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{"sheet":"Serviceability Calculator","index":0,"n_rows":89,"n_cols":24,"rows_kept":89,"cut":false,"hidden":false,"merged":[[9,8,9,9],[17,8,17,9],[64,8,65,8],[0,0,3,10],[4,0,4,10],[7,0,7,10],[15,8,15,9],[33,8,33,10],[26,4,27,5],[25,0,25,10],[20,0,20,10],[5,8,5,10],[6,8,6,9],[17,2,17,5],[9,2,9,3],[11,6,11,7],[11,8,11,9],[15,2,15,5],[43,14,44,14],[10,12,20,16],[44,16,45,19],[11,2,11,3],[67,7,67,9],[32,0,32,10],[50,12,51,12],[43,12,44,12],[43,13,44,13],[50,13,51,13],[40,0,40,10],[35,11,37,16],[52,16,52,18],[44,3,44,4],[42,3,42,4],[61,0,61,10],[47,16,49,19]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"\nVERSION-2025-Q2 HEM\n"]
["INDICATIVE LOAN SERVICEABILITY CALCULATOR ",null,null,null,null,null,null,"Issue Date:","2025-11-03"]
["Loan Details"]
[]
[null,"Applicant 1 Name ","John",null,"Age",23,null,"LOAN ID",null,null,null,null,"Disclaimer"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Wisr has provided this Indicative Loan Serviceability Calculator to provide the user with an indication of a single or joint  loan  applicants capacity to meet their financial commitments.  This calculation is entirely indicative in nature and does not bind Wisr in any way.  Provision of this tool and and the calculation does not remove the obligation of a broker to make a preliminary assessment as required under the NCCP Act."]
[null,"Applicant 2 Name ",null,null,"Age",null,"Estimated Interest Rate",null,0.13539999999999999]
[]
[]
[]
[null,"Application Date",{"$f":"TODAY()","v":"2025-10-27"},null,null,null,null,"Total Liabilities"]
[]
[null,"Loan Term (Months)",84,null,null,null,null,"Total  Assets"]
[]
[]
["Applicant(s) Annual Income ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"State","No of dependents"]
["Applicant Name(s)",null,"Gross Annual Salary Income","Overtime","Commission/Recurring Bonuses","Second Job","Rental Income","Investment Income – Interes","Tax Applicable","Net Cash (Aft.Tax)",null,null,null,null,null,null,null,null,"NSW",0,null,2,null,"Married status Index"]
[{"$f":"\"1) \"&C10","v":"1) John"},null,90000,null,null,null,null,null,{"$f":"VLOOKUP(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8,TaxRates,2,TRUE)+VLOOKUP(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8,TaxRates,3,TRUE)*(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8-VLOOKUP(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8,TaxRates,1,TRUE))+SUM(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8)*0.02-SUM('Income Tax Rates'!F19:F20)","v":19587.699999999997},{"$f":"IF(SUM(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8)=0,0,IF(SUM(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8)-I23<0,0,SUM(C23+D23*0.8+E23*0.8+F23+$E$25+H23*0.8)-I23))","v":70412.3},null,null,null,null,null,null,null,null,"VIC",1,null,1,null,"Married"]
[{"$f":"\"2) \"&C12","v":"2) "},null,null,null,null,null,null,null,{"$f":"VLOOKUP(C24+D24*0.8+E24*0.8+F24+H24*0.8,TaxRates,2,TRUE)+VLOOKUP(C24+D24*0.8+E24*0.8+F24+H24*0.8,TaxRates,3,TRUE)*(C24+D24*0.8+E24*0.8+F24+H24*0.8-VLOOKUP(C24+D24*0.8+E24*0.8+F24+H24*0.8,TaxRates,1,TRUE))+SUM(C24+D24*0.8+E24*0.8+F24+H24*0.8)*0.02-SUM('Income Tax Rates'!F42:F43)","v":-700},{"$f":"IF(SUM(C24+D24*0.8+E24*0.8+F24+H24*0.8)=0,0,IF(SUM(C24+D24*0.8+E24*0.8+F24+H24*0.8)-I24<0,0,SUM(C24+D24*0.8+E24*0.8+F24+H24*0.8)-I24))","v":0},null,null,null,null,null,null,null,null,"QLD",2,null,2,null,"Single"]
["Partner's income verified for non-joint app",null,null,75088,{"$f":"IF($O$47=\"yes\",IF((G23)*0.8*$T$56>$L$49,(G23)*0.8*$T$56-$L$49,0),IF((G23)*0.8>$L$49,(G23)*0.8-$L$49,0))","v":0},null,"Net monthly Income after TAX  inc. MEDICARE LEVY",null,null,{"$f":"SUM(J23:J24)/12","v":5867.6916666666666},null,null,null,null,null,null,null,null,"SA",3,null,null,null,"Defacto"]
["Non-taxable Annual Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WA",4]
[null,"Description","Amount",null,"Possible addbacks for self-employed applicant",null,null,null,"Description","Amount",null,null,null,null,null,null,null,null,"TAS",5]
[null,"Family Tax Allowance &Supplements",null,null,null,null,"Amount",null,"Rent assistance",null,null,null,null,null,null,null,null,null,"NT",6]
[null,"Child Support",null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,"ACT",7]
[null,"VET Affairs Pension",null,null,"Super over contribution",null,null,null,null,null,null,null,null,null,null,null,null,null,null,8]
[null,"Carers Pension",null,null,"Other",null,null,null,null,null,null,null,null,null,null,null,null,null,null,9]
