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[]
[null,null,"Servicing Calculator V2.43",null,null,null,"For 5 to 10 loans ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date:"]
[null,null,{"$f":"TODAY()","v":"2025-12-04"}]
[null,null,"New Loan Commitment(s)","Loan 1","Loan 2","Loan 3","Loan 4","Loan 5","Loan 6","Loan 7","Loan 8","Loan 9","Loan 10"]
[null,null,"Application No"]
[null,null,"Repayment Type",{"$f":"IF(D8=0,\"\",IF(D8>D9,\"Principal & Interest\",\"Interest Only\"))","v":""},"","","","","","","","",""]
[null,null,"New Loan Amount"]
[null,null,"New Loan Term (Years)"]
[null,null,"Interest Only Term (Years)"]
[null,null,"Interest Rate of New Loan"]
[null,null,"New Monthly Interest Amount",{"$f":"D7*D10/12","v":0},0,0,0,0,0,0,0,0,0]
[null,null,"New Monthly Loan Repayment/s",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$10/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$10)/12)))),0)","v":0},0,0,0,0,0,{"$f":"IFERROR(IF(J$6=\"\",0,(IF(J$6=\"Principal & Interest\",-PMT(J$10/12,(J$8-J$9)*12,J$7,0,0),((J$7*J$10)/12)))),0)","v":0},{"$f":"IFERROR(IF(K$6=\"\",0,(IF(K$6=\"Principal & Interest\",-PMT(K$10/12,(K$8-K$9)*12,K$7,0,0),((K$7*K$10)/12)))),0)","v":0},0,{"$f":"IFERROR(IF(M$6=\"\",0,(IF(M$6=\"Principal & Interest\",-PMT(M$10/12,(M$8-M$9)*12,M$7,0,0),((M$7*M$10)/12)))),0)","v":0},{"$f":"SUM(D12:M12)","v":0}]
[null,null,"Loan Assessment Rate",{"$f":"IF(D10+RepayCalculator!$B$5>RepayCalculator!$B$8,D10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(E10+RepayCalculator!$B$5>RepayCalculator!$B$8,E10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(F10+RepayCalculator!$B$5>RepayCalculator!$B$8,F10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(G10+RepayCalculator!$B$5>RepayCalculator!$B$8,G10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(H10+RepayCalculator!$B$5>RepayCalculator!$B$8,H10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(I10+RepayCalculator!$B$5>RepayCalculator!$B$8,I10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(J10+RepayCalculator!$B$5>RepayCalculator!$B$8,J10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(K10+RepayCalculator!$B$5>RepayCalculator!$B$8,K10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(L10+RepayCalculator!$B$5>RepayCalculator!$B$8,L10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(M10+RepayCalculator!$B$5>RepayCalculator!$B$8,M10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"N14-N12","v":0}]
[null,null,"Stressed Loan Payments",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$13/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$13)/12)))),0)","v":0},0,0,0,0,0,{"$f":"IFERROR(IF(J$6=\"\",0,(IF(J$6=\"Principal & Interest\",-PMT(J$13/12,(J$8-J$9)*12,J$7,0,0),((J$7*J$13)/12)))),0)","v":0},{"$f":"IFERROR(IF(K$6=\"\",0,(IF(K$6=\"Principal & Interest\",-PMT(K$13/12,(K$8-K$9)*12,K$7,0,0),((K$7*K$13)/12)))),0)","v":0},{"$f":"IFERROR(IF(L$6=\"\",0,(IF(L$6=\"Principal & Interest\",-PMT(L$13/12,(L$8-L$9)*12,L$7,0,0),((L$7*L$13)/12)))),0)","v":0},0,{"$f":"SUM(D14:M14)","v":0}]
[null,null,"Stress Rate for ICR ",{"$f":"IF(D10+RepayCalculator!$B$5>RepayCalculator!$B$8,D10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(E10+RepayCalculator!$B$5>RepayCalculator!$B$8,E10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(F10+RepayCalculator!$B$5>RepayCalculator!$B$8,F10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(G10+RepayCalculator!$B$5>RepayCalculator!$B$8,G10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(H10+RepayCalculator!$B$5>RepayCalculator!$B$8,H10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(I10+RepayCalculator!$B$5>RepayCalculator!$B$8,I10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(J10+RepayCalculator!$B$5>RepayCalculator!$B$8,J10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(K10+RepayCalculator!$B$5>RepayCalculator!$B$8,K10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(L10+RepayCalculator!$B$5>RepayCalculator!$B$8,L10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(M10+RepayCalculator!$B$5>RepayCalculator!$B$8,M10+RepayCalculator!$B$5,RepayCalculator!$B$8)","v":5.2900000000000003E-2}]
[null,null,"Stressed monthly Amount for ICR ",{"$f":"D7*D15/12","v":0},{"$f":"E7*E15/12","v":0},0,0,0,0,0,0,0,0]
[]
[]
[null,null,"Household Status","Applicant Name","Household Number","Status","Dependents"]
[null,null,"Applicant 1"]
[null,null,"Applicant 2"]
[null,null,"Applicant 3"]
[null,null,"Applicant 4"]
[]
[null,null,"HEM Status",null,"Status","Dependents",null,null,null,null,null,null,null,null,null,"Household HEM",null,null,null,null,null,"Long Description","Income for HEM"]
[null,null,"Household 1",null,{"$f":"_xlfn.IFNA(VLOOKUP(C26,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C26,$G$20:$G$23)","v":0},null,null,null,null,null,null,null,null,{"$f":"LOOKUP(W26,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(V26,HEM!$B$12:$P$34,O26,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E26&\" with \"&F26&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($U$33:$U$36,C26,$D$33:$D$36)+SUMIF($U$40:$U$43,C26,$W$40:$W$43)+SUMIF($U$33:$U$36,C26,$E$34:$E$36)","v":0}]
[null,null,"Household 2",null,{"$f":"_xlfn.IFNA(VLOOKUP(C27,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C27,$G$20:$G$23)","v":0},null,null,null,null,null,null,null,null,{"$f":"LOOKUP(W27,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(V27,HEM!$B$12:$P$34,O27,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E27&\" with \"&F27&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($U$33:$U$36,C27,$D$33:$D$36)+SUMIF($U$40:$U$43,C27,$W$40:$W$43)+SUMIF($U$33:$U$36,C27,$E$34:$E$36)","v":0}]
[null,null,"Household 3",null,{"$f":"_xlfn.IFNA(VLOOKUP(C28,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C28,$G$20:$G$23)","v":0},null,null,null,null,null,null,null,null,{"$f":"LOOKUP(W28,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(V28,HEM!$B$12:$P$34,O28,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E28&\" with \"&F28&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($U$33:$U$36,C28,$D$33:$D$36)+SUMIF($U$40:$U$43,C28,$W$40:$W$43)+SUMIF($U$33:$U$36,C28,$E$34:$E$36)","v":0}]
[null,null,"Household 4",null,{"$f":"_xlfn.IFNA(VLOOKUP(C29,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C29,$G$20:$G$23)","v":0},null,null,null,null,null,null,null,null,{"$f":"LOOKUP(W29,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(V29,HEM!$B$12:$P$34,O29,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E29&\" with \"&F29&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($U$33:$U$36,C29,$D$33:$D$36)+SUMIF($U$40:$U$43,C29,$W$40:$W$43)+SUMIF($U$33:$U$36,C29,$E$34:$E$36)","v":0}]
[null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P26:P29)","v":0}]
[]
[null,null,"Income - Personal","Gross Taxable Income","Gross Non Taxable Income","Gross Rental Income","Net Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income - Taxable","Gross Income - Non-taxable"]
[null,null,"Applicant 1 - Personal Income",null,null,{"$f":"'Rental & Gearing'!I31","v":0},{"$f":"'Tax Scales'!$J$14+(W33/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E20","v":0},{"$f":"D33+W40","v":0},{"$f":"(D40*12)+E33","v":0}]
[null,null,"Applicant 2 - Personal Income",null,null,{"$f":"'Rental & Gearing'!I32","v":0},{"$f":"'Tax Scales'!$J$27+(W34/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E21","v":0},{"$f":"D34+W41","v":0},{"$f":"(D41*12)+E34","v":0}]
[null,null,"Applicant 3 - Personal Income",null,null,{"$f":"'Rental & Gearing'!I33","v":0},{"$f":"'Tax Scales'!$J$40+(W35/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E22","v":0},{"$f":"D35+W42","v":0},{"$f":"(D42*12)+E35","v":0}]
[null,null,"Applicant 4 - Personal Income",null,null,{"$f":"'Rental & Gearing'!I34","v":0},{"$f":"'Tax Scales'!$J$53+(W36/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E23","v":0},{"$f":"D36+W43","v":0},{"$f":"(D43*12)+E36","v":0}]
[null,null,null,null,null,null,{"$f":"SUM(G33:G36)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E24","v":0}]
[]
[null,null,"Interest on Rental Properties","Monthly Interest Expense\n(for gearing purposes only)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Annual Income - less haircut","Net Rental Income"]
[null,null,"Applicant 1 - Interest expense on rental properties",{"$f":"'Rental & Gearing'!J31/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E20","v":0},{"$f":"'Rental & Gearing'!AC31","v":0},{"$f":"V40-(D40*12)","v":0}]
[null,null,"Applicant 2 - Interest expense on rental properties",{"$f":"'Rental & Gearing'!J32/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E21","v":0},{"$f":"'Rental & Gearing'!AC32","v":0},{"$f":"V41-(D41*12)","v":0}]
[null,null,"Applicant 3 - Interest expense on rental properties",{"$f":"'Rental & Gearing'!J33/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E22","v":0},{"$f":"'Rental & Gearing'!AC33","v":0},{"$f":"V42-(D42*12)","v":0}]
[null,null,"Applicant 4 - Interest expense on rental properties",{"$f":"'Rental & Gearing'!J34/12","v":0},null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E23","v":0},{"$f":"'Rental & Gearing'!AC34","v":0},{"$f":"V43-(D43*12)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Rental & Gearing'!AC35","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Income ","Company 1 Income ","Company 2 income "]
[null,null,"Business Income","Company Income","Depreciation Add-back",null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Self Employed Calculator'!D34","v":0},{"$f":"'Self Employed Calculator'!D66","v":0},"Applicant 1"]
[null,null,"Company 1",0,0,null,{"$f":"IF(_GTI_ST=\"Sole Trade Income\",\"\",'Tax Scales'!$J$83+(W47/12))","v":0},null,null,null,null,null,null,null,null,null,{"$f":"'Self Employed Calculator'!F34","v":0},{"$f":"'Self Employed Calculator'!F66","v":0},"Applicant 2",null,null,{"$f":"D47","v":0},{"$f":"E47","v":0}]
[null,null,"Company 2",0,0,null,{"$f":"IF(_GTI_ST=\"Sole Trade Income\",\"\",'Tax Scales'!$J$90+(W48/12))","v":0},null,null,null,null,null,null,null,null,null,{"$f":"'Self Employed Calculator'!H34","v":0},{"$f":"'Self Employed Calculator'!H66","v":0},"Applicant 3",null,null,{"$f":"D48","v":0},{"$f":"E48","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Self Employed Calculator'!J34","v":0},{"$f":"'Self Employed Calculator'!J66","v":0},"Applicant 4"]
[]
[null,null,"Total Gross Income",null,null,null,{"$f":"SUM(D33:D36)+SUM(E33:E36)+SUM(D47:D48)+SUM(E47:E48)+SUM(F33:F36)","v":0}]
[null,null,"Total Monthly Income",null,null,null,{"$f":"+G37+SUM(G47:G48)","v":0},null,null,null,null,null,null,null,null,null,"Company Income","Depreciation Add-back"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q46:Q49)","v":0},{"$f":"'Self Employed Calculator'!D36+'Self Employed Calculator'!F36+'Self Employed Calculator'!H36+'Self Employed Calculator'!J36","v":0},{"$f":"IFERROR(IF(SE1Test=1,_SE1dep,IF(SE1Test=2,_SE1depadj,0)),\"\")","v":""}]
[null,null,"Less Living Allowance","Household 1","Household 2","Household 3","Household 4",null,null,null,null,null,null,null,null,null,{"$f":"SUM(R46:R49)","v":0},{"$f":"'Self Employed Calculator'!D68+'Self Employed Calculator'!F68+'Self Employed Calculator'!H68+'Self Employed Calculator'!J68","v":0}]
[null,null,"Basic Housing & Property Expense"]
[null,null,"Investment Property Costs"]
[null,null,"Communication & Media"]
[null,null,"Food & Groceries"]
[null,null,"Recreation & Entertainment"]
[null,null,"Clothing & Personal Care"]
[null,null,"Medical & Health"]
[null,null,"Transport"]
[null,null,"Health & Personal Insurances"]
[null,null," Other Expenses"]
[null,null,"Monthly Living Expenses",{"$f":"SUM(D55:D64)","v":0},{"$f":"SUM(E55:E64)","v":0},{"$f":"SUM(F55:F64)","v":0},{"$f":"SUM(G55:G64)","v":0}]
[null,null,"Benchmark Living Expenses",{"$f":"_xlfn.IFNA(VLOOKUP($V$26,HEM!$B$12:$P$34,$O$26,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($V$27,HEM!$B$12:$P$34,$O$27,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($V$28,HEM!$B$12:$P$34,$O$28,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($V$29,HEM!$B$12:$P$34,$O$29,FALSE),0)*52/12","v":0}]
[null,null,"Living Expense Used (> of HEM or Actual)",{"$f":"IF(D66>D65,D66,D65)","v":0},{"$f":"IF(E66>E65,E66,E65)","v":0},{"$f":"IF(F66>F65,F66,F65)","v":0},{"$f":"IF(G66>G65,G66,G65)","v":0}]
[null,null,"Private Schooling"]
[null,null,"Child Support / Spousal maintenance"]
[null,null,"Rent / Board"]
[null,null,{"$f":"\"WARNING - \"&IF(D65<D66,\"Household 1 \",\"\")&IF(E65<E66,\"Household 2 \",\"\")&IF(F65<F66,\"Household 3 \",\"\")&IF(G65<G66,\"Household 4 \",\"\")&\"declared living expenses are below benchmark. Detailed review of living expenses required\"","v":"WARNING - declared living expenses are below benchmark. Detailed review of living expenses required"}]
[null,null,"Total Living Expenses",null,null,null,{"$f":"SUM(D67:G67)","v":0}]
[null,null,"Rent, Board & Child Support",null,null,null,{"$f":"SUM(D68:G70)","v":0}]
[null,null,"Total Expenses",null,null,null,{"$f":"G72+G73","v":0}]
[]
[null,null,"Total Income Available ",null,null,null,{"$f":"G52-G74","v":0}]
[]
[]
[null,null,"Less Existing Commitments","Debt / Limit","Monthly Pmt"]
[null,null,"Credit Card (Limit not debt)",null,{"$f":"D80*0.0383","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total Existing Commitments",null,null,null,{"$f":"SUM(E80:E91)","v":0}]
[null,null,"Existing Commitments Sensitivity",null,null,null,{"$f":"SUM(D81:D91)/12*2.25%","v":0}]
[null,null,null,null,null,"Total Stressed Commitments",{"$f":"SUM(G93:G94)","v":0}]
[null,null,null,null,null,"Existing Commitments Sensitivity(Non-Coded)",{"$f":"SUM(D82:D91)/12*RepayCalculator!B6","v":0}]
[null,null,"Total Stressed Commitments(Non-Coded)",null,null,null,{"$f":"SUM(G95:G96)","v":0}]
[]
[null,null,null,null,null,null,"Summary",null,null,null,null,null,null,null,null,{"$f":"G37+G47+G48-G74","v":0}]
[null,null,"Result - Must Be Positive",null,null,null,{"$f":"G76-G95-N14","v":0},null,null,null,null,null,null,null,null,{"$f":"G16+G97","v":0}]
[null,null,"For Coded loan",null,null,null,{"$f":"IF(AND(G100>0),\"PASS\",\"FAIL\")","v":"FAIL"},null,null,null,null,null,null,null,null,{"$f":"P99/P100","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Interest Coverage Ratio",null,null,null,{"$f":"+S103/S104","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"EBIAT (earnings before interest after taxes) ",null,null,{"$f":"G51","v":0}]
[null,null,null,null,null,"For Non-Coded loan",{"$f":"IF(AND(G103>1.75),\"PASS\",\"FAIL\")","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"Annual Interest Expense (unstressed)",null,null,{"$f":"(SUM(D16:F16)+SUM(D82:D91)*RepayCalculator!B6/12+E80)*12","v":0}]
[null,null,null,null,null,"Stressed Interest Coverage Ratio",{"$f":"+S103/S105","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"Annual Interest Expense (stressed)",null,null,{"$f":"(SUM(D16:F16)+SUM(D82:D91)*RepayCalculator!B8/12+E80)*12","v":0}]
[]
[null,null,"DTI",null,null,null,{"$f":"(SUM(D80:D91)+SUM(D7:I7))/G51","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,{"$f":"((G76-G93-G94)/(D10+1.7%)*12)","v":0}]
[null,null,null,null,null,"NDI Ratio (NDI Ratio must be at least 1.001:1)",{"$f":"G52/(G95+N14+G74)","v":{"$error":"#DIV/0!"}}]
[null,null,{"$f":"IFERROR(IF(OR(G107>6,G100<500),\"Supplementary supporting documents are required: \"&\"                                                                                                                                                                                                                     \"&\n\"- 3 months bank account statements showing regular salary credits OR\n- Income statement from ATO (via MyGov) confirming Previous FY and Current YTD income. Screenshot acceptable to support current income figure.\",\"\"),\"\")","v":""}]
[]
[null,null,"Serviceability",null,null,null,{"$f":"IF(AND(G100>0,G108>1.001),\"Pass\",\"Fail\")","v":{"$error":"#DIV/0!"}}]
[null,null,"Maximum Loan Available - Principal & Interest loans only",null,null,null,{"$f":"IF(OR(E7>0,F7>0),\"N/A - Multiple loans\",IF(D6=\"Principal & Interest\",FLOOR(-PV((D13)/12,(D8-D9)*12,(G76-G95),0,0),100),\"N/A\"))","v":"N/A"}]

