"IF(D25-D22<0,0,D25-D22)/3","v":76.580419124762031},69.089406189943588,76.954106385814271,76.956066557802771,76.959162047301035,76.963324661618387,76.967117112961319,76.971728339681292,76.973745422388376,76.976265233332015,76.982997625670052,76.988931366190471,76.992406539618514]
["Couple with 4 or more children  (per child)","IC4",{"$f":"IF(C25-C22<0,0,C25-C22)/3","v":76.580419124762031},{"$f":"IF(D25-D22<0,0,D25-D22)/3","v":76.580419124762031},{"$f":"E15","v":69.089406189943588},{"$f":"IF(F25-F22<0,0,F25-F22)/3","v":76.954106385814271},76.956066557802771,76.959162047301035,76.963324661618387,76.967117112961319,76.971728339681292,76.973745422388376,76.976265233332015,76.982997625670052,76.988931366190471,76.992406539618514]
[]
[]
["Australia",null,0,25000,38000,50000,63000,76000,101000,126000,151000,176000,202000,252000,315000,378000]
[null,0,25000,38000,50000,63000,76000,101000,126000,151000,176000,202000,252000,315000,378000,9999999]
[null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15]
["Couple","IC0",{"$f":"D22","v":577.37112077691938},577.37112077691938,592.80248923866702,612.87570230653466,650.86135184334967,710.17364568731784,790.57201488953683,863.72292660011283,952.40274124712857,991.24596645826273,1039.8894757354115,1169.5360345429374,1283.8028509591607,1350.4863582094147]
["Couple with 1 child","IC1",668.93356577131829,{"$f":"D22+(E23-E22)","v":668.93356577131829},684.36493423306592,704.49507774302117,742.58844228460543,802.06893590064442,882.69527023359262,956.05361424820603,1044.9849706066934,1083.9382681636118,1132.7197333019139,1262.733927778977,1377.3247678942896,1444.1973679832622]
["Couple with 2 children","IC2",738.02297196126187,{"$f":"D23+(E24-E23)","v":738.02297196126187},753.45434042300951,773.54893547448637,811.57512794538525,870.95065572696933,951.43481407598438,1024.6637477109252,1113.4381286486168,1152.3227278477937,1201.0181940692498,1330.8030324110825,1445.1916501699732,1511.9463556196945]
["Couple with 3 children","IC3",807.11237815120546,{"$f":"D24+(D24-D23)","v":807.11237815120546},822.5437466129531,843.73802146397747,881.72955151675797,941.05113182922094,1021.461988874392,1094.6242779389968,1183.3179262661724,1222.1672027254278,1270.8182714354075,1400.4850274199475,1514.7696450577321,1581.4635778282702]
["Couple with 4 children","IC4",876.20178434114905,876.20178434114905,891.63315280289669,{"$f":"F25+(F25-F24)","v":913.92710745346858},{"$f":"G25+(G25-G24)","v":951.88397508813068},{"$f":"H25+(H25-H24)","v":1011.1516079314725},{"$f":"I25+(I25-I24)","v":1091.4891636727996},{"$f":"J25+(J25-J24)","v":1164.5848081670683},{"$f":"K25+(K25-K24)","v":1253.197723883728},{"$f":"L25+(L25-L24)","v":1292.011677603062},{"$f":"M25+(M25-M24)","v":1340.6183488015652},{"$f":"N25+(N25-N24)","v":1470.1670224288125},{"$f":"O25+(O25-O24)","v":1584.347639945491},{"$f":"P25+(P25-P24)","v":1650.9808000368459}]
["Couple with 5 children","IC5",945.29119053109264,945.29119053109264,960.72255899284028,{"$f":"F26+(F26-F25)","v":984.11619344295968},1022.0383986595034,1081.2520840337243,1161.5163384712073,1234.5453383951399,1323.0775215012836,1361.8561524806962,1410.4184261677228,1539.8490174376775,1653.9256348332499,1720.4980222454217]
["Couple with 6 children","IC6",1014.3805967210362,1014.3805967210362,1029.8119651827838,{"$f":"F27+(F27-F26)","v":1054.3052794324508},1092.1928222308761,1151.3525601359761,1231.543513269615,1304.5058686232114,1392.9573191188392,1431.7006273583304,1480.2185035338805,1609.5310124465425,1723.5036297210088,1790.0152444539974]
["Couple with 7 children","IC7",1083.4700029109799,1083.4700029109799,1098.9013713727272,{"$f":"F28+(F28-F27)","v":1124.4943654219419},1162.3472458022488,1221.4530362382279,1301.5706880680227,1374.466398851283,1462.8371167363948,1501.5451022359646,1550.0185809000382,1679.2130074554075,1793.0816246087677,1859.5324666625731]
["Single person","IS0",293.84495491326561,310.88818989722125,326.22551646503047,346.17642052081828,383.93057743905507,442.88147325127164,522.78991729981658,595.49507622743295,683.63454798778525,722.24100411316215,770.58813594605601,899.44473514849903,1013.0151808842029,1079.2924189644859]
["Single parent with 1 child","IS1",{"$f":"C30+(D31-D30)","v":405.1601710687388},422.20340605269445,437.69041745230828,457.83601723333499,495.95862019848295,555.48483943379745,636.17312668153579,709.58783044400752,798.58743646095206,837.5706610569556,886.38965991122666,1016.503741692415,1131.1825451341272,1198.1065966268554]
["Single parent with 2 children","IS2",{"$f":"C31+(D32-D31)","v":507.74632488091669},524.78955986487233,540.19825066159012,560.24193759165212,598.17165857552584,657.39671832785905,737.67675357677581,810.72003220067222,899.26938331703741,938.05539961550198,986.62740975381723,1116.0832086791279,1230.1818205750458,1296.767284920707]
["Single parent with 3 children","IS3",{"$f":"C32+(C32-C31)","v":610.33247869309457},627.37571367705027,642.70608387087191,662.64785794996919,700.38469695256867,759.30859722192065,839.18038047201583,911.85223395733692,999.95133017312276,1038.5401381740485,1086.8651595964079,1215.6626756658407,1329.1810960159644,1395.4279732145585]
["Single parent with 4 children","IS4",712.9186325052724,729.96186748922821,{"$f":"E33+(E33-E32)","v":745.21391708015369},{"$f":"F33+(F33-F32)","v":765.05377830828627},{"$f":"G33+(G33-G32)","v":802.59773532961151},{"$f":"H33+(H33-H32)","v":861.22047611598225},{"$f":"I33+(I33-I32)","v":940.68400736725584},{"$f":"J33+(J33-J32)","v":1012.9844357140016},{"$f":"K33+(K33-K32)","v":1100.6332770292081},{"$f":"L33+(L33-L32)","v":1139.024876732595},{"$f":"M33+(M33-M32)","v":1187.1029094389987},{"$f":"N33+(N33-N32)","v":1315.2421426525534},{"$f":"O33+(O33-O32)","v":1428.180371456883},{"$f":"P33+(P33-P32)","v":1494.08866150841}]