[null,null,null,null,null,null,null,"Net monthly NON TAXABLE INCOME",null,{"$f":"SUM(C28:C31,G29:G31,J28:J31*0.8)/12","v":0},null,null,null,null,null,null,null,null,null,10]
["Household general living expenses "]
[]
[null,"Marital status",null,null,null,"Single",null,null,{"$f":"IF(ISNUMBER($I$36),\"\",\"Please check the State&post code\")","v":""}]
[null,"Number of Dependants",null,null,null,2,null,null,{"$f":"IF((((INDEX(INDIRECT(IF(OR(F37=\"ACT\",F37=\"NT\"),\"\",F37)&' Income lookup tables'!Y14),MATCH(VLOOKUP($F$35,' Income lookup tables'!$AA$3:$AB$5,2,0)&$F$36,' Income lookup tables'!$A$13:$A$34&' Income lookup tables'!$B$13:$B$34,0),MATCH(SUM(C23+D23*0.8+E23*0.8+F23+E25+H23*0.8+C24+D24*0.8+E24*0.8+F24+H24*0.8)+D25+$J$32*12,' Income lookup tables'!$C$1:$T$1,1)))*52)/12)*((SUM(C23:H23)+J32*12)/(SUM(C23:H23)+J32*12+D25))>(((INDEX(INDIRECT(IF(OR(F37=\"ACT\",F37=\"NT\"),\"\",F37)&' Income lookup tables'!Y14),MATCH(VLOOKUP('Serviceability Calculator'!$F$35,' Income lookup tables'!$AA$3:$AB$5,2,0)&$F$36,' Income lookup tables'!$A$13:$A$34&' Income lookup tables'!$B$13:$B$34,0),MATCH(SUM(C23+D23*0.8+E23*0.8+F23+E25+H23*0.8+C24+D24*0.8+E24*0.8+F24+H24*0.8)+D25+$J$32*12,' Income lookup tables'!$C$1:$T$1,1)))*52)/12)*0.5,(((INDEX(INDIRECT(IF(OR(F37=\"ACT\",F37=\"NT\"),\"\",F37)&' Income lookup tables'!Y14),MATCH(VLOOKUP('Serviceability Calculator'!$F$35,' Income lookup tables'!$AA$3:$AB$5,2,0)&$F$36,' Income lookup tables'!$A$13:$A$34&' Income lookup tables'!$B$13:$B$34,0),MATCH(SUM(C23+D23*0.8+E23*0.8+F23+E25+H23*0.8+C24+D24*0.8+E24*0.8+F24+H24*0.8)+D25+$J$32*12,' Income lookup tables'!$C$1:$T$1,1)))*52)/12)*((SUM(C23:H23)+J32*12)/(SUM(C23:H23)+J32*12+D25)),(((INDEX(INDIRECT(IF(OR(F37=\"ACT\",F37=\"NT\"),\"\",F37)&' Income lookup tables'!Y14),MATCH(VLOOKUP('Serviceability Calculator'!$F$35,' Income lookup tables'!$AA$3:$AB$5,2,0)&$F$36,' Income lookup tables'!$A$13:$A$34&' Income lookup tables'!$B$13:$B$34,0),MATCH(SUM(C23+D23*0.8+E23*0.8+F23+E25+H23*0.8+C24+D24*0.8+E24*0.8+F24+H24*0.8)+D25+$J$32*12,' Income lookup tables'!$C$1:$T$1,1)))*52)/12)*0.5)","v":2267.8813723589847},null,null,"\"The Total (Yearly) Household General Living Expenses result for married and de-facto applicants applying alone reflects apportioning based on verifiable partner income  to max 50%\" "]
[null,"Application State",null,null,null,"QLD"]
[null,"Application PostCode",null,null,null,4703,null,"Monthly GLE",{"$f":"IF(I36>F40,I36*12,F40*12)/12","v":2267.8813723589847}]
[null,"Living Type",null,null,null,"Buyer",null,null,"Higher amount of HEM or declared GLE"]
[null,"Customer declared total General living expenses p/m",null,null,null,{"$f":"IF(SUM(C23:H23,J32*12)/SUM(C23:H23,J32*12,D25)<0.5,E40/2,E40*SUM(C23:H23,J32*12)/SUM(C23:H23,J32*12,D25))","v":0}]
["Financial Commitments"]
[]
[null,"Wisr Loan Amount",30000,"  Monthly Repayment",null,{"$f":"-PMT(I12/12,C18,F45,0)+IF(C46=\"Secured\",10,0)","v":601.19144937533713},null,"This Loan",null,"Monthly Amount"]
[null,"Application Fee",520,null,null,null,null,"Wisr P/Loan",null,{"$f":"F43","v":601.19144937533713},null,null,"Repayment","Frequency","Shared or not"]
[null,"Broker Fee",2000,"LOAN TOTAL",null,{"$f":"SUM(C43:C45)","v":32520},null,"Other Monthly Commitments :",null,null,null,null,null,null,null,null,"Applicant's actual P+I Mortgage payments (entered in pink cells) are increased by 5% to approx the buffer effect"]
[null,"Loan Product","Unsecured",null,null,null,null,"Mortgage (Owner Occupied)",null,{"$f":"IFERROR(M46*VLOOKUP(N46,$Q$62:$R$64,2,0)*IF(O46=\"Yes\",$T$56,1),0)*1/12","v":500},null,"Mortgage (O/O)",500,"Monthly","NO"]
[null,"Credit card & Personal loan liabilities break down ",null,null,null,null,null,"Net Mortgage liability for invest property",null,{"$f":"ABS(IF($O$47=\"yes\",IF((G23+G24)*0.8*$T$56>$L$49,0,((G23+G24)*0.8*$T$56-$L$49)),IF((G23+G24)*0.8>$L$49,0,(G23+G24)*0.8-$L$49)))/12","v":500},null,"Mortgage (IPL)",500,"Monthly","NO"]
[null,"Personal Loan breakdown","Amount","Balance","Repayment","Pmt Frequency","Consolidated","Boarding/Rent",null,{"$f":"IF(IF($C$12=\"\",IF(OR($F$39={\"Boarder\",\"Employer\"})=TRUE,650,IF($F$39=\"Living With Parents\",IF($F$10<26,400,650),0)),IF(OR($F$39={\"Renter\",\"Buyer\",\"Other\"})=TRUE,0,750))>IFERROR(M48*VLOOKUP(N48,$Q$62:$R$64,2,0)*IF(O48=\"Yes\",$T$56,1),0)/12,IF($C$12=\"\",IF(OR($F$39={\"Boarder\",\"Employer\"})=TRUE,650,IF($F$39=\"Living With Parents\",IF($F$10<26,400,650),0)),IF(OR($F$39={\"Renter\",\"Buyer\",\"Other\"})=TRUE,0,750)),IFERROR(M48*VLOOKUP(N48,$Q$62:$R$64,2,0)*IF(O48=\"Yes\",$T$56,1),0)/12)","v":0},null,"Board/Rent",null,"Monthly","Yes"]