{"sheet":"HEM","index":3,"n_rows":99,"n_cols":16,"rows_kept":99,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency"]
[null,null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS",null,null,null,null,null,null,null,null,null,"2025Q3"]
[null,null,null,null,null,null,null,"Smoothed HEM"]
[null,"Column for lookup","2","3","4","5","6","7","8","9","10","11","12","13","14","15"]
[null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,-9999999999,27000,40000,53000,66000,80000,106000,133000,160000,186000,213000,266000,332000,399000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
[null,null,null,40000,53000,66000,80000,106000,133000,160000,186000,213000,266000,332000,399000,665000]
[null,"Australia"]
[null,"Couple with 0 children",607.03220099834425,607.03220099834425,621.25587091035061,644.64839461311362,688.95520944247846,748.27473492808667,836.18849200924569,912.06161445181078,992.81604173110452,1045.9043963588829,1106.9545547124492,1230.6843727151536,1397.045429196357,1418.5656493252166]
[null,"Couple with 1 children",711.60574962167209,711.60574962167209,711.60574962167209,734.94263976910099,779.14408274414222,838.32252974756443,926.02720561225317,1001.7198837043219,1082.2822590161322,1135.2443555414188,1196.1493230249164,1319.5848796283876,1485.5502881264495,1507.019328012326]
[null,"Couple with 2 children",784.69852675691993,784.69852675691993,784.69852675691993,808.05271744436516,852.28692632339016,911.50924342239171,999.27893501079541,1075.0277244128831,1155.6498202303956,1208.6511774178159,1269.6012940086123,1393.1283534171466,1559.2167935854668,1580.7017491890897]
[null,"Couple with 3 children",861.89893435886142,861.89893435886142,861.89893435886142,861.89893435886142,905.84479560250543,964.68106369933946,1051.878613282011,1127.1336209961514,1207.2301682027305,1259.8860249437496,1320.4388299776156,1443.1606573291474,1608.1664220554062,1629.5113230988109]
[null,"Couple with 4 children",{"$f":"D17","v":915.74515127335769},{"$f":"E17","v":915.74515127335769},{"$f":"F17","v":915.74515127335769},{"$f":"F16+(F16-F15)","v":915.74515127335769},{"$f":"G16+(G16-G15)","v":959.40266488162069},1017.8528839762872,1104.4782915532264,1179.2395175794197,1258.8105161750655,1311.1208724696833,1371.2763659466189,1493.1929612411482,1657.1160505253456,1678.320897008532]
[null,"Couple with 5 children",{"$f":"C17+(C17-C16)","v":969.59136818785396},969.59136818785396,969.59136818785396,969.59136818785396,{"$f":"G17+(G17-G16)","v":1012.960534160736},1071.0247042532351,1157.0779698244419,1231.345414162688,1310.3908641474004,{"$f":"L17+(L17-L16)","v":1362.3557199956169},1422.1139019156221,1543.2252651531489,1706.065678995285,1727.1304709182532]
[null,"Couple with 6 children",1023.4375851023502,1023.4375851023502,1023.4375851023502,1023.4375851023502,1066.5184034398512,1124.1965245301831,1209.6776480956573,1283.4513107459563,1361.9712121197354,1413.5905675215506,1472.9514378846254,1593.2575690651497,1755.0153074652244,{"$f":"P18+(P18-P17)","v":1775.9400448279744}]
[null,"Couple with 7 children",1077.2838020168465,1077.2838020168465,1077.2838020168465,1077.2838020168465,1120.0762727189665,1177.3683448071311,1262.2773263668728,1335.5572073292246,1413.5515600920703,1464.8254150474843,1523.7889738536287,1643.2898729771505,1803.9649359351638,1824.7496187376955]
[null,"Couple with 8 children",1131.1300189313429,1131.1300189313429,1131.1300189313429,1131.1300189313429,1173.6341419980818,1230.540165084079,1314.8770046380882,1387.6631039124929,1465.1319080644053,1516.060262573418,1574.626509822632,1693.3221768891513,1852.9145644051032,1873.5591926474167]
[null,"Couple with 9 children",1184.9762358458393,1184.9762358458393,1184.9762358458393,1184.9762358458393,1227.192011277197,1283.711985361027,1367.4766829093037,1439.7690004957612,1516.7122560367402,1567.2951100993516,1625.4640457916353,1743.354480801152,1901.8641928750426,{"$f":"P21+(P21-P20)","v":1922.3687665571379}]
[null,"Couple with 10 children",1238.8224527603356,1238.8224527603356,1238.8224527603356,1238.8224527603356,1280.7498805563123,1336.883805637975,1420.0763611805191,1491.8748970790296,1568.2926040090751,1618.5299576252853,1676.3015817606386,1793.3867847131528,1950.813821344982,1971.178340466859]
[null,"Single with 0 children",315.14766327112591,331.89699064867381,346.11739409115773,369.50454544442681,413.80118370818025,473.10708598338312,561.00065168301694,636.85634918913775,717.59223027636835,770.66839234129202,831.70453004921171,955.40593110606335,1121.7287812951297,1143.2440581682079]
[null,"Single with 1 children",434.58457586875608,434.58457586875608,448.76834254718642,472.09523554270089,516.2777474037199,575.43084885863436,663.09795978953719,738.75821736938951,819.28608839238836,872.22549981248847,933.10438011941017,1056.4870677117237,1222.3813926934849,1243.8412352243961]
[null,"Single with 2 children",550.46436693441899,550.46436693441899,564.68826324900544,588.08115440305301,632.38866960911241,691.70913508483909,779.62427977674849,855.49860082582677,936.25430448964494,989.34350145119856,1050.394622045261,1174.1263976569969,1340.490085487128,1362.0106426151735]
[null,"Single with 3 children",680.60818395082447,680.60818395082447,680.60818395082447,704.06707326340506,748.49959181450492,807.98742131104382,896.1505997639598,972.23898428226403,1053.2225205869015,1106.4615030899085,1167.684863971112,1291.7657276022701,1458.5987782807711,1480.180050005951]
[null,"Single with 4 children",{"$f":"D28","v":796.52810465264349},{"$f":"E28","v":796.52810465264349},{"$f":"E27+(E27-E26)","v":796.52810465264349},820.05299212375712,864.61051401989744,924.26570753724855,1012.6769197511711,1088.9793677387013,1170.1907366841581,1223.5795047286185,1284.975105896963,1409.4050575475433,{"$f":"O27+(O27-O26)","v":1576.7074710744141},{"$f":"P27+(P27-P26)","v":1598.3494573967284}]
[null,"Single with 5 children",{"$f":"D29","v":912.44802535446252},912.44802535446252,912.44802535446252,936.03891098410918,980.72143622528995,1040.5439937634533,1129.2032397383823,1205.7197511951385,1287.1589527814147,1340.6975063673285,1402.265347822814,1527.0443874928164,1694.8161638680572,1716.5188647875059]
[null,"Single with 6 children",1028.3679460562817,1028.3679460562817,1028.3679460562817,1052.0248298444612,1096.8323584306825,1156.822279989658,1245.7295597255934,1322.4601346515758,1404.1271688786712,1457.8155080060385,1519.5555897486649,1644.6837174380896,1812.9248566617002,1834.6882721782833]
[null,"Single with 7 children",1144.2878667581008,1144.2878667581008,1144.2878667581008,1168.0107487048133,1212.9432806360751,1273.1005662158627,1362.2558797128045,1439.2005181080131,1521.0953849759278,1574.9335096447485,1636.8458316745159,1762.3230473833628,1931.0335494553433,1952.8576795690608]
[null,"Single with 8 children",1260.2077874599199,1260.2077874599199,1260.2077874599199,1283.9966675651654,1329.0542028414677,1389.3788524420675,1478.7821997000156,1555.9409015644503,1638.0636010731844,1692.0515112834585,1754.1360736003669,1879.962377328636,2049.1422422489863,{"$f":"P31+(P31-P30)","v":2071.027086959838}]
[null,"Single with 9 children",1376.1277081617391,1376.1277081617391,1376.1277081617391,1399.9825864255174,1445.1651250468603,1505.6571386682722,1595.3085196872266,1672.6812850208876,1755.0318171704409,1809.1695129221685,1871.4263155262179,1997.6017072739091,2167.2509350426294,2189.1964943506155]
[null,"Single with 10 children",1492.0476288635582,1492.0476288635582,1492.0476288635582,1515.9685052858695,1561.276047252253,1621.9354248944769,1711.8348396744377,1789.4216684773248,1872.0000332676975,1926.2875145608784,1988.7165574520689,2115.2410372191825,2285.3596278362725,2307.3659017413929]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"\"HEM Table 1\" equivalent"]
[null,"BASED ON RAW DATA"]
[null,"Smoothed HEM"]
[null,"WORKFORCE STATUS HEAD NOT USED","Including Housing $ per week","Other than Housing S per week"]
[null,"Couple","-",716.9967788461538]
[null,"Couple with 1 child","-",949.7435576923076]
[null,"Couple with 2 children","-",999.54899038461542,null,null,null,null,"$ per Week","$ per Month"]
[null,"Couple with 3 children","-",1096.1344711538461,null,null,null,"Single",null,{"$f":"I52*52/12","v":0}]
[null,null,null,null,null,null,null,"Couples",null,{"$f":"I53*52/12","v":0}]
[null,"Single person","-",329.96456730769228,null,null,null,"Children",null,{"$f":"(I54-I52)*52/12","v":0}]
[null,"Single parent with 1 child","-",460.22918269230769]
[null,"Single parent with 2 children","-",544.04725961538463]
[null,"Single parent with 3 children","-",627.86533653846163]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Monthly HEM"]
[]
[]
[null,"Column for lookup",2,3,4,5,6,7,8,9,10]
[null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,0,22000,32000,43000,54000,65000,86000,108000,129000]
[null,null,"or less","to","to","to","to","to","to","to","to"]
[null,null,null,32000,43000,54000,65000,86000,108000,129000,151000]
[null,"Australia"]
[null,"Couple with 0 children",{"$f":"C13*52/12","v":2630.4728709928254},{"$f":"D13*52/12","v":2630.4728709928254},2692.1087739448526,2793.4763766568253,2985.4725742507399,3242.5238513550426,3623.4834653733978,3952.2669959578466,4302.2028475014531]
[null,"Couple with 1 children",{"$f":"C14*52/12","v":3083.6249150272456},3083.6249150272456,3083.6249150272456,3184.7514389994376,3376.2910252246165,3632.7309622394459,4012.7845576530967,4340.7861627187276,4689.8897890699063]
[null,"Couple with 2 children",{"$f":"C15*52/12","v":3400.3602826133197},3400.3602826133197,3400.3602826133197,3501.561775592249,3693.2433474013574,3949.8733881636977,4330.2087183801132,4658.4534724558271,5007.8158876650477]
[null,"Couple with 3 children",{"$f":"C16*52/12","v":3734.8953822217331},3734.8953822217331,3734.8953822217331,3734.8953822217331,3925.3274476108568,4180.2846093638045,4558.140657555381,4884.2456909833227,5231.330728878499]
[null,"Couple with 4 children",{"$f":"C17*52/12","v":3968.2289888512169},3968.2289888512169,3968.2289888512169,3968.2289888512169,4157.4115478203566,4410.6958305639118,4786.072596730648,5110.0379095108192,5454.8455700919503]
[null,"Couple with 5 children",{"$f":"C18*52/12","v":4201.562595480701},4201.562595480701,4201.562595480701,4201.562595480701,4389.4956480298561,4641.1070517640192,5014.004535905915,5335.8301280383148,5678.3604113054016]
[null,"Couple with 6 children",{"$f":"C19*52/12","v":4434.8962021101843},4434.8962021101843,4434.8962021101843,4434.8962021101843,4621.5797482393555,4871.5182729641265,5241.9364750811819,5561.6223465658113,5901.8752525188538]
[null,"Couple with 7 children",{"$f":"C20*52/12","v":4668.2298087396675},4668.2298087396675,4668.2298087396675,4668.2298087396675,4853.6638484488549,5101.9294941642347,5469.8684142564489,5787.4145650933069,6125.3900937323051]
[null,"Couple with 8 children",{"$f":"C21*52/12","v":4901.5634153691526},4901.5634153691526,4901.5634153691526,4901.5634153691526,5085.7479486583543,5332.3407153643429,5697.8003534317149,6013.2067836208034,6348.9049349457564]
[null,"Couple with 9 children",{"$f":"C22*52/12","v":5134.8970219986368},5134.8970219986368,5134.8970219986368,5134.8970219986368,5317.8320488678537,5562.7519365644503,5925.7322926069828,6238.999002148299,6572.4197761592077]
[null,"Couple with 10 children",{"$f":"C23*52/12","v":5368.2306286281209},5368.2306286281209,5368.2306286281209,5368.2306286281209,5549.916149077354,5793.1631577645576,6153.6642317822489,6464.7912206757946,6795.934617372659]
[]
[null,"Single with 0 children",{"$f":"C24*52/12","v":1365.639874174879},1438.2202928109198,1499.8420410616836,1601.1863635925163,1793.1384627354475,2050.1307059279934,2431.00282395974,2759.7108464862636,3109.5663311975964]
[null,"Single with 1 children",{"$f":"C25*52/12","v":1883.1998287646095},1883.1998287646095,1944.6628177044743,2045.7460206850371,2237.2035720827862,2493.5336783874154,2873.4244924213276,3201.2856086006882,3550.2397163670162]
[null,"Single with 2 children",{"$f":"C26*52/12","v":2385.345590049149},2385.345590049149,2446.9824740790236,2548.3516690798965,2740.3509016394873,2997.4062520343027,3378.3718790325765,3707.1606035785826,4057.1019861217951]
[null,"Single with 3 children",{"$f":"C27*52/12","v":2949.3021304535728},2949.3021304535728,2949.3021304535728,3050.9573174747552,3243.498231196188,3501.2788256811896,3883.3192656438259,4213.0355985564775,4563.9642558765727]
[null,"Single with 4 children",{"$f":"C28*52/12","v":3451.6217868281219},3451.6217868281219,3451.6217868281219,3553.5629658696143,3746.6455607528892,4005.1513993280769,4388.2666522550744,4718.9105935343723,5070.8265256313516]
[null,"Single with 5 children",{"$f":"C29*52/12","v":3953.9414432026711},3953.9414432026711,3953.9414432026711,4056.1686142644735,4249.7928903095899,4509.0239729749637,4893.2140388663238,5224.7855885122672,5577.6887953861296]
[null,"Single with 6 children",{"$f":"C30*52/12","v":4456.2610995772202},4456.2610995772202,4456.2610995772202,4558.7742626593317,4752.940219866291,5012.8965466218515,5398.1614254775714,5730.6605834901611,6084.5510651409086]
[null,"Single with 7 children",{"$f":"C31*52/12","v":4958.5807559517698},4958.5807559517698,4958.5807559517698,5061.3799110541904,5256.0875494229922,5516.7691202687383,5903.1088120888198,6236.5355784680569,6591.4133348956866]
[null,"Single with 8 children",{"$f":"C32*52/12","v":5460.9004123263194},5460.9004123263194,5460.9004123263194,5563.98555944905,5759.2348789796933,6020.6416939156261,6408.0561987000665,6742.4105734459517,7098.2756046504655]
[null,"Single with 9 children",{"$f":"C33*52/12","v":5963.220068700869},5963.220068700869,5963.220068700869,6066.5912078439096,6262.3822085363945,6524.5142675625129,6913.003585311315,7248.2855684238457,7605.1378744052445]
[null,"Single with 10 children",{"$f":"C34*52/12","v":6465.5397250754186},6465.5397250754186,6465.5397250754186,6569.1968562387674,6765.5295380930957,7028.3868412094007,7417.9509719225634,7754.1605634017405,8112.0001441600225]

{"sheet":"Change Log","index":4,"n_rows":37,"n_cols":3,"rows_kept":37,"cut":false,"hidden":true,"merged":[[0,0,0,2]]}
["Change Log"]
["Calculator","Date","Change"]
["Serviceability Calculator","2021-09-06","Assessment rate amended floor - 5.29%\nAssessment rate amended buffer - 2.50%"]
["Lease Doc Calculator","2021-06-06","Added with 1.75 times ICR required"]
["Serviceability Calculator","2021-10-11","NDI ratio > 1.00 pass (was 1.01)"]
["Serviceability Calculator","2022-06-06","Add Genworth DTI®\nChange to show both code and non-coded result\nupdate HEM table Q1 2022\nAssessment rate buffer change to -3.00% (Coded)\nMove Insurance to standard living expense to compare with HEM\n"]
["SMSF/Non-Coded","2022-06-17","Assessment rate buffer change to -3.00%"]
["Serviceability Calculator","2023-03-03","update HEM table Q4 2022\nAssessment rate buffer change to - 2.50%\nExisting commitment stressed change to - 2.25%\nResult to display NSI DTI NDIR \nDebug self-employed worksheet\nAdd function for rebranding"]
["SME Servicing Calculator ","2023-03-03","Introduce SME Servicing Calculator "]
["SMSF/Non-Coded","2023-03-03","Assessment rate buffer change to -2.25%\nDebug Verify Data button "]
["Serviceability Calculator","2023-03-23","Assessment rate buffer change to -3.00%\nAdd result row"]
["SMSF","2023-03-27","Assessment rate buffer change to -2.50%\nExisting commitment stressed change to - 2.25%"]
["SME Servicing Calculator ","2023-03-27","Assessment rate buffer change to -2.50%"]
["Serviceability Calculator","2023-09-04","Update HEM table Q2 2023\nAssessment rate buffer change to -2.50%\n"]
["SME Servicing Calculator ","2023-09-04","Assessment rate buffer change to -2.00%"]
["SMSF","2023-09-04","Assessment rate buffer change to -2.00%\nAllow 6 members in verify data "]
["Lease doc ","2023-09-04","ICR change to 1.30"]
["YTD Cal ","2023-09-04","super contribution to 11%"]
["Serviceability Calculator","2024-05-21","Update HEM table Q1 2024\ndefault no of loan to 4 , before no of loan is 3 - include the ability to max 6\n"]
["SMSF","2024-05-21","Assessment rate amended floor - 5.50% "]
["Serviceability Calculator","2024-05-21","\ndefault no of loan to 4 , before no of loan is 3 - include the ability to max 6\n"]
["SMSF","2024-06-25","Change Mandatory contributions change 27,500 to 30,000\nRemove other income from the fund \nChange the rule of liquidity test - (< 3 * months repayment)\nNet Asset Test only fail when it is less than 0\nUpdate Tax Rate -ATO 24/25\nRemove additional contributions from 15% tax as the input is after tax."]
["Serviceability Calculator","2024-06-25","Update Tax Rate -ATO 24/25"]
["Serviceability Calculator","2024-10-03","Update HEM table Q2 2024\nLITO & LIMTO removed (App2 to App4)\nAssessment rate buffer change to 2.00%\nallow negative income to be entered\nclear living expense when change household"]
["SMSF","2024-10-03","fix taxable income with SMSF member >= 3\nDelete Health and Personal Insurance from living expense"]
["SME Servicing Calculator ","2024-10-03","Update HEM table Q2 2024\nallow negative income to be entered\nadd self-employed worksheet and Rental & Gearing worksheet\nclear living expense when change household\n"]
["Serviceability Calculator","2025-01-28","Update HEM table Q3 2024\n"]
["SME Servicing Calculator ","2025-01-28","Update HEM table Q3 2024\n"]
["Year To Date Cal","2025-01-28","Casual selection to haircut the annualised income\n"]
["SMSF","2025-01-28","Fix DTI showing issue"]
["Serviceability Calculator","2025-05-15","Update HEM table Q1 2025\nAllow 1 year loss for company"]
["SME Servicing Calculator ","2025-05-15","Update HEM table Q1 2025"]
["SMSF","2025-05-15","Add IO term\nUpdate liquidity test to use actual repayment"]
["Serviceability Calculator","2025-08-28","Update HEM table Q2 2025\nChange Household will clean Household expense"]
["SME Servicing Calculator ","2025-08-28","Update HEM table Q2 2025\nChange Household will clean Household expense"]
["Serviceability Calculator","2025-11-20","Update HEM table Q3 2025\nUp to 10 loans"]
["SME Servicing Calculator ","2025-11-20","Update HEM table Q3 2025\nUp to 10 loans"]

