Our Year-to-Date (YTD) Income annualisation calculator allows you to take your year-to-date earnings and calculate what your full-year income will be.
Example: If you’ve earned $30,000 in 6 months, your annualised income would be around $60,000 for the full year.
Lenders use this number to decide how much they’ll lend you for a home loan.
When applying for a home loan, lenders need to know your full annual income – not just what you’ve earned so far.
This YTD income annualisation calculator is especially useful if you:
Convert any pay amount — hourly, daily, weekly, or fortnightly — into an annual figure. Add multiple income sources and see what lenders may use to assess your borrowing capacity.
Base / salary income
Additional income sources (optional — click to activate)
Income in every time period
Income source breakdown
| Income source | Gross annual | Lender shading | Assessed annual | Per month | Per fortnight |
|---|
This calculator annualises income based on the frequencies entered. Lender shading percentages are indicative only — each lender has its own income assessment policy. Rental income treatment, overtime acceptance, and self-employed income calculation vary between lenders and may require supporting documentation such as tax returns or payslips. Speak with a licensed mortgage broker for a full assessment. Credit Representative 407514.
Awesome Lending Solutions ›You’ll need:
The calculator then:
Result in seconds – You’ll see your annualised yearly income.
Banks and lenders use your annualised income to:
They want to see your full year earning capacity – not just a few months of pay.
Sarah’s situation:
Calculator result:
This gives Sarah and her lender a clear picture of her yearly earning capacity.
Once you know your annualised income, you can estimate:
Want to know more? Contact us for a free borrowing power assessment.
Include these in your YTD income: ✅ Base salary ✅ Regular overtime ✅ Bonuses received ✅ Commission payments ✅ Allowances
Don’t include: ❌ One-off payments ❌ Irregular bonuses ❌ Tax refunds ❌ Government payments (unless regular)
After using the calculator:
Add all your YTD income together before using the calculator. Include all jobs, side income, and regular payments.
No – use your gross income before super. Lenders assess your pre-super earnings.
The calculator gives an average. For variable income, lenders might use a different method. Contact us to discuss your specific situation.
Very accurate for steady income. Less accurate if your income changes dramatically month to month. We can help verify the best approach for your situation.
Now you know your annualised income, let’s discuss your home loan options.
We can help you:
Contact us today for a free, no-obligation chat about your home loan needs.
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