[null,"pl",null,null,903,"Monthly","No","Credit Cards/OD total from the breakdown",null,{"$f":"SUMPRODUCT(C55:C61,--NOT(ISNUMBER(SEARCH(\"close\",G55:G61))))*0.038","v":76},null,{"$f":"IFERROR($M$47*VLOOKUP($N$47,$Q$62:$R$64,2,0)*IF($O$47=\"Yes\",$T$56,1),0)*1","v":6000}]
[null,null,null,null,null,"Monthly","No","Personal Loans total from the breakdown",null,{"$f":"SUMPRODUCT(E49:E53,LOOKUP(F49:F53,$Q$62:$Q$64,$R$62:$R$64),--NOT(ISNUMBER(SEARCH(\"close\",G49:G53))),IF(ISNUMBER(SEARCH(\"shared\",G49:G53)), T56,1))/12","v":903}]
[null,null,null,null,null,"Monthly","Yes to close",null,null,null,null,null,"Repayment","Frequency"]
[null,null,null,null,null,"Fortnightly","No","Any additional Living expenses (per month)"]
[null,null,null,null,null,"Monthly","Yes to close","Private School Fee",null,{"$f":"IFERROR(IFERROR(M53*VLOOKUP(N53,$Q$62:$R$64,2,0),0)*$T$56,0)/12","v":0},null,"Private School Fee",null,"Fortnightly",null,null,"Mortgage / Additional expenses Proportion Calculator based on Income ratio"]
[null,"Credit Card/Overdraft breakdown","Limit","Balance","Repayment","Pmt Frequency","Consolidated","Child Support/Maintenance",null,0,null,"Child Support",null,"Fortnightly",null,null,null,null,"for Mortgage","for Additional Expenses"]
[null,"cc",2000,null,null,null,"No","Private Health Insurance",null,0,null,"Private Health Insurance",null,"Monthly",null,null,null,null,"Weekly Repayment","% of Proportion"]
[null,null,null,null,null,null,"No","Life insurance/Pet Insurance",null,0,null,"Life insurance/Pet Insurance",null,"Monthly",null,null,"Applicant's income",{"$f":"SUM(C23:H23,J32*12)","v":90000},{"$f":"IFERROR($R$47*($R56/(SUM($R$55:$R$59))),\"\")","v":0},{"$f":"IFERROR(R56/(SUM($R$56:$R$57)),0)","v":0.5451637914324482}]
[null,null,null,null,null,null,"No","Other",null,0,null,"Additional Motor Vehicle (2nd car)",null,"Monthly",null,null,"Partner's income",{"$f":"D25","v":75088},{"$f":"IFERROR($R$47*($R57/(SUM($R$55:$R$59))),\"\")","v":0},{"$f":"IFERROR(R57/(SUM($R$56:$R$57)),0)","v":0.45483620856755186}]
[null,null,null,null,null,null,"No",null,null,0,null,"Other",null,"Monthly"]
[null,null,null,null,null,null,"No",null,null,0,null,null,null,"Monthly"]
[null,null,null,null,null,null,"No","TOTAL Monthly COMMITMENTS",null,{"$f":" J46+SUM(J48:J50)+SUM(J53:J59)+J44+J47","v":2580.191449375337}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Payment frequency","Multiplier","Consolidate","Shared or not"]
["Net Servicing Ratio",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",26,"No","Yes"]
[null,"Net cash after tax after addbacks (per month)",null,null,null,null,{"$f":"SUM(J25+J32)","v":5867.6916666666666},null,null,null,null,null,null,null,null,null,"Monthly",12,"Yes open","NO"]
[null,"Less Living Expenses (per month)",null,null,null,null,{"$f":"I38","v":2267.8813723589847},null,null,null,null,null,null,null,null,null,"Weekly",52,"Yes to close"]
[null,"Net Available ( per month)",null,null,null,null,{"$f":"SUM(G63-G64)","v":3599.8102943076819},null,{"$f":"IF((G67>8.34),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,null,null,null,null,null,null,"Shared loan- No"]
[null,"Commitments (per month)",null,null,null,null,{"$f":"J60","v":2580.191449375337},null,null,null,null,null,null,12,{"$f":"J25/N66","v":488.97430555555553},null,"Loan Term",null,"Shared Loan- Yes Open"]
[null,"Cash  Surplus  Available (per month)",null,null,null,null,{"$f":"G65-G66","v":1019.6188449323449},"( Minmum surplus per month $8.34)",null,null,null,null,null,null,null,null,36,null,"Shared Loan- to Close"]
[null,"Net Servicing Ratio",null,null,null,null,{"$f":"G65/G66","v":1.3951717788922966},"(Minmum 1.01)",null,null,null,null,null,null,null,null,60]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,84]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nontaxable  100%",null,"Notaxable 80%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Family Tax Allowance &Supplements",null,"Rent assistance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Child Support"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VET Affairs Pension"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disability Support Pension"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Carers Pension"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Carers allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aged Pension including overseas pension"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"taxable Income Type",null,"Discounted taxable income at 80%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Salary & Wages ",null,"Overtime"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"contracted income",null,"Commission / Bonuses (recurring)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Second Job",null,"Investment Income – Interes"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Committed Insurance Payments (e.g. income protection)",null,"Investment Income - Dividends"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government superannuation schemes",null,"Parental leave* conditions apply"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Parenting payments* conditions apply"]