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[]
[null,null,"SME Servicing Calculator V2.43",null,null,null,null,null,null,null,null,null,null,null,"Date:"]
[]
[null,null,"New Loan Commitment(s)","Loan 1","Loan 2","Loan 3"]
[null,null,"Application No"]
[null,null,"Repayment Type",{"$f":"IF(D8=0,\"\",IF(D8>D9,\"Principal & Interest\",\"Interest Only\"))","v":""},{"$f":"IF(E8=0,\"\",IF(E8>E9,\"Principal & Interest\",\"Interest Only\"))","v":""},{"$f":"IF(F8=0,\"\",IF(F8>F9,\"Principal & Interest\",\"Interest Only\"))","v":""}]
[null,null,"New Loan Amount"]
[null,null,"New Loan Term (Years)"]
[null,null,"Interest Only Term (Years)"]
[null,null,"Interest Rate of New Loan"]
[null,null,"New Monthly Interest Amount",{"$f":"D7*D10/12","v":0},{"$f":"E7*E10/12","v":0},{"$f":"F7*F10/12","v":0}]
[null,null,"New Monthly Loan Repayment/s",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$10/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$10)/12)))),0)","v":0},{"$f":"IFERROR(IF(E$6=\"\",0,(IF(E$6=\"Principal & Interest\",-PMT(E$10/12,(E$8-E$9)*12,E$7,0,0),((E$7*E$10)/12)))),0)","v":0},{"$f":"IFERROR(IF(F$6=\"\",0,(IF(F$6=\"Principal & Interest\",-PMT(F$10/12,(F$8-F$9)*12,F$7,0,0),((F$7*F$10)/12)))),0)","v":0},{"$f":"SUM(D12:F12)","v":0}]
[null,null,"Loan Assessment Rate",{"$f":"IF(D10+RepayCalculator!$B$6>RepayCalculator!$B$8,D10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(E10+RepayCalculator!$B$6>RepayCalculator!$B$8,E10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(F10+RepayCalculator!$B$6>RepayCalculator!$B$8,F10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"G14-G12","v":0}]
[null,null,"Stressed Loan Payments",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$13/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$13)/12)))),0)","v":0},{"$f":"IFERROR(IF(E$6=\"\",0,(IF(E$6=\"Principal & Interest\",-PMT(E$13/12,(E$8-E$9)*12,E$7,0,0),((E$7*E$13)/12)))),0)","v":0},{"$f":"IFERROR(IF(F$6=\"\",0,(IF(F$6=\"Principal & Interest\",-PMT(F$13/12,(F$8-F$9)*12,F$7,0,0),((F$7*F$13)/12)))),0)","v":0},{"$f":"SUM(D14:F14)","v":0}]
[null,null,"Stress Rate for ICR ",{"$f":"IF(D10+RepayCalculator!$B$6>RepayCalculator!$B$8,D10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(E10+RepayCalculator!$B$6>RepayCalculator!$B$8,E10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"IF(F10+RepayCalculator!$B$6>RepayCalculator!$B$8,F10+RepayCalculator!$B$6,RepayCalculator!$B$8)","v":5.2900000000000003E-2},{"$f":"G16-G12","v":0}]
[null,null,"Stressed monthly Amount for ICR ",{"$f":"D7*D15/12","v":0},{"$f":"E7*E15/12","v":0},{"$f":"F7*F15/12","v":0},{"$f":"SUM(D16:F16)","v":0}]
[]
[]
[null,null,"Household Status","Applicant Name","Household Number","Status","Dependents"]
[null,null,"Applicant 1"]
[null,null,"Applicant 2"]
[null,null,"Applicant 3"]
[null,null,"Applicant 4"]
[]
[null,null,"HEM Status",null,"Status","Dependents",null,null,"Household HEM",null,null,null,null,null,"Long Description","Income for HEM"]
[null,null,"Household 1",null,{"$f":"_xlfn.IFNA(VLOOKUP(C26,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C26,$G$20:$G$23)","v":0},null,{"$f":"LOOKUP(P26,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(O26,HEM!$B$12:$P$34,H26,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E26&\" with \"&F26&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($N$33:$N$36,C26,$D$33:$D$36)+SUMIF($N$40:$N$43,C26,$P$40:$P$43)+SUMIF($N$33:$N$36,C26,$E$33:$E$36)","v":0}]
[null,null,"Household 2",null,{"$f":"_xlfn.IFNA(VLOOKUP(C27,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C27,$G$20:$G$23)","v":0},null,{"$f":"LOOKUP(P27,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(O27,HEM!$B$12:$P$34,H27,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E27&\" with \"&F27&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($N$33:$N$36,C27,$D$33:$D$36)+SUMIF($N$40:$N$43,C27,$P$40:$P$43)+SUMIF($N$33:$N$36,C27,$E$33:$E$36)","v":0}]
[null,null,"Household 3",null,{"$f":"_xlfn.IFNA(VLOOKUP(C28,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C28,$G$20:$G$23)","v":0},null,{"$f":"LOOKUP(P28,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(O28,HEM!$B$12:$P$34,H28,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E28&\" with \"&F28&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($N$33:$N$36,C28,$D$33:$D$36)+SUMIF($N$40:$N$43,C28,$P$40:$P$43)+SUMIF($N$33:$N$36,C28,$E$33:$E$36)","v":0}]
[null,null,"Household 4",null,{"$f":"_xlfn.IFNA(VLOOKUP(C29,$E$20:$F$23,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($E$20:$E$23,C29,$G$20:$G$23)","v":0},null,{"$f":"LOOKUP(P29,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"},{"$f":"_xlfn.IFNA(VLOOKUP(O29,HEM!$B$12:$P$34,H29,FALSE),0)*52/12","v":0},null,null,null,null,null,{"$f":"E29&\" with \"&F29&\" children\"","v":"N/A with 0 children"},{"$f":"SUMIF($N$33:$N$36,C29,$D$33:$D$36)+SUMIF($N$40:$N$43,C29,$P$40:$P$43)+SUMIF($N$33:$N$36,C29,$E$33:$E$36)","v":0}]
[null,null,"Total",null,null,null,null,null,{"$f":"SUM(I26:I29)","v":0}]
[]
[null,null,"Income - Personal","Gross Taxable Income","Gross Non Taxable Income","Gross Rental Income","Net Monthly Income",null,null,null,null,null,null,null,"Gross Income - Taxable","Gross Income - Non-taxable"]
[null,null,"Applicant 1 - Personal Income",null,null,{"$f":"'Rental & Gearing (SME)'!I31","v":0},{"$f":"'Scales Tax'!$J$14+(P33/12)","v":0},null,null,null,null,null,null,{"$f":"E20","v":0},{"$f":"D33+P40","v":0},{"$f":"(D40*12)+E33","v":0}]
[null,null,"Applicant 2 - Personal Income",null,null,{"$f":"'Rental & Gearing (SME)'!I32","v":0},{"$f":"'Scales Tax'!$J$27+(P34/12)","v":0},null,null,null,null,null,null,{"$f":"E21","v":0},{"$f":"D34+P41","v":0},{"$f":"(D41*12)+E34","v":0}]
[null,null,"Applicant 3 - Personal Income",null,null,{"$f":"'Rental & Gearing (SME)'!I33","v":0},{"$f":"'Scales Tax'!$J$40+(P35/12)","v":0},null,null,null,null,null,null,{"$f":"E22","v":0},{"$f":"D35+P42","v":0},{"$f":"(D42*12)+E35","v":0}]
[null,null,"Applicant 4 - Personal Income",null,null,{"$f":"'Rental & Gearing (SME)'!I34","v":0},{"$f":"'Scales Tax'!$J$53+(P36/12)","v":0},null,null,null,null,null,null,{"$f":"E23","v":0},{"$f":"D36+P43","v":0},{"$f":"(D43*12)+E36","v":0}]
[null,null,null,null,null,null,{"$f":"SUM(G33:G36)","v":0},null,null,null,null,null,null,{"$f":"E24","v":0}]
[]
[null,null,"Interest on Rental Properties","Monthly Interest Expense\n(for gearing purposes only)",null,null,null,null,null,null,null,null,null,null,"Gross Annual Income - less haircut","Net Rental Income"]
[null,null,"Applicant 1 - Interest expense on rental properties",{"$f":"'Rental & Gearing (SME)'!J31/12","v":0},null,null,null,null,null,null,null,null,null,{"$f":"E20","v":0},{"$f":"'Rental & Gearing (SME)'!AC31","v":0},{"$f":"O40-(D40*12)","v":0}]
[null,null,"Applicant 2 - Interest expense on rental properties",{"$f":"'Rental & Gearing (SME)'!J32/12","v":0},null,null,null,null,null,null,null,null,null,{"$f":"E21","v":0},{"$f":"'Rental & Gearing (SME)'!AC32","v":0},{"$f":"O41-(D41*12)","v":0}]
[null,null,"Applicant 3 - Interest expense on rental properties",{"$f":"'Rental & Gearing (SME)'!J33/12","v":0},null,null,null,null,null,null,null,null,null,{"$f":"E22","v":0},{"$f":"'Rental & Gearing (SME)'!AC33","v":0},{"$f":"O42-(D42*12)","v":0}]
[null,null,"Applicant 4 - Interest expense on rental properties",{"$f":"'Rental & Gearing (SME)'!J34/12","v":0},null," ",null,null,null,null,null,null,null,{"$f":"E23","v":0},{"$f":"'Rental & Gearing (SME)'!AC34","v":0},{"$f":"O43-(D43*12)","v":0}]
[]
[null,null,null,null,null,null,null,null,"Total Income ","Company 1 Income ","Company 2 income "]
[null,null,"Business Income","Company Income","Depreciation Add-back",null,null,null,null,{"$f":"'Self Employed Calculator (SME)'!D34","v":0},{"$f":"'Self Employed Calculator (SME)'!D66","v":0},"Applicant 1"]
[null,null,"Company 1",0,0,null,{"$f":"'Scales Tax'!$J$83+(P47/12)","v":0},null,null,{"$f":"'Self Employed Calculator (SME)'!F34","v":0},{"$f":"'Self Employed Calculator (SME)'!F66","v":0},"Applicant 2",null,null,{"$f":"J54","v":0},{"$f":"E47","v":0}]
[null,null,"Company 2",0,0,null,{"$f":"IF(_GTI_ST=\"Sole Trade Income\",\"\",'Scales Tax'!$J$90+(P48/12))","v":0},null,null,{"$f":"'Self Employed Calculator (SME)'!H34","v":0},{"$f":"'Self Employed Calculator (SME)'!H66","v":0},"Applicant 3",null,null,{"$f":"J55","v":0},{"$f":"E48","v":0}]
[null,null,null,null,null,null,null,null,null,{"$f":"'Self Employed Calculator (SME)'!J34","v":0},{"$f":"'Self Employed Calculator (SME)'!J66","v":0},"Applicant 4"]
[]
[null,null,"Total Gross Income",null,null,null,{"$f":"SUM(D33:D36)+SUM(E33:E36)+SUM(D47:D48)+SUM(E47:E48)+SUM(F33:F36)","v":0}]
[null,null,"Total Monthly Income",null,null,null,{"$f":"+G37+SUM(G47:G48)","v":0}]
[null,null,null,null,null,null,null,null,null,"Company Income","Depreciation Add-back",{"$f":"IFERROR(IF(SE1Test=1,_SE1dep,IF(SE1Test=2,_SE1depadj,0)),\"\")","v":""}]
[null,null,"Less Living Allowance","Household 1","Household 2","Household 3","Household 4",null,null,{"$f":"SUM(J46:J49)","v":0},{"$f":"'Self Employed Calculator (SME)'!D36+'Self Employed Calculator (SME)'!F36+'Self Employed Calculator (SME)'!H36+'Self Employed Calculator (SME)'!J36","v":0}]
[null,null,"Basic Housing & Property Expense",null,null,null,null,null,null,{"$f":"SUM(K46:K49)","v":0},{"$f":"'Self Employed Calculator (SME)'!D68+'Self Employed Calculator (SME)'!F68+'Self Employed Calculator (SME)'!H68+'Self Employed Calculator (SME)'!J68","v":0}]
[null,null,"Investment Property Costs"]
[null,null,"Communication & Media"]
[null,null,"Food & Groceries"]
[null,null,"Recreation & Entertainment"]
[null,null,"Clothing & Personal Care"]
[null,null,"Medical & Health"]
[null,null,"Transport"]
[null,null,"Health & Personal Insurances"]
[null,null," Other Expenses"]
[null,null,"Monthly Living Expenses",{"$f":"SUM(D55:D64)","v":0},{"$f":"SUM(E55:E64)","v":0},{"$f":"SUM(F55:F64)","v":0},{"$f":"SUM(G55:G64)","v":0}]
[null,null,"Benchmark Living Expenses",{"$f":"_xlfn.IFNA(VLOOKUP($O$26,HEM!$B$12:$P$34,$H$26,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($O$27,HEM!$B$12:$P$34,$H$27,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($O$28,HEM!$B$12:$P$34,$H$28,FALSE),0)*52/12","v":0},{"$f":"_xlfn.IFNA(VLOOKUP($O$29,HEM!$B$12:$P$34,$H$29,FALSE),0)*52/12","v":0}]
[null,null,"Living Expense Used (> of HEM or Actual)",{"$f":"IF(D66>D65,D66,D65)","v":0},{"$f":"IF(E66>E65,E66,E65)","v":0},{"$f":"IF(F66>F65,F66,F65)","v":0},{"$f":"IF(G66>G65,G66,G65)","v":0}]
[null,null,"Private Schooling"]
[null,null,"Child Support / Spousal maintenance"]
[null,null,"Rent / Board"]
[null,null,{"$f":"\"WARNING - \"&IF(D65<D66,\"Household 1 \",\"\")&IF(E65<E66,\"Household 2 \",\"\")&IF(F65<F66,\"Household 3 \",\"\")&IF(G65<G66,\"Household 4 \",\"\")&\"declared living expenses are below benchmark. Detailed review of living expenses required\"","v":"WARNING - declared living expenses are below benchmark. Detailed review of living expenses required"}]
[null,null,"Total Living Expenses",null,null,null,{"$f":"SUM(D67:G67)","v":0}]
[null,null,"Rent, Board & Child Support",null,null,null,{"$f":"SUM(D68:G70)","v":0}]
[null,null,"Total Expenses",null,null,null,{"$f":"G72+G73","v":0}]
[]
[null,null,"Total Income Available ",null,null,null,{"$f":"G52-G74","v":0}]
[]
[]
[null,null,"Less Existing Commitments","Debt / Limit","Monthly Pmt"]
[null,null,"Credit Card (Limit not debt)",null,{"$f":"D80*0.0383","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total Existing Commitments",null,null,null,{"$f":"SUM(E80:E91)","v":0}]
[null,null,"Existing Commitments Sensitivity",null,null,null,{"$f":"SUM(D81:D91)/12*2.25%","v":0}]
[null,null,null,null,null,"Total Stressed Commitments",{"$f":"SUM(G93:G94)","v":0}]
[null,null,null,null,null,"Existing Commitments Sensitivity(Non-Coded)",{"$f":"SUM(D81:D91)/12*RepayCalculator!B6","v":0}]
[null,null,"Total Stressed Commitments(Non-Coded)",null,null,null,{"$f":"SUM(G95:G96)","v":0}]
[]
[null,null,null,null,null,null,"Summary",null,{"$f":"G37+G47+G48-G74","v":0}]
[null,null,"Result - Must Be Positive",null,null,null,{"$f":"G76-G95-G14","v":0},null,{"$f":"G16+G97","v":0}]
[null,null,"For Coded loan",null,null,null,{"$f":"IF(AND(G100>0),\"PASS\",\"FAIL\")","v":"FAIL"},null,{"$f":"I99/I100","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Interest Coverage Ratio",null,null,null,{"$f":"+L103/L104","v":{"$error":"#DIV/0!"}},null,"EBIAT (earnings before interest after taxes) ",null,null,{"$f":"G51","v":0}]
[null,null,null,null,null,"For Non-Coded loan",{"$f":"IF(AND(G103>1.75,G100>0,G108>1.001),\"PASS\",\"FAIL\")","v":{"$error":"#DIV/0!"}},null,"Annual Interest Expense (unstressed)",null,null,{"$f":"(SUM(D16:F16)+SUM(D81:D91)*RepayCalculator!B6/12+E80)*12","v":0}]
[null,null,null,null,null,"Stressed Interest Coverage Ratio",{"$f":"+L103/L105","v":{"$error":"#DIV/0!"}},null,"Annual Interest Expense (stressed)",null,null,{"$f":"(SUM(D16:F16)+SUM(D81:D91)*RepayCalculator!B8/12+E80)*12","v":0}]
[]
[null,null,"DTI",null,null,null,{"$f":"(SUM(D80:D91)+SUM(D7:F7))/G51","v":{"$error":"#DIV/0!"}},null,{"$f":"((G76-G93-G94)/(D10+1.7%)*12)","v":0}]
[null,null,null,null,null,"NDI Ratio (NDI Ratio must be at least 1.001:1)",{"$f":"G52/(G95+G14+G74)","v":{"$error":"#DIV/0!"}}]
[null,null,{"$f":"IFERROR(IF(OR(G107>6,G100<500),\"Supplementary supporting documents are required: \"&\"                                                                                                                                                                                                                     \"&\n\"- 3 months bank account statements showing regular salary credits OR\n- Income statement from ATO (via MyGov) confirming Previous FY and Current YTD income. Screenshot acceptable to support current income figure.\",\"\"),\"\")","v":""}]
[]
[null,null,"Maximum Loan Available - Principal & Interest loans only",null,null,null,{"$f":"IF(OR(E7>0,F7>0),\"N/A - Multiple loans\",IF(D6=\"Principal & Interest\",FLOOR(-PV((D13)/12,(D8-D9)*12,(G76-G95),0,0),100),\"N/A\"))","v":"N/A"}]

