Year-to-Date Income Calculator

Part-way through the financial year, the year-to-date figure on your payslip is the most reliable number you have. This turns it into a yearly income — which is what a lender assesses, and what the other calculators here ask for.

Your income for the year

$0a year

Enter your year-to-date figure below.

From your payslip

Year-to-date amount

Date of that pay

Is that figure before or after tax?

Before taxThe YTD gross on your payslipAfter taxWhat was actually paid to you

How often are you paid?

Pays received (optional)

We've assumed 0 pays since 1 July. If you started part-way through the year, put the real number in.

This is general information only and not financial or tax advice. Annualising a year-to-date figure assumes the rest of the year looks like the part already worked — a bonus, back pay or a leave payout will push the estimate high, and unpaid leave will push it low. Tax is estimated using published ATO rates for the financial year the pay date falls in, and covers income tax and the Medicare levy only. Lenders apply their own rules to year-to-date income and may reach a different figure.