{"sheet":"Lender Comparison","index":1,"n_rows":29,"n_cols":20,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
[]
[]
[null,"LENDER SCENARIO COMPARISON"]
[null,null,null,"Wisr",null,null,null,null,null,null,"Lender two",null,null,null,null,null,null,"Lender three"]
[null,"Loan details",null,null,null,null,null,null,"Loan details",null,null,null,null,null,null,"Loan details"]
[]
[null,null,"Loan Amount applied for",null,null,35000,null,null,null,"Loan Amount applied for",null,null,{"$f":"F7","v":35000},null,null,null,"Loan Amount applied for",null,null,{"$f":"F7","v":35000}]
[]
[null,null,"Lenders Fee",null,null,575,null,null,null,"Lenders Fee",null,null,575,null,null,null,"Lenders Fee",null,null,575]
[]
[null,null,"Origination Fee",null,null,990,null,null,null,"Origination Fee",null,null,990,null,null,null,"Origination Fee",null,null,990]
[]
[null,null,"Other Upfront lender fees",null,null,0,null,null,null,"Other Upfront lender fees",null,null,0,null,null,null,"Other Upfront lender fees",null,null,0]
[]
[null,null,"Total Amount of Credit",null,null,{"$f":"F7+F9+F11+F13","v":36565},null,null,null,"Total Amount of Credit",null,null,{"$f":"M7+M9+M11+M13","v":36565},null,null,null,"Total Amount of Credit",null,null,{"$f":"T7+T9+T11+T13","v":36565}]
[]
[null,null,"Interest Rate p.a",null,null,0.1,null,null,null,"Interest Rate p.a",null,null,0.11,null,null,null,"Interest Rate p.a",null,null,0.125]
[]
[null,null,"Term in Months",null,null,60,null,null,null,"Term in Months",null,null,60,null,null,null,"Term in Months",null,null,60]
[]
[null,null,"Monthly Account Fee",null,null,0,null,null,null,"Monthly Account Fee",null,null,0,null,null,null,"Monthly Account Fee",null,null,0]
[]
[null,"Results",null,null,null,null,null,null,"Results",null,null,null,null,null,null,"Results"]
[]
[null,null,"Monthly Repayment",null,null,{"$f":"PMT(F17/12,F19,-F15)+F21","v":776.89818986752448},null,null,null,"Monthly Repayment",null,null,{"$f":"PMT(M17/12,M19,-M15)+M21","v":795.01169965120255},null,null,null,"Monthly Repayment",null,null,{"$f":"PMT(T17/12,T19,-T15)+T21","v":822.63711121233018}]
[]
[null,null,"Total Repayment",null,null,{"$f":"F25*F19","v":46613.891392051468},null,null,null,"Total Repayment",null,null,{"$f":"M25*M19","v":47700.701979072153},null,null,null,"Total Repayment",null,null,{"$f":"T25*T19","v":49358.226672739809}]
[]
[null,null,"Total Interest",null,null,{"$f":"F27-F15","v":10048.891392051468},null,null,null,"Total Interest",null,null,{"$f":"M27-M15","v":11135.701979072153},null,null,null,"Total Interest",null,null,{"$f":"T27-T15","v":12793.226672739809}]

{"sheet":"LVR Calculator","index":2,"n_rows":29,"n_cols":9,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[null,"LVR Calculator"]
[null,"Please input into shaded cells",null,"Dealership Sale?","No"]
[]
[null,null,"Current Vehicle"]
[null,1,"Trade Value",15000,null,19,"RRP or RV*",31000,"*RRP for new cars and KM adjusted Retail Value for used cars."]
[null,2,"Outstanding Loan Balance",12000,null,20,"Amount of Credit",{"$f":"D29","v":30075},"=18"]
[null,3,"Equity",{"$f":"D8-D9","v":3000},"=1-2"]
[null,null,null,null,null,21,"LVR",{"$f":"H9/H8","v":0.97016129032258069},"=20/19"]
[null,null,"Purchase Vehicle",null,null,null,"Note:"]
[null,4,"Sale Price",31000,null,null,"- If LVR > 130%, +150bps will be applied to the interest rate."]
[null,5,"Deposit",1000,null,null,"- LVR > 130% is not available for assets aged 10-12 years at start of term"]
[null,6,"Trade Equity",{"$f":"D10","v":3000},"=3"]
[null,7,"Funds required",{"$f":"D13-D15-D14","v":27000},"=4-6-5"]
[]
[null,null,"Additional costs"]
[null,10,"Insurance",1000]
[null,11,"Warranty",500]
[null,12,"Other Fees",0]
[]
[null,13,"Net Amount Funded",{"$f":"D16+D19+D20+D21","v":28500},"Please insert into cell 'C42' in Serv. Calc"]
[]
[null,14,"LEF",525,"Please insert into cell 'C43' in Serv. Calc"]
[null,15,"Broker Fee",990,"Please insert into cell 'C44' in Serv. Calc"]
[null,16,"PPSR",10]