{"sheet":"SMSF Servicing Calculator","index":6,"n_rows":122,"n_cols":15,"rows_kept":122,"cut":false,"hidden":false,"merged":[[42,4,42,5],[43,4,43,5],[10,4,10,6],[12,4,12,5],[14,4,14,5],[15,4,15,5],[16,4,16,5],[29,4,29,5],[30,4,30,5],[20,4,20,6],[21,4,21,5],[22,4,22,5],[23,4,23,5],[24,4,24,5],[5,4,5,5],[121,4,121,5],[100,13,100,14],[2,5,2,6],[38,4,38,5],[33,4,33,5],[36,4,36,5],[11,4,11,5],[4,3,4,6],[6,4,6,5],[7,4,7,5],[8,4,8,5],[13,4,13,5],[28,4,28,5],[26,4,26,6],[27,4,27,5]]}
[]
[]
[null,null,"SMSF Servicing Calculator V2.43",null,null,{"$f":"TODAY()","v":"2025-12-04"}]
[null,null,"Application Details"]
[null,null,"Applicant / SMSF Name","Enter Name Here"]
[null,null,"Loan Value",null,"Loan Term"]
[null,null,"Security Value",null,"I/O Term"]
[null,null,"LVR",{"$f":"D6/D7","v":{"$error":"#DIV/0!"}},"Interest Rate"]
[null,null,"Assessment Rate",{"$f":"IF(G8<3.5%,5.5%,G8+RepayCalculator!B6)","v":5.5E-2},"Assessed Proposed Monthly Repayments",null,{"$f":"-PMT(D$9/12,(G6-G7)*12,D6,0,0)","v":{"$error":"#NUM!"}}]
[]
[null,null,"Annual income",null,"Funds To Complete"]
[null,null,"Mandatory contributions",null,"Purchase Price"]
[null,null,"Additional contributions",null,"Refinance Amount"]
[null,null,"Total Rental income",null,"Government Charges"]
[null,null,"CMA Balance",null,"Solicitor Fees / Other Costs"]
[null,null,"Other Asset Balance(Share,Term Deposit etc.)",null,"Deposit Paid"]
[null,null,"Other income from the fund",null,"Total  Surplus Funds",null,{"$f":"G16+D15+D16+D6-(G12+G13+G14+G15)","v":0}]
[]
[null,null,"Annual fund expenses",null,"Additional SMSF Commitment No."]
[]
[null,null,{"$f":"IF(OR(ISBLANK(G19),G19=0,G19=1),\"Existing Commitments\",\"Existing Commitments (Existing SMSF Investment 1)\")","v":"Existing Commitments"},null,"Existing Commitments (Existing SMSF Investment 2)"]
[null,null,"Property Value",null,"Property Value"]
[null,null,"Other Investment loan balances",null,"Other Investment loan balances"]
[null,null,"Other Investment loan Interest rate",null,"Other Investment loan Interest rate"]
[null,null,"Monthly repayment",null,"Monthly repayment"]
[]
[null,null,"Existing Commitments (Existing SMSF Investment 3)",null,"Existing Commitments (Existing SMSF Investment 4)"]
[null,null,"Property Value",null,"Property Value"]
[null,null,"Other Investment loan balances",null,"Other Investment loan balances"]
[null,null,"Other Investment loan Interest rate",null,"Other Investment loan Interest rate"]
[null,null,"Monthly repayment",null,"Monthly repayment"]
[]
[null,null,"Results"]
[null,null,"Total Gross Income",{"$f":"'Calculations breakdown'!C6","v":0},"NDI",null,{"$f":"'Calculations breakdown'!C28","v":{"$error":"#NUM!"}}]
[null,null,"Less Annual fund expenses",{"$f":"'Calculations breakdown'!C12","v":2000}]
[null,null,"Less Investment loan interest add back",{"$f":"SUM('Calculations breakdown'!C7:C11)","v":0}]
[null,null,"Net Annual Income",{"$f":"'Calculations breakdown'!C15","v":0},"NSI per month",null,{"$f":"'Calculations breakdown'!C26","v":{"$error":"#NUM!"}}]
[null,null,"Less Tax",{"$f":"'Calculations breakdown'!C14","v":0}]
[null,null,"Annual Surplus Income",{"$f":"'Calculations breakdown'!C21","v":-2000},"Servicebility Outcome",null,{"$f":"IF(AND(G37>41.67,G34>1),\"Pass\",\"Fail\")","v":{"$error":"#NUM!"}}]
[null,null,"Less other commitments",{"$f":"'Calculations breakdown'!C16","v":0}]
[null,null,"Less fund expenses",{"$f":"'Calculations breakdown'!C17","v":2000}]
[]
[null,null,"Actual Proposed Monthly Repayments",{"$f":"'Calculations breakdown'!D22","v":{"$error":"#NUM!"}},"Liquidity - Min 3 Mths Repayment",null,{"$f":"IF(G17>(D43*3),\"Pass\",\"Fail\")","v":{"$error":"#NUM!"}}]
[null,null,"Assessed Proposed Monthly Repayments",{"$f":"'Calculations breakdown'!D23","v":{"$error":"#NUM!"}},"Net Asset Test",null,{"$f":"(D7+D22+D28+G22+G28+G17)-(D6+D23+G23+D29+G29)","v":0}]
[]
[]
[null,null,"Personal Details"]
[null,null,"Household Status","Household","Status","Dependents\n(only enter once for each household)"]
[null,null,"SMSF Member 1",null,null,null,null,null,null,null,null,null,null,0]
[null,null,"SMSF Member 2"]
[null,null,"SMSF Member 3"]
[null,null,"SMSF Member 4"]
[null,null,"SMSF Member 5"]
[null,null,"SMSF Member 6"]
[]
[null,null,"HEM Status","Dependents","Long Description","Household HEM",null,null,null,null,null,null,"Status","Income for HEM"]
[null,null,"Household 1",{"$f":"SUMIF($D$49:$D$54,C57,$F$49:$F$54)","v":0},{"$f":"M57&\" with \"&D57&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E57,HEM!$B$12:$P$34,O57,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C57,$D$49:$E$54,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($M$67:$M$72,C57,$D$67:$D$72)+SUMIF($M$67:$M$72,C57,$E$67:$E$72)+SUMIF($M$76:$M$81,C57,$O$76:$O$81)","v":0},{"$f":"LOOKUP(N57,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Household 2",{"$f":"SUMIF($D$49:$D$54,C58,$F$49:$F$54)","v":0},{"$f":"M58&\" with \"&D58&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E58,HEM!$B$12:$P$34,O58,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C58,$D$49:$E$54,2,FALSE),\"N/A\")","v":"N/A"},0,{"$f":"LOOKUP(N58,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Household 3",{"$f":"SUMIF($D$49:$D$54,C59,$F$49:$F$54)","v":0},{"$f":"M59&\" with \"&D59&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E59,HEM!$B$12:$P$34,O59,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C59,$D$49:$E$54,2,FALSE),\"N/A\")","v":"N/A"},0,{"$f":"LOOKUP(N59,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Household 4",{"$f":"SUMIF($D$49:$D$54,C60,$F$49:$F$54)","v":0},{"$f":"M60&\" with \"&D60&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E60,HEM!$B$12:$P$34,O60,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C60,$D$49:$E$54,2,FALSE),\"N/A\")","v":"N/A"},0,{"$f":"LOOKUP(N60,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Household 5",0,"N/A with 0 children",{"$f":"_xlfn.IFNA(VLOOKUP(E61,HEM!$B$12:$P$34,O61,FALSE),0)*52/12","v":0},null,null,null,null,null,null,"N/A",0,{"$f":"LOOKUP(N61,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Household 6",0,"N/A with 0 children",{"$f":"_xlfn.IFNA(VLOOKUP(E62,HEM!$B$12:$P$34,O62,FALSE),0)*52/12","v":0},null,null,null,null,null,null,"N/A",0,{"$f":"LOOKUP(N62,HEM!$C$9:$P$9,HEM!$C$7:$P$7)","v":"2"}]
[null,null,"Total",null,null,{"$f":"SUM(F57:F62)","v":0}]
[]
[]
[null,null,"Income","Gross Taxable Income","Gross Non-Taxable Income","Net Monthly Income",null,null,null,null,null,null,null,"Gross Income - Taxable","Gross Income - Non-taxable"]
[null,null,"SMSF Member 1 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y14+(O67/12)","v":0},null,null,null,null,null,null,{"$f":"D49","v":0},{"$f":"D67+O76","v":0},{"$f":"(E76*12)+E67","v":0}]
[null,null,"SMSF Member 2 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y27+(O68/12)","v":0},null,null,null,null,null,null,0,0,0]
[null,null,"SMSF Member 3 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y40+(O69/12)","v":0},null,null,null,null,null,null,0,0,0]
[null,null,"SMSF Member 4 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y53+(O70/12)","v":0},null,null,null,null,null,null,0,{"$f":"D70+O79","v":0},0]
[null,null,"SMSF Member 5 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y89+(O71/12)","v":0},null,null,null,null,null,null,0,{"$f":"D71+O80","v":0},0]
[null,null,"SMSF Member 6 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y102+(O72/12)","v":0},null,null,null,null,null,null,0,{"$f":"D72+O81","v":0},0]
[null,null,null,null,null,{"$f":"SUM(F67:F72)","v":0}]
[]
[null,null,"Rental Property Income","Gross Annual Income","Monthly Interest Expense\n(for gearing purposes only)",null,null,null,null,null,null,null,null,"Gross Annual Income - less haircut","Net Rental Income"]
[null,null,"SMSF Member 1 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,{"$f":"D49","v":0},{"$f":"D76*RepayCalculator!$B$44","v":0},{"$f":"N76-(E76*12)","v":0}]
[null,null,"SMSF Member 2 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,0,{"$f":"D77*RepayCalculator!$B$44","v":0},{"$f":"N77-(E77*12)","v":0}]
[null,null,"SMSF Member 3 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,0,{"$f":"D78*RepayCalculator!$B$44","v":0},{"$f":"N78-(E78*12)","v":0}]
[null,null,"SMSF Member 4 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,0,{"$f":"D79*RepayCalculator!$B$44","v":0},{"$f":"N79-(E79*12)","v":0}]
[null,null,"SMSF Member 5 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,0,{"$f":"D80*RepayCalculator!$B$44","v":0},0]
[null,null,"SMSF Member 6 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,0,{"$f":"D81*RepayCalculator!$B$44","v":0},0]
[]
[null,null,"Company Income","Net Profit before tax (NPBT)","Addbacks"]
[null,null,"Company 1 (Net Profit Before Tax)",null,null,{"$f":"'Tax Scales'!Y109+(E84/12)","v":0},null,null,null,null,null,null,null,{"$f":"D84/12","v":0}]
[null,null,"Company 2 (Net Profit Before Tax)",null,null,{"$f":"'Tax Scales'!Y116+(E85/12)","v":0},null,null,null,null,null,null,null,{"$f":"D85/12","v":0}]
[null,null,null,null,null,{"$f":"SUM(F84:F85)","v":0}]
[]
[null,null,"Total Income",null,{"$f":"SUM(D67:D72)+SUM(E67:E68)+SUM(D84:D85)+SUM(D76:D81)","v":0},{"$f":"+F73+F86","v":0},null,null,null,null,null,null,null,{"$f":"SUM(N67:N76)","v":0}]
[]
[null,null,"Less Living Allowance"]
[null,null,"Monthly Living Expenses"]
[null,null,"Living Expense Used (> of HEM or Actual)",null,{"$f":"IF(F63>E91,F63,E91)","v":0}]
[null,null,"Private Schooling"]
[null,null,"Rent / Board"]
[null,null,"Child Support / Maintenance"]
[null,null,"Total Living Expenses",null,null,{"$f":"SUM($E$92:$E$95)","v":0}]
[]
[null,null,"Total income available for debt & housing servicing",null,null,{"$f":"F88-F96","v":0}]
[]
[null,null,"Less Existing Commitments",null,"Debt / Limit","Monthly Pmt"]
[null,null,"Credit Card (Limit not debt)",null,null,{"$f":"E101*3.83%","v":0},null,null,null,null,null,null,null,"Loan balance sensitivity"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,F102,E102*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((N102+RepayCalculator!$B$7)/12,360,E102,0,0)<(PMT(RepayCalculator!$B$8/12,360,E102,0,0)),(PMT((N102+RepayCalculator!$B$7)/12,360,E102,0,0)*-1)-F102,(PMT((RepayCalculator!$B$8)/12,360,E102,0,0)*-1)-F102)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,F103,E103*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((N103+RepayCalculator!$B$7)/12,360,E103,0,0)<(PMT(RepayCalculator!$B$8/12,360,E103,0,0)),(PMT((N103+RepayCalculator!$B$7)/12,360,E103,0,0)*-1)-F103,(PMT((RepayCalculator!$B$8)/12,360,E103,0,0)*-1)-F103)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N104+RepayCalculator!$B$7)/12,360,E104,0,0)<(PMT(RepayCalculator!$B$8/12,360,E104,0,0)),(PMT((N104+RepayCalculator!$B$7)/12,360,E104,0,0)*-1)-F104,(PMT((RepayCalculator!$B$8)/12,360,E104,0,0)*-1)-F104)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N105+RepayCalculator!$B$7)/12,360,E105,0,0)<(PMT(RepayCalculator!$B$8/12,360,E105,0,0)),(PMT((N105+RepayCalculator!$B$7)/12,360,E105,0,0)*-1)-F105,(PMT((RepayCalculator!$B$8)/12,360,E105,0,0)*-1)-F105)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N106+RepayCalculator!$B$7)/12,360,E106,0,0)<(PMT(RepayCalculator!$B$8/12,360,E106,0,0)),(PMT((N106+RepayCalculator!$B$7)/12,360,E106,0,0)*-1)-F106,(PMT((RepayCalculator!$B$8)/12,360,E106,0,0)*-1)-F106)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N107+RepayCalculator!$B$7)/12,360,E107,0,0)<(PMT(RepayCalculator!$B$8/12,360,E107,0,0)),(PMT((N107+RepayCalculator!$B$7)/12,360,E107,0,0)*-1)-F107,(PMT((RepayCalculator!$B$8)/12,360,E107,0,0)*-1)-F107)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N108+RepayCalculator!$B$7)/12,360,E108,0,0)<(PMT(RepayCalculator!$B$8/12,360,E108,0,0)),(PMT((N108+RepayCalculator!$B$7)/12,360,E108,0,0)*-1)-F108,(PMT((RepayCalculator!$B$8)/12,360,E108,0,0)*-1)-F108)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N109+RepayCalculator!$B$7)/12,360,E109,0,0)<(PMT(RepayCalculator!$B$8/12,360,E109,0,0)),(PMT((N109+RepayCalculator!$B$7)/12,360,E109,0,0)*-1)-F109,(PMT((RepayCalculator!$B$8)/12,360,E109,0,0)*-1)-F109)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N110+RepayCalculator!$B$7)/12,360,E110,0,0)<(PMT(RepayCalculator!$B$8/12,360,E110,0,0)),(PMT((N110+RepayCalculator!$B$7)/12,360,E110,0,0)*-1)-F110,(PMT((RepayCalculator!$B$8)/12,360,E110,0,0)*-1)-F110)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N111+RepayCalculator!$B$7)/12,360,E111,0,0)<(PMT(RepayCalculator!$B$8/12,360,E111,0,0)),(PMT((N111+RepayCalculator!$B$7)/12,360,E111,0,0)*-1)-F111,(PMT((RepayCalculator!$B$8)/12,360,E111,0,0)*-1)-F111)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N112+RepayCalculator!$B$7)/12,360,E112,0,0)<(PMT(RepayCalculator!$B$8/12,360,E112,0,0)),(PMT((N112+RepayCalculator!$B$7)/12,360,E112,0,0)*-1)-F112,(PMT((RepayCalculator!$B$8)/12,360,E112,0,0)*-1)-F112)","v":0}]
[null,null,null,null,{"$f":"SUM(E101:E112)","v":0},{"$f":"SUM(F101:F112)","v":0}]
[null,null,null,null,"Loan Assessment Rate (2.25% stress / minimum 5.29%)",{"$f":"SUM(E102:E112)/12*2.25%","v":0}]
[null,null,null,null,null,{"$f":"SUM(F113:F114)","v":0}]
[]
[null,null,"Net Personal Servicing Position",null,null,{"$f":"F98-F115","v":0}]
[]
[]
[]
[null,null,"Result - Must Be Positive",null,null,{"$f":"G37+F98-F115","v":{"$error":"#NUM!"}}]
[null,null,null,null," Debt to Income Ratio (DTI)",null,{"$f":"(D23+G23+D29+G29+D6+SUM(E101:E112))/(SUM(D12:D14)+E88)","v":{"$error":"#DIV/0!"}}]