["Single parent with 5 children","IS5",815.50478631745023,832.54802130140615,{"$f":"E34+(E34-E33)","v":847.72175028943548},867.45969866660334,904.81077370665435,963.13235501004385,1042.187634262496,1114.1166374706663,1201.3152238852936,1239.5096152911415,1287.3406592815895,1414.8216096392662,1527.1796468978016,1592.7493498022616]
["Single parent with 6 children","IS6",918.09094012962805,935.13417511358409,{"$f":"E35+(E35-E34)","v":950.22958349871726},969.86561902492042,1007.0238120836972,1065.0442339041056,1143.6912611577361,1215.248839227331,1301.997170741379,1339.994353849688,1387.5784091241803,1514.4010766259789,1626.1789223387202,1691.4100380961131]
["Single parent with 7 children","IS7",1020.6770939418059,1037.720328925762,{"$f":"E36+(E36-E35)","v":1052.737416707999},1072.2715393832375,1109.23685046074,1166.9561127981674,1245.1948880529762,1316.3810409839957,1402.6791175974645,1440.4790924082345,1487.8161589667711,1613.9805436126917,1725.1781977796388,1790.0707263899646]

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["Country","Flag",null,null,null,null,null,null,null,{"$f":"VLOOKUP(D4,I4:J16,2,FALSE)","v":"The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."}]
["ORDE Financial",null,null,"ORDE Financial",null,null,null,null,"ORDE Financial","The information contained in this calculator is provided by ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079 and ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. ORDE Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator.","ORDE Financial"]
["Resicom",null,null,null,null,null,null,null,"Resicom","The information contained in this calculator is provided by SJM Financial Solutions Pty Ltd, Australian Credit License 389191 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. SJM specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Paramount",null,null,null,null,null,null,null,"Paramount","The information contained in this calculator is provided by Paramount Mortgages Pty Ltd ACN 104 607 178, Australian Credit License 392788 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Paramount specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Australian Financial",null,null,null,null,null,null,null,"Australian Financial","The information contained in this calculator is provided by Australian Financial Mortgage Group Pty Ltd ABN 82 138 467 268, Australian Credit License 388993 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Australian Financial specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Tailored Capital",null,null,null,null,null,null,null,"Tailored Capital","The information contained in this calculator is provided by Tailored Capital Pty Ltd ACN  614 208 007, Australian Credit License 494487 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Tailored Capital specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["emoney",null,null,null,null,null,null,null,"eMoney","The information contained in this calculator is provided by emoney pty ltd ACN  079 790 364, Australian Credit License 386 494 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. emoney specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["BMM",null,null,null,null,null,null,null,"BMM","The information contained in this calculator is provided by Better Mortgage Management Pty Ltd ACN  089 835 192, Australian Credit License 389612 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Better Mortgage Management specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Revas MM",null,null,null,null,null,null,null,"Revas","The information contained in this calculator is provided by Revas Mortgage Management Pty Ltd ACN  644 579 813, Australian Credit License 526391 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Revas Mortgage Management specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Allstate",null,null,null,null,null,null,null,"Allstate","The information contained in this calculator is provided by Allstate Home Loans Pty Ltd ACN  089 835 192, Australian Credit License 384512 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Allstate specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Infinity Capital",null,null,null,null,null,null,null,"Infinity Capital","The information contained in this calculator is provided by Infinity Capital Mortgage Management Pty Ltd ACN  632 265 153, Australian Credit License 528727 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Infinity Capital specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["Your Manager",null,null,null,null,null,null,null,"Your Manager","The information contained in this calculator is provided by Your Manager Pty Ltd ACN  142 152 323, Australian Credit License 506104 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. Your Manager specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]
["HY Capital",null,null,null,null,null,null,null,"HY Capital","The information contained in this calculator is provided by HY Capital Pty Ltd ACN  146 212 151, Australian Credit License 382846 for illustrative purposes only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional advice. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for clients. Before acting on this general information, your client must consider its appropriateness having regard to their own objectives, financial situation and need and also seek independent financial, legal and taxation advice. No guarantee, warranty, or representation is given or implied as to the reliability or accuracy of the information use to compile each index or each calculation. HY Capital specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages or for any loss arising out of or in any way connected with the access to, reliance on, or use of this calculator."]