[null,17,"Private Sale Fee",{"$f":"_xlfn.IFS(E5=\"Yes\",0,E5=\"No\",50)","v":50}]
[null,18,"Amount of Credit",{"$f":"SUM(D23+D25+D26+D27+D28)","v":30075},"=13+14+15+16"]

{"sheet":" Income lookup tables","index":3,"n_rows":342,"n_cols":28,"rows_kept":342,"cut":false,"hidden":true,"merged":[]}
[null,"Income band",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"State",null,"Married status Index"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW",null,"Married",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC",null,"Single",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD",null,"Defacto",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACT"]
["HEM weekly lookup tables"]
["NSWMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,583,583,598,623,664,727,814,888,970,1019,1085,1201,1373,1388,1388,null,null,null,null,null,null,null,"Postcodelookup"]
[2,1,688,688,688,712,753,817,904,979,1061,1110,1176,1293,1466,1481,1481,null,null,null,null,null,null,null,{"$f":"TRIM(IF(OR('Serviceability Calculator'!I37=\"ACT\",'Serviceability Calculator'!I37=\"NT\"),\"ALL\",VLOOKUP('Serviceability Calculator'!$F$38,$Y$36:$Z$86,2)))","v":"NonMetro"}]
[2,2,754,754,754,779,819,882,969,1043,1125,1173,1239,1355,1527,1542,1542]
[2,3,846,846,846,846,886,949,1036,1110,1192,1240,1306,1422,1594,1609,1609]
[2,4,938,938,938,913,954,1016,1103,1177,1259,1308,1373,1490,1661,1676,1676]
[2,5,1030,1030,1030,980,1021,1084,1171,1244,1326,1375,1440,1557,1728,1743,1743]
[2,6,1122,1122,1122,1048,1088,1151,1238,1312,1394,1442,1508,1624,1795,1810,1810]
[2,7,1214,1214,1214,1115,1156,1218,1305,1379,1461,1509,1575,1691,1862,1877,1877]
[2,8,1306,1306,1306,1182,1223,1285,1372,1446,1528,1576,1642,1758,1929,1944,1944]
[2,9,1398,1398,1398,1250,1290,1353,1440,1513,1595,1643,1709,1825,1996,2011,2011]
[2,10,1490,1490,1490,1317,1357,1420,1507,1580,1662,1710,1776,1892,2063,2078,2078]
[1,0,296,311,326,351,392,455,542,616,699,747,813,930,1103,1117,1117]
[1,1,409,409,423,448,488,551,638,712,793,842,907,1023,1195,1209,1209]
[1,2,519,519,533,558,599,661,748,821,903,951,1017,1133,1304,1319,1319]
[1,3,644,644,644,668,709,771,858,931,1013,1061,1126,1242,1413,1428,1428]
[1,4,769,769,754,778,819,881,968,1041,1123,1170,1236,1351,1522,1537,1537]
[1,5,893,893,864,889,929,991,1078,1151,1232,1280,1345,1461,1631,1646,1646]
[1,6,1018,1018,974,999,1039,1101,1187,1261,1342,1390,1455,1570,1740,1755,1755]
[1,7,1143,1143,1085,1109,1149,1211,1297,1370,1452,1499,1564,1679,1849,1864,1864]
[1,8,1268,1268,1195,1219,1259,1321,1407,1480,1561,1609,1674,1789,1959,1973,1973]
[1,9,1393,1393,1305,1329,1369,1431,1517,1590,1671,1719,1784,1898,2068,2082,2082]
[1,10,1518,1518,1415,1440,1480,1541,1627,1700,1781,1828,1893,2008,2177,2191,2191,null,null,null,null,null,null,null,"MetroPostcode"]
[]
["NSWNonMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000,null,null,null,null,null,null,null,800,"ALL",null,"Metro  "]
[2,0,611,611,626,651,692,754,842,916,998,1046,1112,1229,1401,1416,1416,null,null,null,null,null,null,null,832,"ALL",null,"NonMetro"]
[2,1,715,715,715,740,781,845,932,1006,1089,1138,1204,1321,1494,1509,1509,null,null,null,null,null,null,null,833,"ALL",null,"All  "]
[2,2,782,782,782,806,847,910,997,1071,1153,1201,1267,1383,1555,1570,1570,null,null,null,null,null,null,null,899,"ALL"]
[2,3,874,874,874,874,914,977,1064,1138,1220,1268,1334,1450,1622,1637,1637,null,null,null,null,null,null,null,2000,"Metro"]
[2,4,966,966,966,941,981,1044,1131,1205,1287,1335,1401,1517,1689,1704,1704,null,null,null,null,null,null,null,2234,"Metro"]
[2,5,1058,1058,1058,1008,1049,1111,1198,1272,1354,1402,1468,1584,1756,1771,1771,null,null,null,null,null,null,null,2235,"NonMetro"]
[2,6,1150,1150,1150,1075,1116,1179,1266,1339,1421,1470,1535,1651,1823,1838,1838,null,null,null,null,null,null,null,2599,"NonMetro"]
[2,7,1242,1242,1242,1143,1183,1246,1333,1407,1489,1537,1602,1719,1890,1905,1905,null,null,null,null,null,null,null,2600,"ALL"]
[2,8,1334,1334,1334,1210,1251,1313,1400,1474,1556,1604,1670,1786,1957,1972,1972,null,null,null,null,null,null,null,2612,"ALL"]
[2,9,1426,1426,1426,1277,1318,1380,1467,1541,1623,1671,1737,1853,2024,2039,2039,null,null,null,null,null,null,null,2613,"NonMetro"]
[2,10,1518,1518,1518,1345,1385,1448,1535,1608,1690,1738,1804,1920,2091,2106,2106,null,null,null,null,null,null,null,2614,"ALL"]
[1,0,324,339,354,379,419,483,570,644,727,775,841,958,1130,1145,1145,null,null,null,null,null,null,null,2617,"ALL"]
[1,1,436,436,451,476,516,579,666,739,821,869,935,1051,1222,1237,1237,null,null,null,null,null,null,null,2618,"NonMetro"]