{"sheet":"Calculations breakdown","index":7,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":true,"merged":[[25,3,25,4],[26,3,26,4],[27,3,27,4],[24,3,24,4]]}
[]
[null,null,"Annual","Monthly","Assessed %"]
[null,"Mandatory contributions",{"$f":"SUM('SMSF Servicing Calculator'!D12*E3)","v":0},{"$f":"C3/12","v":0},1]
[null,"Other income ",{"$f":"SUM('SMSF Servicing Calculator'!D17*E4)","v":0},{"$f":"C4/12","v":0},0.8]
[null,"Rental income",{"$f":"SUM('SMSF Servicing Calculator'!D14*E5)","v":0},{"$f":"C5/12","v":0},0.8]
[null,"Total gross income",{"$f":"SUM(C3:C5)","v":0},{"$f":"C6/12","v":0}]
[null,"less Other investment loans 1 add back",{"$f":"('SMSF Servicing Calculator'!D23*D7)+C18","v":0},{"$f":"IF('SMSF Servicing Calculator'!D24<E7,E7,'SMSF Servicing Calculator'!D24)","v":0.03},0.03,"Deemed rate"]
[null,"less Other investment loans 2 add back",{"$f":"('SMSF Servicing Calculator'!G23*D8)","v":0},{"$f":"IF('SMSF Servicing Calculator'!G24<E8,E8,'SMSF Servicing Calculator'!G24)","v":0.03},0.03]
[null,"less Other investment loans 3 add back",{"$f":"('SMSF Servicing Calculator'!D29*D9)","v":0},{"$f":"IF('SMSF Servicing Calculator'!D30<E9,E9,'SMSF Servicing Calculator'!D30)","v":0.03},0.03]
[null,"less Other investment loans 4 add back",{"$f":"('SMSF Servicing Calculator'!G29*D10)","v":0},{"$f":"IF('SMSF Servicing Calculator'!G30<E10,E10,'SMSF Servicing Calculator'!G30)","v":0.03},0.03]
[null,"less Investment loan add back (Tax deduction)",{"$f":"'SMSF Servicing Calculator'!D6*'SMSF Servicing Calculator'!G8","v":0}]
[null,"less Fund expenses (tax deductible)",{"$f":"IF('SMSF Servicing Calculator'!D19<2000,2000,'SMSF Servicing Calculator'!D19)","v":2000}]
[null,"Taxable income",{"$f":"IF(SUM(C6-C7-C8-C9-C10-C11-C12)<0,0,SUM(C6-C7-C8-C9-C10-C11-C12))","v":0}]
[null,"less Tax (calculated on Taxable income)",{"$f":"IF(C13>0,C13*E14,0)","v":0},null,0.15,"All income taxed"]
[null,"Net Annual Income",{"$f":"SUM(C6-C14)","v":0},{"$f":"C15/12","v":0}]
[null,"less all other commitments",{"$f":"(('SMSF Servicing Calculator'!D25+'SMSF Servicing Calculator'!G25+'SMSF Servicing Calculator'!D31+'SMSF Servicing Calculator'!G31)*12)","v":0},{"$f":"C16/12","v":0}]
[null,"less Fund expenses",{"$f":"IF('SMSF Servicing Calculator'!D19<2000,2000,'SMSF Servicing Calculator'!D19)","v":2000},{"$f":"C17/12","v":166.66666666666666}]
[null,"less sensitivity on loan balance",{"$f":"('SMSF Servicing Calculator'!D23+'SMSF Servicing Calculator'!G23+'SMSF Servicing Calculator'!D29+'SMSF Servicing Calculator'!G29)*E18","v":0},{"$f":"C18/12","v":0},0,"To activate sensitivity on existing loan limits"]
[null,"less sensitivity on loan repayments",{"$f":"D19*12","v":0},{"$f":"('SMSF Servicing Calculator'!D25+'SMSF Servicing Calculator'!G25+'SMSF Servicing Calculator'!D31+'SMSF Servicing Calculator'!G31)*'Calculations breakdown'!E19","v":0},0.2,"To activate sensitivity on existing loan repayments"]
[null,"Additional contributions",{"$f":"SUM('SMSF Servicing Calculator'!D13*E20)","v":0},{"$f":"C20/12","v":0},1]
[null,"Surplus for servicing",{"$f":"SUM(C15-C16-C17-C18-C19)+C20","v":-2000},{"$f":"C21/12","v":-166.66666666666666}]
[null,"Actual repayments for this loan",{"$f":"D22*12","v":{"$error":"#NUM!"}},{"$f":"PMT('SMSF Servicing Calculator'!G8/12,('SMSF Servicing Calculator'!G6-'SMSF Servicing Calculator'!G7)*12,-'SMSF Servicing Calculator'!D6)","v":{"$error":"#NUM!"}},null,"Excludes all sensitivity"]
[null,"Assessed repayments for this loan",{"$f":"(D23*12)","v":{"$error":"#NUM!"}},{"$f":"PMT('SMSF Servicing Calculator'!D9/12,('SMSF Servicing Calculator'!G6-'SMSF Servicing Calculator'!G7)*12,-'SMSF Servicing Calculator'!D6)","v":{"$error":"#NUM!"}}]
[]
[null,"DTI",{"$f":"'SMSF Servicing Calculator'!D6/('SMSF Servicing Calculator'!D12+'SMSF Servicing Calculator'!D13+'SMSF Servicing Calculator'!D17+'SMSF Servicing Calculator'!D14)","v":{"$error":"#DIV/0!"}}]
[null,"Surplus amount per month",{"$f":"D21-D23","v":{"$error":"#NUM!"}},"Must meet $41.67"]
[null,"Surplus amount per annum",{"$f":"(D21-D23)*12","v":{"$error":"#NUM!"}},"Must meet $500 P/A"]
[null,"NDI used for result",{"$f":"C21/C23","v":{"$error":"#NUM!"}},"NDI >1"]
[null,"Actual NDI",{"$f":"C21/C22","v":{"$error":"#NUM!"}}]

{"sheet":"Self Employed Calculator","index":8,"n_rows":98,"n_cols":49,"rows_kept":98,"cut":false,"hidden":true,"merged":[[57,7,57,10],[59,7,59,10],[60,2,60,3],[27,7,27,10],[28,2,28,3],[39,7,39,10],[42,7,53,10],[41,7,41,10],[2,1,2,2],[3,3,3,5],[7,7,7,10],[25,7,25,10],[9,7,9,10],[10,7,21,10]]}
[]
[]
[]
[null,null,"Self employed worksheet"]
[null,null,"Self employed - Business 1"]
[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrev=0,TaxYearCur=0),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D8)<>VALUE(F8)+1),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D8)<>VALUE(F8)+1,\"Error - Tax years not in consecutive order\",IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (before tax)",null,null,null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),\"\",IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCur-NonRecIncCur","v":0},null,{"$f":"ProfitPrev-NonRecIncPrev","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)",null,null,null,null,null,null,null,null,null,null,"Depreciation Calculation"]
[null,null,"Depreciation *",null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(SE1Test=1,_SE1dep,IF(SE1Test=2,_SE1depadj,0)),\"\")","v":""},{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),(D16+F16)/2,IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),MAX(D16,F16),\"\"))","v":""},null,{"$f":"Bus1App1Inc","v":0}]
[null,null,"Interest expenses (loans being refinanced)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),IF(D16<F16,MIN(D16,O16),MIN(O16,F16+ABS(F16*0.2))),IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),MAX(D16,F16),\"\"))","v":""},null,{"$f":"Bus1App2Inc","v":0}]
[null,null,"Superannuation (in excess of compulsory)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus1App3Inc","v":0}]
[null,null,"Non-recurring expenses (please specify)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus1App4Inc","v":0}]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D15+D17+D18+D19+D20","v":0},null,{"$f":"F15+F17+F18+F19+F20","v":0}]
[]
[null,null,"Net available income",{"$f":"D13+D22","v":0},null,{"$f":"F13+F22","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),(F24+D24)/2,IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),IF(D24<0,D24,IF(F24<0,F24,MAX(D24,F24))),0))","v":0},null,{"$f":"IF(AND(SE1netAv>0,SE1netAv>SE1netAvAdj,SE1Test=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),IF(D24<F24,MIN(D24,F26),MIN(F26,F24+ABS(F24*0.2))),IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),IF(D24<0,D24,IF(F24<0,F24,MAX(D24,F24))),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D32+F32+H32+J32,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,K32,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus1_App2Distr-Bus1_App3Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App1Distr-Bus1_App3Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App2Distr-Bus1_App1Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(1-Bus1_App2Distr-Bus1_App3Distr-Bus1_App1Distr,8)","v":1}]
[]
[null,null,"Income distribution for business 1",{"$f":"IFERROR(IF(SE1Test=1,Bus1_App1Distr*SE1netAv,IF(SE1Test=2,Bus1_App1Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App2Distr*SE1netAv,IF(SE1Test=2,Bus1_App2Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App3Distr*SE1netAv,IF(SE1Test=2,Bus1_App3Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App4Distr*SE1netAv,IF(SE1Test=2,Bus1_App4Distr*SE1netAvAdj,0)),\"\")","v":0}]
[]
[null,null,"Depreciation ",{"$f":"IF('Self Employed Calculator'!$N$16=\"\",0,'Self Employed Calculator'!$N$16)*Bus1_App1Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!$N$16=\"\",0,'Self Employed Calculator'!$N$16)*Bus1_App2Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!$N$16=\"\",0,'Self Employed Calculator'!$N$16)*Bus1_App3Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!$N$16=\"\",0,'Self Employed Calculator'!$N$16)*Bus1_App4Distr","v":0}]
[null,null,"Self employed - Business 2"]
[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrev2=0,TaxYearCur2=0),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D40)<>VALUE(F40)+1),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D40)<>VALUE(F40)+1,\"Error - Tax years not in consecutive order\",IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (before tax)",null,null,null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),\"\",IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCur2-NonRecIncCur2","v":0},null,{"$f":"ProfitPrev2-NonRecIncPrev2","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)",null,null,null,null,null,null,null,null,null,null,"Depreciation Calculation"]
[null,null,"Depreciation *",null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(SE2Test=1,_SE2dep,IF(SE2Test=2,_SE2depadj,0)),\"\")","v":""},{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),(D48+F48)/2,IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),MAX(D48,F48),\"\"))","v":""},null,{"$f":"Bus2App1Inc","v":0}]
[null,null,"Interest expenses (loans being refinanced)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),IF(D48<F48,MIN(D48,O48),MIN(O48,F48+ABS(F48*0.2))),IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),MAX(D48,F48),\"\"))","v":""},null,{"$f":"Bus2App2Inc","v":0}]
[null,null,"Superannuation (in excess of compulsory)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus2App3Inc","v":0}]
[null,null,"Non-recurring expenses (please specify)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus2App4Inc","v":0}]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D47+D49+D50+D51+D52","v":0},null,{"$f":"F47+F49+F50+F51+F52","v":0}]
[]
[null,null,"Net available income",{"$f":"D45+D54","v":0},null,{"$f":"F45+F54","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),(F56+D56)/2,IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),IF(D56<0,D56,IF(F56<0,F56,MAX(D56,F56))),0))","v":0},null,{"$f":"IF(AND(SE2netAv>0,SE2netAv>SE2netAvAdj,SE2Test=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),IF(D56<F56,MIN(D56,F58),MIN(F58,F56+ABS(F56*0.2))),IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),IF(D56<0,D56,IF(F56<0,F56,MAX(D56,F56))),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D64+F64+H64+J64,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,K64,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App3Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App1Distr-Bus2_App3Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App1Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App3Distr-Bus2_App1Distr,0),8)","v":1}]
[]
[null,null,"Income distribution for business 2",{"$f":"IFERROR(IF(SE2Test=1,Bus2_App1Distr*SE2netAv,IF(SE2Test=2,Bus2_App1Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App2Distr*SE2netAv,IF(SE2Test=2,Bus2_App2Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App3Distr*SE2netAv,IF(SE2Test=2,Bus2_App3Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App4Distr*SE2netAv,IF(SE2Test=2,Bus2_App4Distr*SE2netAvAdj,0)),\"\")","v":0}]
[]
[null,null,"Depreciation ",{"$f":"IF('Self Employed Calculator'!N48=\"\",0,'Self Employed Calculator'!N48)*Bus2_App1Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!N48=\"\",0,'Self Employed Calculator'!N48)*Bus2_App2Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!N48=\"\",0,'Self Employed Calculator'!N48)*Bus2_App3Distr","v":0},null,{"$f":"IF('Self Employed Calculator'!N48=\"\",0,'Self Employed Calculator'!N48)*Bus2_App4Distr","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]

{"sheet":"Self Employed Calculator (SME)","index":9,"n_rows":98,"n_cols":49,"rows_kept":98,"cut":false,"hidden":true,"merged":[[25,7,25,10],[2,1,2,2],[3,3,3,5],[7,7,7,10],[9,7,9,10],[10,7,21,10],[59,7,59,10],[60,2,60,3],[27,7,27,10],[28,2,28,3],[39,7,39,10],[41,7,41,10],[42,7,53,10],[57,7,57,10]]}
[]
[]
[]
[null,null,"Self employed worksheet"]
[null,null,"Self employed - Business 1"]
[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrevSME=0,TaxYearCurSME=0),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D8)<>VALUE(F8)+1),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D8)<>VALUE(F8)+1,\"Error - Tax years not in consecutive order\",IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (before tax)",null,null,null,null,{"$f":"IF(AND(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),\"\",IF(OR(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCurSME-NonRecIncCurSME","v":0},null,{"$f":"ProfitPrevSME-NonRecIncPrevSME","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)",null,null,null,null,null,null,null,null,null,null,"Depreciation Calculation"]
[null,null,"Depreciation *",null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(SE1TestSME=1,_SE1depSME,IF(SE1TestSME=2,_SE1depadjSME,0)),\"\")","v":""},{"$f":"IF(AND(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),(D16+F16)/2,IF(OR(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),MAX(D16,F16),\"\"))","v":""},null,{"$f":"Bus1App1IncSME","v":0}]
[null,null,"Interest expenses (loans being refinanced)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),IF(D16<F16,MIN(D16,O16),MIN(O16,F16+ABS(F16*0.2))),IF(OR(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),MAX(D16,F16),\"\"))","v":""},null,{"$f":"Bus1App2IncSME","v":0}]
[null,null,"Superannuation (in excess of compulsory)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus1App3IncSME","v":0}]
[null,null,"Non-recurring expenses (please specify)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus1App4IncSME","v":0}]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D15+D17+D18+D19+D20","v":0},null,{"$f":"F15+F17+F18+F19+F20","v":0}]
[]
[null,null,"Net available income",{"$f":"D13+D22","v":0},null,{"$f":"F13+F22","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),(F24+D24)/2,IF(OR(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),IF(D24<0,D24,IF(F24<0,F24,MAX(D24,F24))),0))","v":0},null,{"$f":"IF(AND(SE1netAvSME>0,SE1netAvSME>SE1netAvAdjSME,SE1TestSME=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),IF(D24<F24,MIN(D24,F26),MIN(F26,F24+ABS(F24*0.2))),IF(OR(ProfitCurSME<>\"\",ProfitPrevSME<>\"\"),IF(D24<0,D24,IF(F24<0,F24,MAX(D24,F24))),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D32+F32+H32+J32,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,K32,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus1_App2DistrSME-Bus1_App3DistrSME-Bus1_App4DistrSME,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App1DistrSME-Bus1_App3DistrSME-Bus1_App4DistrSME,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App2DistrSME-Bus1_App1DistrSME-Bus1_App4DistrSME,0),8)","v":1},{"$f":"ROUND(1-Bus1_App2DistrSME-Bus1_App3DistrSME-Bus1_App1DistrSME,8)","v":1}]
[]
[null,null,"Income distribution for business 1",{"$f":"IFERROR(IF(SE1TestSME=1,Bus1_App1DistrSME*SE1netAvSME,IF(SE1TestSME=2,Bus1_App1DistrSME*SE1netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1TestSME=1,Bus1_App2DistrSME*SE1netAvSME,IF(SE1TestSME=2,Bus1_App2DistrSME*SE1netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1TestSME=1,Bus1_App3DistrSME*SE1netAvSME,IF(SE1TestSME=2,Bus1_App3DistrSME*SE1netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1TestSME=1,Bus1_App4DistrSME*SE1netAvSME,IF(SE1TestSME=2,Bus1_App4DistrSME*SE1netAvAdjSME,0)),\"\")","v":0}]
[]
[null,null,"Depreciation ",{"$f":"IF('Self Employed Calculator (SME)'!$N$16=\"\",0,'Self Employed Calculator (SME)'!$N$16)*Bus1_App1DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!$N$16=\"\",0,'Self Employed Calculator (SME)'!$N$16)*Bus1_App2DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!$N$16=\"\",0,'Self Employed Calculator (SME)'!$N$16)*Bus1_App3DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!$N$16=\"\",0,'Self Employed Calculator (SME)'!$N$16)*Bus1_App4DistrSME","v":0}]
[null,null,"Self employed - Business 2"]
[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrev2SME=0,TaxYearCur2SME=0),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D40)<>VALUE(F40)+1),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D40)<>VALUE(F40)+1,\"Error - Tax years not in consecutive order\",IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (before tax)",null,null,null,null,{"$f":"IF(AND(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),\"\",IF(OR(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCur2SME-NonRecIncCur2SME","v":0},null,{"$f":"ProfitPrev2SME-NonRecIncPrev2SME","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)",null,null,null,null,null,null,null,null,null,null,"Depreciation Calculation"]
[null,null,"Depreciation *",null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(SE2TestSME=1,_SE2depSME,IF(SE2TestSME=2,_SE2depadjSME,0)),\"\")","v":""},{"$f":"IF(AND(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),(D48+F48)/2,IF(OR(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),MAX(D48,F48),\"\"))","v":""},null,{"$f":"Bus2App1IncSME","v":0}]
[null,null,"Interest expenses (loans being refinanced)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),IF(D48<F48,MIN(D48,O48),MIN(O48,F48+ABS(F48*0.2))),IF(OR(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),MAX(D48,F48),\"\"))","v":""},null,{"$f":"Bus2App2IncSME","v":0}]
[null,null,"Superannuation (in excess of compulsory)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus2App3IncSME","v":0}]
[null,null,"Non-recurring expenses (please specify)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Bus2App4IncSME","v":0}]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D47+D49+D50+D51+D52","v":0},null,{"$f":"F47+F49+F50+F51+F52","v":0}]
[]
[null,null,"Net available income",{"$f":"D45+D54","v":0},null,{"$f":"F45+F54","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),(F56+D56)/2,IF(OR(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),IF(D56<0,D56,IF(F56<0,F56,MAX(D56,F56))),0))","v":0},null,{"$f":"IF(AND(SE2netAvSME>0,SE2netAvSME>SE2netAvAdjSME,SE2TestSME=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),IF(D56<F56,MIN(D56,F58),MIN(F58,F56+ABS(F56*0.2))),IF(OR(ProfitCur2SME<>\"\",ProfitPrev2SME<>\"\"),IF(D56<0,D56,IF(F56<0,F56,MAX(D56,F56))),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D64+F64+H64+J64,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,K64,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus2_App2DistrSME-Bus2_App3DistrSME-Bus2_App4DistrSME,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App1DistrSME-Bus2_App3DistrSME-Bus2_App4DistrSME,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2DistrSME-Bus2_App1DistrSME-Bus2_App4DistrSME,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2DistrSME-Bus2_App3DistrSME-Bus2_App1DistrSME,0),8)","v":1}]
[]
[null,null,"Income distribution for business 2",{"$f":"IFERROR(IF(SE2TestSME=1,Bus2_App1DistrSME*SE2netAvSME,IF(SE2TestSME=2,Bus2_App1DistrSME*SE2netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2TestSME=1,Bus2_App2DistrSME*SE2netAvSME,IF(SE2TestSME=2,Bus2_App2DistrSME*SE2netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2TestSME=1,Bus2_App3DistrSME*SE2netAvSME,IF(SE2TestSME=2,Bus2_App3DistrSME*SE2netAvAdjSME,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2TestSME=1,Bus2_App4DistrSME*SE2netAvSME,IF(SE2TestSME=2,Bus2_App4DistrSME*SE2netAvAdjSME,0)),\"\")","v":0}]
[]
[null,null,"Depreciation ",{"$f":"IF('Self Employed Calculator (SME)'!N48=\"\",0,'Self Employed Calculator (SME)'!N48)*Bus2_App1DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!N48=\"\",0,'Self Employed Calculator (SME)'!N48)*Bus2_App2DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!N48=\"\",0,'Self Employed Calculator (SME)'!N48)*Bus2_App3DistrSME","v":0},null,{"$f":"IF('Self Employed Calculator (SME)'!N48=\"\",0,'Self Employed Calculator (SME)'!N48)*Bus2_App4DistrSME","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
[]
[null,null,null,null,null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,"Negative Gearing",null,null,null,null,null,null,"Rental"]
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[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,"Servicing Figure Inputs",null,null,"Rental","Gearing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"hair cut "]
[null,null,null,null,null,"Applicant 1",null,null,{"$f":"SUM(Y5:Y29)","v":0},{"$f":"SUM(U5:U29)","v":0},null,null,null,"Ownership must be input as a percentage for each individual.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, Y5:Y29*70%, IF(AC5:AC29=0, Y5:Y29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 2",null,null,{"$f":"SUM(Z5:Z29)","v":0},{"$f":"SUM(V5:V29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, Z5:Z29*70%, IF(AC5:AC29=0, Z5:Z29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 3",null,null,{"$f":"SUM(AA5:AA29)","v":0},{"$f":"SUM(W5:W29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, AA5:AA29*70%, IF(AC5:AC29=0, AA5:AA29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 4",null,null,{"$f":"SUM(AB5:AB29)","v":0},{"$f":"SUM(X5:X29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, AB5:AB29*70%, IF(AC5:AC29=0, AB5:AB29*80%, 0)))","v":0}]

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[]
[]
[null,null,null,null,null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,"Negative Gearing",null,null,null,null,null,null,"Rental"]
[null,null,null,null,null,"Property Address",null,null,"Gross Rental"," Frequency",null,"Annual Rental","Verification","App 1","App 2","App 3","App 4","Amount Owing","Interest Rate","Annual Gearing","App 1","App 2","App 3","App 4","App 1","App 2","App 3","App 4"]
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[null,null,null,null,null,"Servicing Figure Inputs",null,null,"Rental","Gearing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"hair cut"]
[null,null,null,null,null,"Applicant 1",null,null,{"$f":"SUM(Y5:Y29)","v":0},{"$f":"SUM(U5:U29)","v":0},null,null,null,"Ownership must be input as a percentage for each individual.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, Y5:Y29*70%, IF(AC5:AC29=0, Y5:Y29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 2",null,null,{"$f":"SUM(Z5:Z29)","v":0},{"$f":"SUM(V5:V29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, Z5:Z29*70%, IF(AC5:AC29=0, Z5:Z29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 3",null,null,{"$f":"SUM(AA5:AA29)","v":0},{"$f":"SUM(W5:W29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, AA5:AA29*70%, IF(AC5:AC29=0, AA5:AA29*80%, 0)))","v":0}]
[null,null,null,null,null,"Applicant 4",null,null,{"$f":"SUM(AB5:AB29)","v":0},{"$f":"SUM(X5:X29)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(IF(AC5:AC29=1, AB5:AB29*70%, IF(AC5:AC29=0, AB5:AB29*80%, 0)))","v":0}]

{"sheet":"SME Calculator 2","index":12,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Year To Date Calc","index":13,"n_rows":52,"n_cols":8,"rows_kept":52,"cut":false,"hidden":false,"merged":[[6,2,6,4],[18,2,18,4],[30,2,30,4],[42,2,42,4]]}
[]
[]
[null,"Application Number"]
[]
[null,"PAYG Income Year to Date"]
[null,"Applicant 1"]
[null,"Name",null,null,null,null,"If casual ?"]
[null,"PAYG Income:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Gross","Ave Per Week","Gross Annualised"]
[null,null,null,{"$f":"C10-B10","v":0},{"$f":"D10/7","v":0},null,{"$f":"IFERROR(IF(OR(H7=\"\",H7=\"No\"),F10/E10,F10/E10*46/52),0)","v":0},{"$f":"G10*52","v":0}]
[null,"Superannuation:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Employer Super","Ave Per Week","Gross Annualised Super"]
[null,null,null,{"$f":"C13-B13","v":0},{"$f":"D13/7","v":0},null,{"$f":"IFERROR(IF(OR(H7=\"\",H7=\"No\"),F13/E13,F13/E13*46/52),0)","v":0},{"$f":"G13*52","v":0}]
[]
[null,null,null,null,null,"Employer Super Rate: ",null,{"$f":"IFERROR(H13/H10,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF($H$15>11%,\"Super Contributions exceed 11%, confirm with employer rate of super\",\"\")","v":""}]
[]
[null,"Applicant 2"]
[null,"Name",null,null,null,null,"If casual ?"]
[null,"PAYG Income:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Gross","Ave Per Week","Gross Annualised"]
[null,null,null,{"$f":"C22-B22","v":0},{"$f":"D22/7","v":0},null,{"$f":"IFERROR(IF(OR(H19=\"\",H19=\"No\"),F22/E22,F22/E22*46/52),0)","v":0},{"$f":"G22*52","v":0}]
[null,"Superannuation:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Employer Super","Ave Per Week","Gross Annualised Super"]
[null,null,null,{"$f":"C25-B25","v":0},{"$f":"D25/7","v":0},null,{"$f":"IFERROR(IF(OR(H19=\"\",H19=\"No\"),F25/E25,F25/E25*46/52),0)","v":0},{"$f":"G25*52","v":0}]
[]
[null,null,null,null,null,"Employer Super Rate: ",null,{"$f":"IFERROR(H25/H22,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF($H$27>11%,\"Super Contributions exceed 11%, confirm with employer rate of super\",\"\")","v":""}]
[]
[null,"Applicant 3"]
[null,"Name",null,null,null,null,"If casual ?"]
[null,"PAYG Income:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Gross","Ave Per Week","Gross Annualised"]
[null,null,null,{"$f":"C34-B34","v":0},{"$f":"D34/7","v":0},null,{"$f":"IFERROR(IF(OR(H31=\"\",H31=\"No\"),F34/E34,F34/E34*46/52),0)","v":0},{"$f":"G34*52","v":0}]
[null,"Superannuation:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Employer Super","Ave Per Week","Gross Annualised Super"]
[null,null,null,{"$f":"C37-B37","v":0},{"$f":"D37/7","v":0},null,{"$f":"IFERROR(IF(OR(H31=\"\",H31=\"No\"),F37/E37,F37/E37*46/52),0)","v":0},{"$f":"G37*52","v":0}]
[]
[null,null,null,null,null,"Employer Super Rate: ",null,{"$f":"IFERROR(H37/H34,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF($H$39>11%,\"Super Contributions exceed 11%, confirm with employer rate of super\",\"\")","v":""}]
[]
[null,"Applicant 4"]
[null,"Name",null,null,null,null,"If casual ?"]
[null,"PAYG Income:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Gross","Ave Per Week","Gross Annualised"]
[null,null,null,{"$f":"C46-B46","v":0},{"$f":"D46/7","v":0},null,{"$f":"IFERROR(IF(OR(H43=\"\",H43=\"No\"),F46/E46,F46/E46*46/52),0)","v":0},{"$f":"G46*52","v":0}]
[null,"Superannuation:"]
[null,"Start Date","Finish Date","No. of Days","Weeks","YTD Employer Super","Ave Per Week","Gross Annualised Super"]
[null,null,null,{"$f":"C49-B49","v":0},{"$f":"D49/7","v":0},null,{"$f":"IFERROR(IF(OR(H43=\"\",H43=\"No\"),F49/E49,F49/E49*46/52),0)","v":0},{"$f":"G49*52","v":0}]
[]
[null,null,null,null,null,"Employer Super Rate: ",null,{"$f":"IFERROR(H49/H46,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF($H$51>11%,\"Super Contributions exceed 11%, confirm with employer rate of super\",\"\")","v":""}]

{"sheet":"Lease Doc Serviceability","index":14,"n_rows":24,"n_cols":4,"rows_kept":24,"cut":false,"hidden":false,"merged":[[18,0,18,1],[23,0,23,2],[11,2,11,3],[12,2,12,3],[13,2,13,3],[14,2,14,3],[15,2,15,3],[16,2,16,3],[17,2,17,3],[19,2,19,3],[18,2,18,3],[20,2,20,3],[21,2,21,3],[8,2,8,3],[7,2,7,3],[7,0,7,1],[8,0,8,1],[10,0,10,3]]}
[]
[]
[null,null,"Lease Doc Serviceability "]
[]
[]
[]
[]
["Application number "]
["Applicants name(s):"]
[]
["New Loan Committment"]
["Repayment Type ",null,{"$f":"IF(C13=0,\"\",IF(C13>C14,\"Principal & Interest\",\"Interest Only\"))","v":""}]
["Loan Term"]
["Interest Only Term"]
["New Loan Amount "]
["Interest Rate of New Loan"]
["New Monthly Loan Repayment/s ",null,{"$f":"IFERROR(IF(C$12=\"\",0,(IF(C$12=\"Principal & Interest\",-PMT(C$16/12,(C$13-C$14)*12,C$15,0,0),((C$15*C$16)/12)))),0)","v":0}]
["New Annual Loan Repayment/s",null,{"$f":"C17*12","v":0}]
["Monthly Gross Rental Income"]
["Annual Gross Rental Income",null,{"$f":"C19*12","v":0}]
["Remaining Lease Term"]
["Lease options available"]
[]
["Interest Coverage Ratio (Result must exceed 1.30)",null,"Result must exceed 1.75",{"$f":"C20/C18","v":{"$error":"#DIV/0!"}}]

{"sheet":"Sheet2","index":15,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Marginalisation Calculator","index":16,"n_rows":24,"n_cols":13,"rows_kept":24,"cut":false,"hidden":true,"merged":[[5,4,5,5]]}
[]
[]
[]
[]
[]
[null,null,"Marginalisation Calculator",null,{"$f":"TODAY()","v":"2025-12-04"}]
[null,null,"Marginalisation Year"]
[null,null,"No of Loans","3"]
[null,null,"New Loan Commitment(s)","Loan 1","Loan 2","Loan 3","Loan 4","Loan 5","Loan 6","Loan 7","Loan 8","Loan 9","Loan 10"]
[null,null,"Delivery Rate"]
[null,null,"Interest only loading"]
[null,null,"Offset Loading"]
[null,null,"Fixed Interest Loading"]
[null,null,"Additional Loadings"]
[null,null," Discounts"]
[]
[null,null,"Net Trail",4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3]
[null,null,"Upfront Commission",0.01,0.01,0.01]
[null,null,"GST on upfront commission",0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1,0.1]
[]
[null,null,"Interest Rate of New Loan",{"$f":"IFERROR(D10+D11+D12+D13+D14+D17+D23-D15,D10+D11+D12+D13+D14+D17-D15)","v":4.0000000000000001E-3},4.0000000000000001E-3,4.0000000000000001E-3,0,0,0,0,0,0,0]
[]
[null,null,"Upfront Recovery p/a",{"$f":"IFERROR(IF($D$7=\"3 (Mezy)\",ROUNDDOWN((D18+(D18*D19))/3,4),(D18+(D18*D19))/$D$7),\"\")","v":""},"","","","","","","","",""]
[null,null,"Gross Trail Loading",{"$f":"IFERROR(D17+D23,\"\")","v":""},"","","","","","","","",""]

{"sheet":"SMSF Refinance Prime","index":17,"n_rows":35,"n_cols":10,"rows_kept":35,"cut":false,"hidden":false,"merged":[[8,1,9,7],[36,1,43,7]]}
[]
[]
[]
[]
[]
[null,"WLTH SMSF Refinance Serviceability",null,null,null,null,"Date:",{"$f":"NOW()","v":"2025-12-04T10:01:12.750"}]
[null,null,null,null,null,null,"User:","Kailun Huang"]
[{"$f":"MAX(A9:A31)","v":1},"Applicant Name(s):"]
[{"$f":"IF(B9=\"\",1,0)","v":1},null,null,null,null,null,null,null,{"$f":"IF(B9=\"\",\"**\",\"\")","v":"**"}]
[]
[]
[null,"Loan Details:"]
[{"$f":"IF(H13=\"\",1,0)","v":1},"Security Type",null,null,null,null,null,null,{"$f":"IF(H13=\"\",\"**\",\"\")","v":"**"},{"$f":"OR(H13=\"\",H14=\"\",H15=\"\",H18=\"\",H20=\"\",H23=\"\",H30=\"\")","v":true}]
[{"$f":"IF(H14=\"\",1,0)","v":1},"Enter Loan Amount",null,null,null,null,null,null,{"$f":"IF(H14=\"\",\"**\",\"\")","v":"**"}]
[{"$f":"IF(H15=\"\",1,0)","v":1},"Security Value",null,null,null,null,null,null,{"$f":"IF(H15=\"\",\"**\",\"\")","v":"**"}]
[null,"Loan LVR",null,null,null,null,null,{"$f":"IF(ISERROR(H14/H15),0,H14/H15)","v":0}]
[null,"Repayment Type",null,null,null,null,null,{"$f":"IF(H18=0,\"\",IF(H18>H19,\"Principal & Interest\",\"Interest Only\"))","v":""}]
[{"$f":"IF(H18=\"\",1,0)","v":1},"Loan Term",null,null,null,null,null,null,{"$f":"IF(H18=\"\",\"**\",\"\")","v":"**"}]
[null,"Interest Only Term"]
[{"$f":"IF(H20=\"\",1,0)","v":1},"Interest Rate",null,null,null,null,null,null,{"$f":"IF(H20=\"\",\"**\",\"\")","v":"**"}]
[]
[null,"Current Loan:"]
[{"$f":"IF(H23=\"\",1,0)","v":1},"Monthly Loan Repayment/s",null,null,null,null,{"$f":"IF(H23=\"\",\"**\",\"\")","v":"**"}]
[null,"Annual Loan Repayment/s",null,null,null,null,null,{"$f":"IF(ISERROR(H23*12),0,H23*12+(H23*12)*20%)","v":0}]
[]
[null,"New Loan:"]
[null,"Monthly Loan Repayment/s",null,null,null,null,null,{"$f":"IF(H17=\"Principal & Interest\",-PMT(H20/12,(H18-H19)*12,H14,0,0)+15,IF(H17=\"Interest Only\",(H14*H20)/12+15,0))","v":0}]
[null,"Annual Loan Repayment/s",null,null,null,null,null,{"$f":"IF(ISERROR(H27*12),0,H27*12)","v":0}]
[]
[{"$f":"IF(H30=\"\",1,0)","v":1},"Monthly Gross Rental Income",null,null,null,null,null,null,{"$f":"IF(H30=\"\",\"**\",\"\")","v":"**"}]
[null,"Annual Gross Rental Income",null,null,null,null,null,{"$f":"IF(ISERROR(H30*12),0,H30*12)","v":0}]
[null,"**  ---  Denotes mandadory fields"]
[]
[null,"Result - Must Exceed 1.00",null,null,null,null,null,0]
[null,"Express Refinance NSI",null,null,null,null,null,{"$f":"H30-H27","v":0}]

{"sheet":"BackEnd","index":18,"n_rows":107,"n_cols":17,"rows_kept":107,"cut":false,"hidden":true,"merged":[]}
["Security Type","Repayment Type",null,"Security Type","Min Loan Amount","Max Loan Amount","LVR",null,"Data Test"]
["Residential","Principal & Interest",null,"Residential",150000,1500000,0.7,null,{"$f":"OR('SMSF Refinance Prime'!H13=\"\",'SMSF Refinance Prime'!H14=\"\",'SMSF Refinance Prime'!H15=\"\")","v":true}]
["Commercial","Interest Only",null,"Commercial",150000,2000000,0.7]
[]
[]
[null,"Current User:","Kailun Huang",null,null,null,null,null,null,null,null,null,null,null,null,"Allowed Users To Edit",{"$f":"IF(ISERROR(VLOOKUP(C6,P7:P50,1,0)),\"Not Found!\",VLOOKUP(C6,P7:P50,1,0))","v":"Not Found!"}]
[null,"---- You may enter policies after this row up to maximum designated line. Make sure to enter on Column B only.  This will be hidden once you leave the sheet. ---"]
[1,"Refinance Policy (with minimum 2 years clean repayment history)"]
[{"$f":"A8+1","v":2}]
[3,"\nAnnual rental exceeds annual loan repayment to validate serviceability"]
[4,"     - Max LVR 70%"]
[5,"     - 100% of rental income can be used for servicing purposes (evidenced by 12 months rental history from either rental statements and/or rental credits to bank statements)"]
[6,"     - 2 years clean repayment history (evidenced by loan statements. Interenet transactions statement must be supported by formal Bank statements)"]
[7,"     - New loan repayment must be less than the current repayment.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Kailun (Ivan) Huang"]
[8,"     - Other income cannot be used to support for this method. "]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]
[{"$f":"A40+1","v":34}]
[35]
[36]
[37]
[38]
[39]
[40]
[41]
[42]
[43]
[44]
[45]
[46]
[47]
[48]
[49]
[50]
[51]
[52]
[53]
[54]
[55]
[56]
[57]
[58]
[59]
[60]
[61]
[62]
[63]
[64]
[65]
[{"$f":"A72+1","v":66}]
[67]
[68]
[69]
[70]
[71]
[72]
[73]
[74]
[75]
[76]
[77]
[78]
[79]
[80]
[81]
[82]
[83]
[84]
[85]
[86]
[87]
[88]
[89]
[90]
[91]
[92]
[93]
[94]
[95]
[96]
[97]
[98]
[99]
[100]