[1,2,546,546,561,586,626,689,775,849,931,979,1044,1160,1331,1346,1346,null,null,null,null,null,null,null,2899,"NonMetro"]
[1,3,671,671,671,696,736,799,885,959,1040,1088,1154,1270,1441,1455,1455,null,null,null,null,null,null,null,2900,"ALL"]
[1,4,796,796,781,806,846,909,995,1069,1150,1198,1263,1379,1550,1564,1564,null,null,null,null,null,null,null,2906,"ALL"]
[1,5,921,921,892,916,956,1019,1105,1178,1260,1308,1373,1488,1659,1673,1673,null,null,null,null,null,null,null,2907,"NonMetro"]
[1,6,1046,1046,1002,1026,1067,1129,1215,1288,1369,1417,1482,1598,1768,1782,1782,null,null,null,null,null,null,null,2910,"NonMetro"]
[1,7,1171,1171,1112,1137,1177,1239,1325,1398,1479,1527,1592,1707,1877,1892,1892,null,null,null,null,null,null,null,2911,"ALL"]
[1,8,1295,1295,1222,1247,1287,1349,1435,1508,1589,1636,1701,1816,1986,2001,2001,null,null,null,null,null,null,null,2914,"ALL"]
[1,9,1420,1420,1332,1357,1397,1459,1545,1617,1698,1746,1811,1926,2095,2110,2110,null,null,null,null,null,null,null,2915,"NonMetro"]
[1,10,1545,1545,1443,1467,1507,1569,1655,1727,1808,1856,1920,2035,2204,2219,2219,null,null,null,null,null,null,null,2999,"NonMetro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000,"Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3207,"Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3208,"NonMetro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3999,"NonMetro"]
["VicMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000,null,null,null,null,null,null,null,4000,"Metro"]
[2,0,600,600,615,640,681,743,831,905,987,1035,1101,1218,1390,1405,1405,null,null,null,null,null,null,null,4207,"Metro"]
[2,1,704,704,704,729,770,833,921,995,1078,1127,1193,1310,1483,1498,1498,null,null,null,null,null,null,null,4208,"NonMetro"]
[2,2,771,771,771,795,836,899,986,1060,1142,1190,1256,1372,1544,1559,1559,null,null,null,null,null,null,null,4299,"NonMetro"]
[2,3,863,863,863,863,903,966,1053,1127,1209,1257,1323,1439,1611,1626,1626,null,null,null,null,null,null,null,4300,"Metro"]
[2,4,955,955,955,930,970,1033,1120,1194,1276,1324,1390,1506,1678,1693,1693,null,null,null,null,null,null,null,4305,"Metro"]
[2,5,1047,1047,1047,997,1038,1100,1187,1261,1343,1391,1457,1573,1745,1760,1760,null,null,null,null,null,null,null,4306,"NonMetro"]
[2,6,1139,1139,1139,1065,1105,1168,1255,1328,1410,1459,1524,1640,1812,1827,1827,null,null,null,null,null,null,null,4499,"NonMetro"]
[2,7,1231,1231,1231,1132,1172,1235,1322,1396,1478,1526,1592,1708,1879,1894,1894,null,null,null,null,null,null,null,4500,"Metro"]
[2,8,1323,1323,1323,1199,1240,1302,1389,1463,1545,1593,1659,1775,1946,1961,1961,null,null,null,null,null,null,null,4519,"Metro"]
[2,9,1415,1415,1415,1266,1307,1370,1456,1530,1612,1660,1726,1842,2013,2028,2028,null,null,null,null,null,null,null,4520,"NonMetro"]
[2,10,1507,1507,1507,1334,1374,1437,1524,1597,1679,1727,1793,1909,2080,2095,2095,null,null,null,null,null,null,null,4999,"NonMetro"]
[1,0,313,328,343,368,408,472,559,633,716,764,830,947,1119,1134,1134,null,null,null,null,null,null,null,5000,"Metro"]
[1,1,425,425,440,465,505,568,655,728,810,858,924,1040,1211,1226,1226,null,null,null,null,null,null,null,5199,"Metro"]
[1,2,536,536,550,575,615,678,765,838,920,968,1034,1149,1321,1335,1335,null,null,null,null,null,null,null,5200,"NonMetro"]
[1,3,660,660,660,685,725,788,874,948,1030,1078,1143,1259,1430,1444,1444,null,null,null,null,null,null,null,5999,"NonMetro"]
[1,4,785,785,771,795,836,898,984,1058,1139,1187,1253,1368,1539,1553,1553,null,null,null,null,null,null,null,6000,"Metro"]
[1,5,910,910,881,905,946,1008,1094,1167,1249,1297,1362,1477,1648,1663,1663,null,null,null,null,null,null,null,6199,"Metro"]
[1,6,1035,1035,991,1016,1056,1118,1204,1277,1359,1406,1472,1587,1757,1772,1772,null,null,null,null,null,null,null,6200,"NonMetro"]
[1,7,1160,1160,1101,1126,1166,1228,1314,1387,1468,1516,1581,1696,1866,1881,1881,null,null,null,null,null,null,null,6999,"NonMetro"]
[1,8,1285,1285,1211,1236,1276,1338,1424,1497,1578,1626,1691,1805,1975,1990,1990,null,null,null,null,null,null,null,7000,"Metro"]
[1,9,1409,1409,1322,1346,1386,1448,1534,1607,1688,1735,1800,1915,2084,2099,2099,null,null,null,null,null,null,null,7099,"Metro"]
[1,10,1534,1534,1432,1456,1496,1558,1644,1716,1797,1845,1910,2024,2193,2208,2208,null,null,null,null,null,null,null,7100,"NonMetro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7999,"NonMetro"]
[]
[]
[]
[]
[]
[]
["vicnonmetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,635,635,649,674,715,778,865,939,1021,1070,1136,1252,1425,1440,1440]
[2,1,739,739,739,764,805,868,956,1030,1113,1161,1228,1345,1518,1533,1533]
[2,2,805,805,805,830,870,933,1020,1094,1176,1224,1290,1407,1578,1593,1593]
[2,3,897,897,897,897,938,1000,1087,1161,1243,1292,1357,1474,1645,1660,1660]
[2,4,989,989,989,964,1005,1068,1155,1228,1310,1359,1424,1541,1712,1727,1727]
[2,5,1081,1081,1081,1032,1072,1135,1222,1296,1378,1426,1492,1608,1779,1794,1794]
[2,6,1173,1173,1173,1099,1139,1202,1289,1363,1445,1493,1559,1675,1846,1861,1861]
[2,7,1265,1265,1265,1166,1207,1269,1356,1430,1512,1560,1626,1742,1913,1928,1928]
[2,8,1357,1357,1357,1233,1274,1337,1423,1497,1579,1627,1693,1809,1980,1995,1995]
[2,9,1449,1449,1449,1301,1341,1404,1491,1564,1646,1694,1760,1876,2047,2062,2062]
[2,10,1541,1541,1541,1368,1408,1471,1558,1631,1713,1761,1827,1943,2114,2129,2129]
[1,0,347,363,377,402,443,506,593,668,750,798,865,981,1154,1169,1169]
[1,1,460,460,474,499,539,602,689,763,844,893,958,1074,1246,1260,1260]
[1,2,570,570,584,609,649,712,799,872,954,1002,1068,1184,1355,1369,1369]
[1,3,695,695,695,719,760,822,909,982,1064,1112,1177,1293,1464,1479,1479]
[1,4,819,819,805,829,870,932,1018,1092,1173,1221,1287,1402,1573,1588,1588]
[1,5,944,944,915,939,980,1042,1128,1201,1283,1331,1396,1511,1682,1697,1697]
[1,6,1069,1069,1025,1050,1090,1152,1238,1311,1393,1440,1506,1621,1791,1806,1806]
[1,7,1194,1194,1135,1160,1200,1262,1348,1421,1502,1550,1615,1730,1900,1915,1915]
[1,8,1318,1318,1245,1270,1310,1372,1458,1531,1612,1659,1725,1839,2009,2024,2024]
[1,9,1443,1443,1355,1380,1420,1482,1568,1640,1721,1769,1834,1949,2118,2133,2133]
[1,10,1568,1568,1466,1490,1530,1592,1678,1750,1831,1879,1943,2058,2227,2242,2242]
[]
[]
["QLDMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,578,578,593,618,658,721,809,883,965,1013,1079,1196,1368,1383,1383]
[2,1,682,682,682,707,748,811,899,973,1056,1104,1171,1288,1461,1476,1476]
[2,2,748,748,748,773,814,877,964,1038,1120,1168,1234,1350,1522,1537,1537]
[2,3,841,841,841,841,881,944,1031,1105,1187,1235,1301,1417,1589,1604,1604]
[2,4,933,933,933,908,948,1011,1098,1172,1254,1302,1368,1484,1656,1671,1671]
[2,5,1025,1025,1025,975,1016,1078,1165,1239,1321,1369,1435,1551,1723,1738,1738]
[2,6,1117,1117,1117,1042,1083,1146,1233,1306,1388,1437,1502,1618,1790,1805,1805]
[2,7,1209,1209,1209,1110,1150,1213,1300,1374,1456,1504,1569,1685,1857,1872,1872]
[2,8,1301,1301,1301,1177,1218,1280,1367,1441,1523,1571,1637,1753,1924,1939,1939]
[2,9,1393,1393,1393,1244,1285,1347,1434,1508,1590,1638,1704,1820,1991,2006,2006]
[2,10,1485,1485,1485,1312,1352,1415,1502,1575,1657,1705,1771,1887,2058,2073,2073]
[1,0,290,306,321,346,386,449,537,611,693,742,808,925,1097,1112,1112]
[1,1,403,403,418,443,483,546,633,706,788,836,902,1018,1189,1204,1204]
[1,2,513,513,528,553,593,656,743,816,898,946,1012,1127,1299,1313,1313]
[1,3,638,638,638,663,703,766,852,926,1008,1056,1121,1237,1408,1422,1422]
[1,4,763,763,749,773,814,876,962,1036,1117,1165,1231,1346,1517,1531,1531]
[1,5,888,888,859,883,924,986,1072,1145,1227,1275,1340,1455,1626,1641,1641]
[1,6,1013,1013,969,994,1034,1096,1182,1255,1337,1384,1450,1565,1735,1750,1750]
[1,7,1138,1138,1079,1104,1144,1206,1292,1365,1446,1494,1559,1674,1844,1859,1859]
[1,8,1263,1263,1190,1214,1254,1316,1402,1475,1556,1604,1669,1784,1953,1968,1968]
[1,9,1388,1388,1300,1324,1364,1426,1512,1585,1666,1713,1778,1893,2062,2077,2077]
[1,10,1512,1512,1410,1434,1474,1536,1622,1695,1775,1823,1888,2002,2172,2186,2186]
[]
[]
[]
["QLDNonMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,641,641,655,680,721,784,871,945,1027,1076,1142,1258,1431,1446,1446]
[2,1,745,745,745,770,811,874,962,1036,1119,1167,1234,1351,1524,1539,1539]
[2,2,811,811,811,836,876,939,1026,1100,1182,1230,1296,1412,1584,1599,1599]
[2,3,903,903,903,903,943,1006,1093,1167,1249,1297,1363,1480,1651,1666,1666]
[2,4,995,995,995,970,1011,1074,1161,1234,1316,1365,1430,1547,1718,1733,1733]
[2,5,1087,1087,1087,1037,1078,1141,1228,1301,1384,1432,1498,1614,1785,1800,1800]
[2,6,1179,1179,1179,1105,1145,1208,1295,1369,1451,1499,1565,1681,1852,1867,1867]
[2,7,1271,1271,1271,1172,1213,1275,1362,1436,1518,1566,1632,1748,1919,1934,1934]
[2,8,1363,1363,1363,1239,1280,1342,1429,1503,1585,1633,1699,1815,1986,2001,2001]
[2,9,1455,1455,1455,1307,1347,1410,1497,1570,1652,1700,1766,1882,2053,2068,2068]
[2,10,1547,1547,1547,1374,1414,1477,1564,1637,1719,1767,1833,1949,2120,2135,2135]
[1,0,353,369,383,408,449,512,599,674,756,804,871,987,1160,1175,1175]
[1,1,465,465,480,505,545,608,695,768,850,899,964,1080,1252,1266,1266]
[1,2,576,576,590,615,655,718,805,878,960,1008,1074,1189,1361,1375,1375]
[1,3,700,700,700,725,765,828,915,988,1070,1118,1183,1299,1470,1484,1484]
[1,4,825,825,811,835,876,938,1024,1098,1179,1227,1293,1408,1579,1593,1593]