{"sheet":"Definitions","index":19,"n_rows":48,"n_cols":2,"rows_kept":48,"cut":false,"hidden":true,"merged":[[0,0,0,1]]}
["Definitions"]
["Definitions"]
[]
["Household Numer","The household group that an individual applicant is attached to."]
[]
["Status","Individual applicants household status (single or couple)"]
[]
["Dependents","Number of children or other dependents of an individual applicant. Dependents includes adult children over 18 if they rely on parents to cover living costs. Dependents also includes dependent children or other parties over 18 such as children with disabilities."]
[]
["Gross Taxable Income","Yearly cash component of salary before tax. (Taxable income).  To be entered by you."]
[]
["Non-Taxable Income","Non taxable income of the applicant.  This is generally pension or governement benefit income that is not taxable."]
[]
["Annual Rental Income","Annual Rental Income received from investment properties (include income from property being purchased if a tenancy agreement is held and can be provided).  The calculator will use 80% of the amount entered adjusted for the relevant tax rate."]
[]
["Monthly Interest Expense (for gearing prurposes only)","The interest expense for investment property where a tax deduction is able to be claimed. This amount is to be allocated to the relevant applicant. The interest expense must not include any principal amount that forms part of the loan payment."]
[]
["Net Monthly Income","Monthly cash component of salary after tax.  Automatically calculated."]
[]
["Company Net Profit Before Tax","Yearly cash component of salary after expenses before tax. (Taxable income).  "]
[]
["Company addbacks","Non-taxable addbacks for the company such as depreciation and interest payments on loans included in servicing assessment."]
[]
["Living Allowance","Refer to application form for details of each category.  Full details must be entered for each household group."]
[]
["Credit Card (Limit not Debt)","We need to take the full credit card limit into account when calculating serviceability.  We will use 3.8% of the total limit, regardless of the debt outstanding."]
[]
["Existing Commitments","Existing debt commitments of the applicant. Full available loan limits must be entered as well as payments based on the full limit."]
[]
["Sensitivity","An annual percentage rate applied to the total balances of outstanding loans as a precaution against any future interest rate increases.  Currently 2.0%p.a. with 5.3% floor assessment rate."]
[]
["Loan Term","Loan term of loan application in years."]
[]
["Interest Only Term","Interest only term applicable to the applied loan"]
[]
["New Loan Amount","Loan amount as per the application"]
[]
["Interest rate","Applicable interest rate for the product"]
[]
["New Monthly Loan Repayments","This is the monthly loan repayment of the proposed loan.  It is a principal and interest repayment.  For interest only repayment calculations please refer to us."]
[]
["Result - Net Surplus","This is the remaining amount of the borrowers available monthly income after living expenses, existing commitments and the proposed commitment are deducted.  This amount must be positive to succesfully pass the Serviceability Calculator.  Please refer your scenario to usif the loan does not pass the Serviceability Calculator."]
[]
["SMSF Contributions","Annual superannuation contributuons for the applicant."]
[]
["Annual Management Fee","Annual management fee applicible for the SMSF. This includes accountants fees, auditor fees, compliance expenses etc. Costs incurred in the generation of income are excluded from this amount as this is incorporated into the return on SMSF Assets."]
[]
["SMSF Assets","This is the amount of the Self Managed Super Fund's Assets excluding the security for the loan.  This is only applicable to SMSF loans.  (We assume an investment return of 3.9% per annum taxed at the current Tax Rate for Superannuation income).  "]

{"sheet":"Scales Tax","index":20,"n_rows":130,"n_cols":55,"rows_kept":130,"cut":false,"hidden":true,"merged":[]}
["Annual Salary Guide - Standard",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Salary Guide - SMSF",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Salary Guide - Non Resident",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Salary Guide - ICR"]
["Tax Scales ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Scales ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Scales ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax Scales "]
["Applicant 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicant 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicant 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicant 1"]
["Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net",null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net",null,"Flood Levy Calculations",null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net",null,"Flood Levy Calculations",null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
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[]
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[]
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[]
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[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicant 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,18200,18200,0,null,{"$f":"IF('SMSF Servicing Calculator'!$N$72<Q93,'SMSF Servicing Calculator'!N72,R93)","v":0},{"$f":"U93","v":0},{"$f":"U93*S93","v":0},null,{"$f":"U93-W93","v":0}]
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["Low Band","High Band","% Cacl","$ Calc",null,null,null,null,null,null,null,null,null,null,null,135001,190001,55001,0.37,null,{"$f":"IF(V95='SMSF Servicing Calculator'!$N$72,0,IF(('SMSF Servicing Calculator'!$N$72-V95)>R96,R96,('SMSF Servicing Calculator'!$N$72-V95)))","v":0},{"$f":"V95+U96","v":0},{"$f":"U96*S96","v":0},null,{"$f":"U96-W96","v":0}]
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[37001,48000,-7.4999999999999997E-2,-255,null,null,null,null,null,null,null,null,null,null,null,"Low & middle income tax offset (monthly)",null,0,"Refer table"]
[48001,90000,null,-1080,null,null,null,null,null,null,null,null,null,null,null,"Low income tax offset (monthly)",null,0,"Refer table"]
[90001,126000,0.03,-1080,null,null,null,null,null,null,null,null,null,null,null,"Medicare Levy (monthly)",null,{"$f":"U98*(2/100)/12","v":0},0.02]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company 1"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[{"$f":"IF(F10<=B97,D97,IF($F$23<=$B$98,$D$98,IF($F$23<=$B$99,(($F$23-$B$98)*$C$99)+$D$99,IF($F$23<=$B$100,$D$100,IF($F$23<=$B$101,(($F$23-$B$100)*$C$101)+$D$101,IF($F$23<=$B$102,$D$102,0))))))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D80","v":0.25},null,{"$f":"'SMSF Servicing Calculator'!D84","v":0},{"$f":"U106","v":0},{"$f":"U106*S106","v":0},null,{"$f":"U106-W106","v":0}]
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["Low Income Tax Offset",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N/A","Medicare Levy (Monthly)"]
[0,20593,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y107/12)","v":0}]
[20596,37000,null,-445]
[37001,66666,1.4999999999999999E-2,-445,null,null,null,null,null,null,null,null,null,null,null,"Company 2"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U113:U113)","v":0},null,{"$f":"SUM(W113:W113)","v":0},null,{"$f":"SUM(Y113:Y113)","v":0}]
[{"$f":"IF($F$10<=$B$109,$D$109,IF($F$10<=$B$110,$D$110,IF($F$10<=$B$111,(($F$10-$B$110)*$C$111)+$D$111,IF($F$10<=$B$112,$D$112,0))))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N/A","Medicare Levy (Monthly)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y114/12)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Assets "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Assets","Income","Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,null,{"$f":"'SMSF Servicing Calculator'!D8","v":{"$error":"#DIV/0!"}},{"$f":"U120*3.9%","v":{"$error":"#DIV/0!"}},{"$f":"V120*S120","v":{"$error":"#DIV/0!"}},null,{"$f":"V120-W120","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U120:U120)","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(W120:W120)","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(Y120:Y120)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N/A","Medicare Levy (Monthly)"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y121/12)","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Contributions - Applicant 1"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,25000,{"$f":"Q128-P128+1","v":25000},0.15,null,{"$f":"IF('SMSF Servicing Calculator'!D12<Q128,'SMSF Servicing Calculator'!D12,R128)","v":0},{"$f":"U128","v":0},{"$f":"U128*S128","v":0},null,{"$f":"V128-W128","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25001,10000000,{"$f":"Q129-P129+1","v":9975000},0.47,null,{"$f":"IF(V128='SMSF Servicing Calculator'!$D$12,0,IF(('SMSF Servicing Calculator'!$D$12-V128)>R129,R129,('SMSF Servicing Calculator'!$D$12-V128)))","v":0},{"$f":"V128+U129","v":0},{"$f":"U129*S129","v":0},null,{"$f":"U129-W129","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U128:U129)","v":0},null,{"$f":"SUM(W128:W129)","v":0},null,{"$f":"SUM(Y128:Y129)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y130/12)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Contributions - Applicant 2"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,25000,{"$f":"Q136-P136+1","v":25000},{"$f":"S128","v":0.15},null,{"$f":"IF('SMSF Servicing Calculator'!D13<Q136,'SMSF Servicing Calculator'!D13,R136)","v":0},{"$f":"U136","v":0},{"$f":"U136*S136","v":0},null,{"$f":"V136-W136","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25001,10000000,{"$f":"Q137-P137+1","v":9975000},{"$f":"S129","v":0.47},null,{"$f":"IF(V136='SMSF Servicing Calculator'!$D$13,0,IF(('SMSF Servicing Calculator'!$D$13-V136)>R137,R137,('SMSF Servicing Calculator'!$D$13-V136)))","v":0},{"$f":"V136+U137","v":0},{"$f":"U137*S137","v":0},null,{"$f":"U137-W137","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U136:U137)","v":0},null,{"$f":"SUM(W136:W137)","v":0},null,{"$f":"SUM(Y136:Y137)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y138/12)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Contributions - Applicant 3"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,25000,{"$f":"Q144-P144+1","v":25000},{"$f":"S128","v":0.15},null,{"$f":"IF('SMSF Servicing Calculator'!D14<Q144,'SMSF Servicing Calculator'!D14,R144)","v":0},{"$f":"U144","v":0},{"$f":"U144*S144","v":0},null,{"$f":"V144-W144","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U144:U145)","v":0},null,{"$f":"SUM(W144:W145)","v":0},null,{"$f":"SUM(Y144:Y145)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y146/12)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Contributions - Applicant 4"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,25000,{"$f":"Q152-P152+1","v":25000},{"$f":"S128","v":0.15},null,{"$f":"IF('SMSF Servicing Calculator'!D15<Q152,'SMSF Servicing Calculator'!D15,R152)","v":0},{"$f":"U152","v":0},{"$f":"U152*S152","v":0},null,{"$f":"V152-W152","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25001,10000000,{"$f":"Q153-P153+1","v":9975000},{"$f":"S129","v":0.47},null,{"$f":"IF(V152='SMSF Servicing Calculator'!$D$15,0,IF(('SMSF Servicing Calculator'!$D$15-V152)>R153,R153,('SMSF Servicing Calculator'!$D$15-V152)))","v":0},{"$f":"V152+U153","v":0},{"$f":"U153*S153","v":0},null,{"$f":"U153-W153","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U152:U153)","v":0},null,{"$f":"SUM(W152:W153)","v":0},null,{"$f":"SUM(Y152:Y153)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y154/12)","v":0}]

{"sheet":"RepayCalculator","index":22,"n_rows":50,"n_cols":10,"rows_kept":50,"cut":false,"hidden":true,"merged":[]}
["Dropdown box data"]
["Principal & Interest"]
["Interest Only"]
[]
["PRIME Serviceability Sensitivity",0.02]
["SME Serviceability Sensitivity",0.02]
["Serviceability Sensitivity",0.02]
["Interest Rate Floor",5.2900000000000003E-2]
[]
["Interest Only Period","Loan Term","LoanType","Stressed","Status","Household","Dependents",null,null,"Non Res Commitment"]
[0,30]
[1,29,"Mortgage Loan - Investment","Mortgage Loan - Investment","Single","Household 1",0,null,null,"Personal Loan (fixed)"]
[2,28,"Mortgage Loan - Owner Occupied","Mortgage Loan - Owner Occupied","Couple","Household 2",1,null,null,"Overdraft"]
[3,27,"Lease / Hire Purchase","Overdraft",null,"Household 3",2,null,null,"Housing Loan Variable - Owner Occupied"]
[4,26,"Line of Credit","Personal Loan - Variable",null,"Household 4",3,null,null,"Housing Loan Variable - Investment"]
[5,25,"Overdraft","Line of Credit",null,"Household 5",4,null,null,"Lease / HP"]
[null,24,"Personal Loan - Fixed",null,null,"Household 6",5,null,null,"Other"]
[null,23,"Personal Loan - Variable",null,null,null,6,null,null,"Child Support"]
[null,22,"Private Loan",null,null,null,7,null,null,"Rent / Board"]
[null,21,"Other",null,null,null,8]
[null,20,null,null,null,null,9]
[null,19,null,null,null,null,10]
[null,18]
[null,17]
[null,16]
[null,15,null,null,null,null,null,"Weekly","Valuation"]
[null,14,null,null,null,null,null,"Fortnightly","Lease Agreement"]
[null,13,null,null,null,null,null,"Monthly","Rental Statements"]
[null,12,null,null,null,null,null,"Quarterly","Bank Statements"]
[null,11,null,null,null,null,null,null,"2 X Rental Appraisals"]
[null,10,null,null,null,null,null,null,"Existing NDIS"]
[null,9,null,null,null,null,null,null,"New NDIS"]
[null,8]
[null,7,null,"Property","PAYG"]
[null,6,null,"Equipment ","Self-employed"]
[null,5,null,"Vehicle","Bonus"]
[null,4,null,"IT","Dividend"]
[null,3,null,"Stock","Overtime"]
[null,2,null,"Other","Other"]
[null,1]
[null,0]
[]
["Rental Income - Standard",0.8]
["Rental Income - SMSF",0.8]
["Rental Income - ICR",0.8]
["Rental Income - NEW NDIS",0.7]
["Serviceability Sensitivity - ICR",0.02]
[]
[]
[null,null,null,{"$f":"IF(#REF!=\"No\",IF(B42+RepayCalculator!B6<RepayCalculator!B8,RepayCalculator!#REF!,RepayCalculator!#REF!))","v":{"$error":"#REF!"}}]

{"sheet":"Cost of Living Index","index":23,"n_rows":157,"n_cols":7,"rows_kept":157,"cut":false,"hidden":true,"merged":[[2,4,2,6]]}
[]
[]
[null,null,"Single","Joint","Living Allowance Calculation"]
[]
[null,0,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},null,"$ per Week","$ per Month"]
[null,999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Single",null,{"$f":"F6*52/12","v":0}]
[null,1499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Couples",null,{"$f":"F7*52/12","v":0}]
[null,1999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Children",null,{"$f":"(F8-F6)*52/12","v":0}]
[null,2499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,2999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,3499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,3999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,4499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,4999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,5499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Cost of Living Data Date - 2021"]
[null,5999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,6499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Australia"]
[null,6999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,7499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Country","Cost of Living Index","Currency Code"]
[null,7999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Afghanistan",26.33,"AFN"]
[null,8499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Albania",40.25,"ALL"]
[null,8999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Algeria",28.31,"DZD"]
[null,9499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Argentina",37.869999999999997,"ARS"]
[null,9999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Armenia",31.68,"AMD"]
[null,null,null,null,"Australia",84.14,"AUD"]
[null,10999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Austria",75.489999999999995,"EUR"]
[null,11499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Azerbaijan",30.9,"AZN"]
[null,11999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bahamas",85.85,"BSD"]
[null,12499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bahrain",57.7,"BHD"]
[null,12999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bangladesh",33.31,"BDT"]
[null,13499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Barbados",81.489999999999995,"BBD"]
[null,14499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Belarus",30.69,"BYN"]
[null,14999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Belgium",78.52,"EUR"]
[null,15499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Belize",52.45,"BZD"]
[null,15999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bermuda",145.07,"BMD"]
[null,16499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bolivia",36.11,"BOB"]
[null,16999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bosnia And Herzegovina",38.56,"BAM"]
[null,17499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Botswana",40.409999999999997,"BWP"]
[null,17999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Brazil",31.82,"BRL"]
[null,18499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Brunei",49.35,"BND"]
[null,18999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Bulgaria",40.92,"BGN"]
[null,19499,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Cambodia",47.91,"KHR"]
[null,null,null,null,"Cameroon",42.57,"XAF"]
[null,null,null,null,"Canada",70.08,"CAD"]
[null,null,null,null,"Chile",49.33,"CLP"]
[null,null,null,null,"China",42.54,"CNY"]
[null,null,null,null,"Colombia",31,"COP"]
[null,null,null,null,"Costa Rica",50.64,"CRC"]
[null,null,null,null,"Croatia",56.36,"HRK"]
[null,null,null,null,"Cuba",55.54,"CUP"]
[null,null,null,null,"Cyprus",64.05,"EUR"]
[null,null,null,null,"Czech Republic",49.18,"CZK"]
[null,null,null,null,"Denmark",91.67,"DKK"]
[null,null,null,null,"Dominican Republic",41.54,"DOP"]
[null,null,null,null,"Ecuador",40.08,"USD"]
[null,null,null,null,"Egypt",30.1,"EGP"]
[null,19999,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"El Salvador",44.57,"SVC"]
[null,null,null,null,"Estonia",56.45,"EUR"]
[null,null,null,null,"Ethiopia",54.3,"ETB"]
[null,null,null,null,"Fiji",48.54,"FJD"]
[null,null,null,null,"Finland",77.459999999999994,"EUR"]
[null,null,null,null,"France",80.62,"EUR"]
[null,null,null,null,"Georgia",28.05,"GEL"]
[null,null,null,null,"Germany",70.62,"EUR"]
[null,null,null,null,"Ghana",40.630000000000003,"GHS"]
[null,null,null,null,"Greece",60.96,"EUR"]
[null,null,null,null,"Guatemala",44.76,"GTQ"]
[null,null,null,null,"Honduras",42.2,"HNL"]
[null,null,null,null,"Hong Kong",79.94,"HKD"]
[null,null,null,null,"Hungary",42.75,"HUF"]
[null,null,null,null,"Iceland",96.77,"ISK"]
[null,null,null,null,"India",25.16,"INR"]
[null,null,null,null,"Indonesia",37.44,"IDR"]
[null,null,null,null,"Iran",41.34,"IRR"]
[null,null,null,null,"Iraq",32.72,"IQD"]
[null,null,null,null,"Ireland",83.11,"EUR"]
[null,null,null,null,"Israel",86.63,"ILS"]
[null,null,null,null,"Italy",73.11,"EUR"]
[null,null,null,null,"Ivory Coast",54.61,"XOF"]
[null,null,null,null,"Jamaica",53.16,"JMD"]
[null,null,null,null,"Japan",87.77,"JPY"]
[null,null,null,null,"Jordan",52.17,"JOD"]
[null,null,null,null,"Kazakhstan",29.76,"KZT"]
[null,null,null,null,"Kenya",36.299999999999997,"KES"]
[null,null,null,null,"Kosovo (Disputed Territory)",29.4,"EUR"]
[null,null,null,null,"Kuwait",49.4,"KWD"]
[null,null,null,null,"Kyrgyzstan",22.98,"KGS"]
[null,null,null,null,"Latvia",52.87,"EUR"]
[null,null,null,null,"Lebanon",75.88,"LBP"]
[null,null,null,null,"Libya",22.32,"LYD"]
[null,null,null,null,"Lithuania",47.66,"EUR"]
[null,null,null,null,"Luxembourg",88.28,"EUR"]
[null,null,null,null,"Macao",69.599999999999994,"MOP"]
[null,null,null,null,"Malaysia",39.51,"MYR"]
[null,null,null,null,"Malta",73.61,"EUR"]
[null,null,null,null,"Mauritius",52.57,"MUR"]
[null,null,null,null,"Mexico",35.049999999999997,"MXN"]
[null,null,null,null,"Moldova",32.68,"MDL"]
[null,null,null,null,"Mongolia",33.17,"MNT"]
[null,null,null,null,"Montenegro",41.43,"EUR"]
[null,null,null,null,"Morocco",36.85,"MAD"]
[null,null,null,null,"Mozambique",35.89,"MZN"]
[null,null,null,null,"Myanmar",38.06,"MMK"]
[null,null,null,null,"Namibia",41.02,"NAD"]
[null,null,null,null,"Nepal",28.86,"NPR"]
[null,null,null,null,"Netherlands",78.64,"EUR"]
[null,null,null,null,"New Zealand",79.14,"NZD"]
[null,null,null,null,"Nicaragua",42.77,"NIO"]
[null,null,null,null,"Nigeria",29.74,"NGN"]
[null,null,null,null,"North Macedonia",34.15,"MKD"]
[null,null,null,null,"Norway",106.09,"NOK"]
[null,null,null,null,"Oman",50.18,"OMR"]
[null,null,null,null,"Pakistan",21.59,"PKR"]
[null,null,null,null,"Palestine",55.88]
[null,null,null,null,"Panama",54.07,"PAB"]
[null,null,null,null,"Paraguay",30.72,"PYG"]
[null,null,null,null,"Peru",36.26,"PEN"]
[null,null,null,null,"Philippines",40.65,"PHP"]
[null,null,null,null,"Poland",42.04,"PLN"]
[null,null,null,null,"Portugal",52.88,"EUR"]
[null,null,null,null,"Puerto Rico",69.510000000000005,"USD"]
[null,null,null,null,"Qatar",64.23,"QAR"]
[null,null,null,null,"Romania",38.5,"RON"]
[null,null,null,null,"Russia",33.17,"RUB"]
[null,null,null,null,"Rwanda",34.07,"RWF"]
[null,null,null,null,"Saudi Arabia",49.95,"SAR"]
[null,null,null,null,"Serbia",39.19,"RSD"]
[null,null,null,null,"Seychelles",78.92,"SCR"]
[null,null,null,null,"Singapore",85.59,"SGD"]
[null,null,null,null,"Slovakia",49.08,"EUR"]
[null,null,null,null,"Slovenia",59.38,"EUR"]
[null,null,null,null,"Somalia",37.42,"SOS"]
[null,null,null,null,"South Africa",41.69,"ZAR"]
[null,null,null,null,"South Korea",81.2,"KRW"]
[null,null,null,null,"Spain",59.09,"EUR"]
[null,null,null,null,"Sri Lanka",31.28,"LKR"]
[null,null,null,null,"Suriname",51.86,"SRD"]
[null,null,null,null,"Sweden",79.17,"SEK"]
[null,null,null,null,"Switzerland",131.75,"CHF"]
[null,null,null,null,"Syria",29.03,"SYP"]
[null,null,null,null,"Taiwan",65.25,"TWD"]
[null,null,null,null,"Tanzania",34.6,"TZS"]
[null,null,null,null,"Thailand",49.32,"THB"]
[null,null,null,null,"Trinidad And Tobago",55.48,"TTD"]
[null,null,null,null,"Tunisia",29.5,"TND"]
[null,null,null,null,"Turkey",31.48,"TRY"]
[null,null,null,null,"Uganda",32.18,"UGX"]
[null,null,null,null,"Ukraine",29.21,"UAH"]
[null,null,null,null,"United Arab Emirates",61.67,"AED"]
[null,null,null,null,"United Kingdom",71.03,"GBP"]
[null,null,null,null,"United States",71.92,"USD"]
[null,null,null,null,"Uruguay",51.09,"UYU"]
[null,null,null,null,"Uzbekistan",27.12,"UZS"]
[null,null,null,null,"Vietnam",38.049999999999997,"VND"]
[null,null,null,null,"Yemen",51.46,"YER"]
[null,null,null,null,"Zambia",28.06,"ZMW"]
[null,null,null,null,"Zimbabwe",51.52,"ZWL"]

{"sheet":"Live Currency Rates","index":24,"n_rows":168,"n_cols":8,"rows_kept":168,"cut":false,"hidden":true,"merged":[]}
["Currency code ▲▼","Currency name ▲▼","Units per AUD","AUD per Unit",null,null,"ex rate 1",{"$f":"VLOOKUP(#REF!,'Live Currency Rates'!A:D,3,FALSE)","v":{"$error":"#REF!"}}]
["USD","US Dollar",0.77541398610000001,1.2896336897,null,null,"ex rate 2",{"$f":"VLOOKUP(#REF!,'Live Currency Rates'!A:D,3,FALSE)","v":{"$error":"#REF!"}}]
["EUR","Euro",0.64166821730000001,1.5584377923999999]
["GBP","British Pound",0.55453509940000001,1.8033123622]
["INR","Indian Rupee",56.847773984500002,1.7590838300000002E-2]
["AUD","Australian Dollar",1,1]
["CAD","Canadian Dollar",0.98472024680000003,1.0155168468]
["SGD","Singapore Dollar",1.0311922143000001,0.96975130939999998]
["CHF","Swiss Franc",0.70448864929999999,1.4194692861]
["MYR","Malaysian Ringgit",3.1421810670000001,0.31825027859999999]
["JPY","Japanese Yen",82.617273582500005,1.2104006299999999E-2]
["CNY","Chinese Yuan Renminbi",5.0107230808000001,0.1995719947]
["NZD","New Zealand Dollar",1.0659741233,0.93810907619999995]
["THB","Thai Baht",23.499737259500002,4.25536673E-2]
["HUF","Hungarian Forint",232.71474538039999,4.2971062999999999E-3]
["AED","Emirati Dirham",2.8477078641000002,0.35115961600000001]
["HKD","Hong Kong Dollar",6.0148727771999999,0.16625455550000001]
["MXN","Mexican Peso",16.084675141400002,6.2170979000000001E-2]
["ZAR","South African Rand",11.622434804199999,8.6040491199999999E-2]
["PHP","Philippine Peso",37.718543740800001,2.65121582E-2]
["SEK","Swedish Krona",6.5294554148000001,0.1531521293]
["IDR","Indonesian Rupiah",11079.695740454499,9.0255199999999996E-5]
["SAR","Saudi Arabian Riyal",2.9078024481,0.34390231729999998]
["BRL","Brazilian Real",4.3416178821000004,0.23032888360000001]
["TRY","Turkish Lira",5.7231238063000003,0.17472975139999999]
["KES","Kenyan Shilling",85.136023515299996,1.17459092E-2]
["KRW","South Korean Won",869.31232950909998,1.1503345E-3]
["EGP","Egyptian Pound",12.174703170800001,8.2137526099999997E-2]
["IQD","Iraqi Dinar",1131.6557263371001,8.83661E-4]
["NOK","Norwegian Krone",6.6780008266999999,0.14974541420000001]
["KWD","Kuwaiti Dinar",0.23468082239999999,4.2611065947000002]
["RUB","Russian Ruble",57.589603180899999,1.7364245399999999E-2]
["DKK","Danish Krone",4.7714799599999997,0.20957858109999999]
["PKR","Pakistani Rupee",122.5733146756,8.1583825999999998E-3]
["ILS","Israeli Shekel",2.5556430344000001,0.39129095359999999]
["PLN","Polish Zloty",2.8963495052999999,0.34526219920000001]
["QAR","Qatari Riyal",2.8225069095999999,0.35429496970000002]
["XAU","Gold Ounce",4.4287100000000001E-4,2257.9937117148002]
["OMR","Omani Rial",0.29814667769999997,3.3540538093999999]
["COP","Colombian Peso",2828.2217231031,3.535791E-4]
["CLP","Chilean Peso",561.38514005720003,1.7813083E-3]
["TWD","Taiwan New Dollar",21.575372830799999,4.6349141099999998E-2]
["ARS","Argentine Peso",69.639529960900006,1.43596604E-2]
["CZK","Czech Koruna",16.7882342252,5.9565525899999999E-2]
["VND","Vietnamese Dong",17891.357142368299,5.5892900000000001E-5]
["MAD","Moroccan Dirham",6.9270739149000002,0.14436109850000001]
["JOD","Jordanian Dinar",0.5497685162,1.8189473761999999]
["BHD","Bahraini Dinar",0.29155565880000001,3.4298768342999999]
["XOF","CFA Franc",420.90675877389998,2.3758231E-3]
["LKR","Sri Lankan Rupee",150.99114060709999,6.6229050999999997E-3]
["UAH","Ukrainian Hryvnia",21.6893239911,4.6105632399999999E-2]
["NGN","Nigerian Naira",295.5210524844,3.3838536999999998E-3]
["TND","Tunisian Dinar",2.0957435421000001,0.47715761969999998]
["UGX","Ugandan Shilling",2841.0053547165999,3.519881E-4]
["RON","Romanian Leu",3.1285808658000001,0.31963373899999997]
["BDT","Bangladeshi Taka",65.6963266769,1.5221551200000001E-2]
["PEN","Peruvian Sol",2.8295738331,0.35341011010000001]
["GEL","Georgian Lari",2.5781030763000001,0.38788208629999998]
["XAF","Central African CFA Franc BEAC",420.90675877389998,2.3758231E-3]
["FJD","Fijian Dollar",1.5560975262000001,0.64263324320000004]
["VEF","Venezuelan Bolívar",7.7444471866000004,0.12912477489999999]
["VES","Venezuelan Bolívar",1448350.1033351801,6.9039999999999999E-7]
["BYN","Belarusian Ruble",2.0160291183000001,0.49602458160000001]
["HRK","Croatian Kuna",4.8685075049000002,0.20540175790000001]
["UZS","Uzbekistani Som",8165.7738502707998,1.2246239999999999E-4]
["BGN","Bulgarian Lev",1.2549939493,0.79681659069999999]
["DZD","Algerian Dinar",103.0850300581,9.7007295999999993E-3]
["IRR","Iranian Rial",32587.054170350701,3.0686999999999999E-5]
["DOP","Dominican Peso",44.8905394035,2.2276408599999999E-2]
["ISK","Icelandic Krona",98.633746890400005,1.01385178E-2]
["XAG","Silver Ounce",2.8853019000000001E-2,34.658418195599999]
["CRC","Costa Rican Colon",474.23438674699997,2.1086618999999998E-3]
["SYP","Syrian Pound",397.613463658,2.5150054E-3]
["LYD","Libyan Dinar",3.4502007310999998,0.2898382088]
["JMD","Jamaican Dollar",117.2361150472,8.5297948000000005E-3]
["MUR","Mauritian Rupee",30.862395277499999,3.2401892000000002E-2]
["GHS","Ghanaian Cedi",4.4600064608999999,0.22421492179999999]
["AOA","Angolan Kwanza",493.11691374129998,2.0279167000000001E-3]
["UYU","Uruguayan Peso",33.477742497800001,2.98705924E-2]
["AFN","Afghan Afghani",59.965346683299998,1.6676298199999998E-2]
["LBP","Lebanese Pound",1168.9365841168999,8.5547840000000004E-4]
["XPF","CFP Franc",76.571386304800001,1.30597087E-2]
["TTD","Trinidadian Dollar",5.2644727728999996,0.18995254480000001]
["TZS","Tanzanian Shilling",1797.8621278753999,5.5621619999999996E-4]
["ALL","Albanian Lek",78.886506877499997,1.2676439100000001E-2]
["XCD","East Caribbean Dollar",2.0953547110000001,0.47724616489999999]
["GTQ","Guatemalan Quetzal",5.9690239628999997,0.16753157739999999]
["NPR","Nepalese Rupee",91.3827966801,1.09429787E-2]
["BOB","Bolivian Bolíviano",5.3475501242999997,0.18700151970000001]
["ZWD","Zimbabwean Dollar",280.62232158670002,3.5635084000000001E-3]
["BBD","Barbadian or Bajan Dollar",1.5508279723,0.64481684480000001]
["CUC","Cuban Convertible Peso",0.77541398610000001,1.2896336897]
["LAK","Lao Kip",7254.9045397021,1.378378E-4]
["BND","Bruneian Dollar",1.0311922143000001,0.96975130939999998]
["BWP","Botswana Pula",8.4211125667999998,0.11874915480000001]
["HNL","Honduran Lempira",18.679678446600001,5.3534112100000003E-2]
["PYG","Paraguayan Guarani",5126.3431014647003,1.9507079999999999E-4]
["ETB","Ethiopian Birr",31.239158225499999,3.2011105800000002E-2]
["NAD","Namibian Dollar",11.622434804199999,8.6040491199999999E-2]
["PGK","Papua New Guinean Kina",2.7192565538000002,0.3677475737]
["SDG","Sudanese Pound",290.8674694133,3.4379918999999999E-3]
["MOP","Macau Pataca",6.1953189604999999,0.16141218979999999]
["NIO","Nicaraguan Cordoba",27.056596516999999,3.6959563600000002E-2]
["BMD","Bermudian Dollar",0.77541398610000001,1.2896336897]
["KZT","Kazakhstani Tenge",324.2763138267,3.0837897999999998E-3]
["PAB","Panamanian Balboa",0.77541398610000001,1.2896336897]
["BAM","Bosnian Convertible Mark",1.2549939493,0.79681659069999999]
["GYD","Guyanese Dollar",161.86255428609999,6.1780812000000003E-3]
["YER","Yemeni Rial",194.10284969200001,5.1519078999999997E-3]
["MGA","Malagasy Ariary",2906.2998575257998,3.4408010000000001E-4]
["KYD","Caymanian Dollar",0.63584165550000005,1.5727186026]
["MZN","Mozambican Metical",58.317782417899998,1.7147428400000001E-2]
["RSD","Serbian Dinar",75.270852951999998,1.3285355E-2]
["SCR","Seychellois Rupee",16.360399187599999,6.1123203000000001E-2]
["AMD","Armenian Dram",402.4665600852,2.4846784999999999E-3]
["SBD","Solomon Islander Dollar",6.2207136006999999,0.16075326149999999]
["AZN","Azerbaijan Manat",1.3174190509000001,0.75905992050000004]
["SLL","Sierra Leonean Leone",7910.3832962959996,1.264161E-4]
["TOP","Tongan Pa'anga",1.7541784284999999,0.57006743660000003]
["BZD","Belizean Dollar",1.5622745524999999,0.64009235659999997]
["MWK","Malawian Kwacha",603.46461629320004,1.6570980000000001E-3]
["GMD","Gambian Dalasi",39.696027344699999,2.5191437699999999E-2]
["BIF","Burundian Franc",1511.2382498842001,6.6170900000000002E-4]
["SOS","Somali Shilling",447.05966271559998,2.2368379000000001E-3]
["HTG","Haitian Gourde",56.523989331999999,1.7691603399999999E-2]
["GNF","Guinean Franc",7869.4949196852003,1.2707300000000001E-4]
["MVR","Maldivian Rufiyaa",11.9358531314,8.3781191800000002E-2]
["MNT","Mongolian Tughrik",2206.0653255682,4.5329570000000001E-4]
["CDF","Congolese Franc",1533.6117408417999,6.5205549999999997E-4]
["STN","Sao Tomean Dobra",15.727638470800001,6.3582336399999995E-2]
["TJS","Tajikistani Somoni",8.8324368681000003,0.1132190374]
["KPW","North Korean Won",697.87961024629999,1.4329118999999999E-3]
["MMK","Burmese Kyat",1092.8810911306,9.1501259999999997E-4]
["LSL","Basotho Loti",11.622434804199999,8.6040491199999999E-2]
["LRD","Liberian Dollar",134.06534872540001,7.4590489999999997E-3]
["KGS","Kyrgyzstani Som",65.716496331000002,1.5216879399999999E-2]
["GIP","Gibraltar Pound",0.55453509940000001,1.8033123622]
["XPT","Platinum Ounce",6.3552550000000002E-4,1573.5009759087]
["MDL","Moldovan Leu",13.569303147899999,7.3695752000000003E-2]
["CUP","Cuban Peso",20.548470632899999,4.8665422299999997E-2]
["KHR","Cambodian Riel",3163.226031232,3.1613300000000002E-4]
["MKD","Macedonian Denar",39.2988437116,2.54460413E-2]
["VUV","Ni-Vanuatu Vatu",84.186499311999995,1.1878389099999999E-2]
["MRU","Mauritanian Ouguiya",27.921176360499999,3.5815109900000003E-2]
["ANG","Dutch Guilder",1.3879557863,0.72048404560000001]
["SZL","Swazi Lilangeni",11.622434804199999,8.6040491199999999E-2]
["CVE","Cape Verdean Escudo",70.756754314700004,1.4132926400000001E-2]
["SRD","Surinamese Dollar",10.9735666899,9.1128074200000006E-2]
["XPD","Palladium Ounce",3.3035220000000003E-4,3027.0725074777001]
["SVC","Salvadoran Colon",6.7848723788000003,0.14738670740000001]
["BSD","Bahamian Dollar",0.77541398610000001,1.2896336897]
["XDR","IMF Special Drawing Rights",0.53897092270000002,1.8553876617]
["RWF","Rwandan Franc",769.78181347899999,1.2990694000000001E-3]
["AWG","Aruban or Dutch Guilder",1.3879910352,0.72046574839999999]
["DJF","Djiboutian Franc",137.84550754360001,7.2544983000000004E-3]
["BTN","Bhutanese Ngultrum",56.847773984500002,1.7590838300000002E-2]
["KMF","Comorian Franc",315.6800690805,3.1677641E-3]
["WST","Samoan Tala",1.9444042826000001,0.51429633689999998]
["SPL","Seborgan Luigino",0.12923566380000001,7.7378021692000001]
["ERN","Eritrean Nakfa",11.6312097922,8.5975579299999993E-2]
["FKP","Falkland Island Pound",0.55453509940000001,1.8033123622]
["SHP","Saint Helenian Pound",0.55453509940000001,1.8033123622]
["JEP","Jersey Pound",0.55453509940000001,1.8033123622]
["TMT","Turkmenistani Manat",2.7166722231999998,0.36809740660000001]
["TVD","Tuvaluan Dollar",1,1]
["IMP","Isle of Man Pound",0.55453509940000001,1.8033123622]
["GGP","Guernsey Pound",0.55453509940000001,1.8033123622]
["ZMW","Zambian Kwacha",16.908348934599999,5.9142380100000003E-2]