[1,5,950,950,921,945,986,1048,1134,1207,1289,1337,1402,1517,1688,1702,1702]
[1,6,1075,1075,1031,1055,1096,1158,1244,1317,1398,1446,1511,1627,1797,1811,1811]
[1,7,1200,1200,1141,1166,1206,1268,1354,1427,1508,1556,1621,1736,1906,1921,1921]
[1,8,1324,1324,1251,1276,1316,1378,1464,1537,1618,1665,1730,1845,2015,2030,2030]
[1,9,1449,1449,1361,1386,1426,1488,1574,1646,1727,1775,1840,1954,2124,2139,2139]
[1,10,1574,1574,1471,1496,1536,1598,1683,1756,1837,1884,1949,2064,2233,2248,2248]
[]
[]
[]
["SAMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,620,620,635,660,700,763,850,924,1007,1055,1121,1238,1410,1425,1425]
[2,1,724,724,724,749,790,853,941,1015,1098,1147,1213,1330,1503,1518,1518]
[2,2,790,790,790,815,856,918,1005,1079,1161,1210,1276,1392,1564,1579,1579]
[2,3,882,882,882,882,923,986,1073,1146,1229,1277,1343,1459,1631,1646,1646]
[2,4,974,974,974,950,990,1053,1140,1214,1296,1344,1410,1526,1698,1713,1713]
[2,5,1066,1066,1066,1017,1057,1120,1207,1281,1363,1411,1477,1593,1765,1780,1780]
[2,6,1159,1159,1159,1084,1125,1187,1274,1348,1430,1478,1544,1660,1832,1847,1847]
[2,7,1251,1251,1251,1151,1192,1255,1342,1415,1497,1545,1611,1727,1899,1914,1914]
[2,8,1343,1343,1343,1219,1259,1322,1409,1482,1564,1613,1678,1794,1966,1981,1981]
[2,9,1435,1435,1435,1286,1326,1389,1476,1550,1632,1680,1745,1861,2033,2048,2048]
[2,10,1527,1527,1527,1353,1394,1456,1543,1617,1699,1747,1813,1928,2100,2115,2115]
[1,0,332,348,363,387,428,491,579,653,735,784,850,967,1139,1154,1154]
[1,1,445,445,460,484,525,587,674,748,830,878,944,1060,1231,1246,1246]
[1,2,555,555,570,594,635,697,784,858,939,988,1053,1169,1340,1355,1355]
[1,3,680,680,680,705,745,807,894,967,1049,1097,1163,1278,1449,1464,1464]
[1,4,805,805,790,815,855,917,1004,1077,1159,1207,1272,1388,1558,1573,1573]
[1,5,930,930,900,925,965,1027,1114,1187,1268,1316,1382,1497,1667,1682,1682]
[1,6,1054,1054,1010,1035,1075,1137,1224,1297,1378,1426,1491,1606,1776,1791,1791]
[1,7,1179,1179,1121,1145,1185,1247,1333,1406,1488,1535,1601,1716,1885,1900,1900]
[1,8,1304,1304,1231,1255,1295,1357,1443,1516,1597,1645,1710,1825,1995,2009,2009]
[1,9,1429,1429,1341,1365,1405,1467,1553,1626,1707,1755,1820,1934,2104,2118,2118]
[1,10,1554,1554,1451,1476,1516,1577,1663,1736,1817,1864,1929,2043,2213,2227,2227]
[]
["SANONMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,577,577,592,617,658,721,808,882,964,1013,1079,1195,1368,1382,1382]
[2,1,682,682,682,707,747,811,898,973,1055,1104,1170,1287,1460,1475,1475]
[2,2,748,748,748,773,813,876,963,1037,1119,1167,1233,1349,1521,1536,1536]
[2,3,840,840,840,840,881,943,1030,1104,1186,1234,1300,1417,1588,1603,1603]
[2,4,932,932,932,907,948,1011,1098,1171,1253,1302,1367,1484,1655,1670,1670]
[2,5,1024,1024,1024,975,1015,1078,1165,1239,1321,1369,1435,1551,1722,1737,1737]
[2,6,1116,1116,1116,1042,1082,1145,1232,1306,1388,1436,1502,1618,1789,1804,1804]
[2,7,1208,1208,1208,1109,1150,1212,1299,1373,1455,1503,1569,1685,1857,1871,1871]
[2,8,1300,1300,1300,1176,1217,1280,1366,1440,1522,1570,1636,1752,1924,1938,1938]
[2,9,1393,1393,1393,1244,1284,1347,1434,1507,1589,1637,1703,1819,1991,2005,2005]
[2,10,1485,1485,1485,1311,1351,1414,1501,1575,1656,1705,1770,1886,2058,2072,2072]
[1,0,290,305,320,345,386,449,536,610,693,741,807,924,1097,1112,1112]
[1,1,403,403,417,442,483,545,632,706,788,836,901,1017,1189,1204,1204]
[1,2,513,513,528,552,593,655,742,815,897,945,1011,1127,1298,1313,1313]
[1,3,638,638,638,662,703,765,852,925,1007,1055,1120,1236,1407,1422,1422]
[1,4,763,763,748,773,813,875,962,1035,1117,1165,1230,1345,1516,1531,1531]
[1,5,888,888,858,883,923,985,1072,1145,1226,1274,1340,1455,1625,1640,1640]
[1,6,1012,1012,968,993,1033,1095,1182,1255,1336,1384,1449,1564,1734,1749,1749]
[1,7,1137,1137,1079,1103,1143,1205,1292,1365,1446,1494,1559,1674,1844,1858,1858]
[1,8,1262,1262,1189,1213,1254,1316,1401,1474,1555,1603,1668,1783,1953,1967,1967]
[1,9,1387,1387,1299,1324,1364,1426,1511,1584,1665,1713,1778,1892,2062,2076,2076]
[1,10,1512,1512,1409,1434,1474,1536,1621,1694,1775,1822,1887,2002,2171,2186,2186]
[]
[]
["WAMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,558,558,572,597,638,701,788,862,945,993,1059,1175,1348,1363,1363]
[2,1,662,662,662,687,728,791,878,953,1035,1084,1150,1267,1440,1455,1455]
[2,2,728,728,728,753,793,856,943,1017,1099,1148,1213,1330,1502,1516,1516]
[2,3,820,820,820,820,861,924,1011,1084,1166,1215,1281,1397,1569,1583,1583]
[2,4,912,912,912,887,928,991,1078,1152,1234,1282,1348,1464,1636,1650,1650]
[2,5,1004,1004,1004,955,995,1058,1145,1219,1301,1349,1415,1531,1703,1718,1718]
[2,6,1096,1096,1096,1022,1063,1125,1212,1286,1368,1416,1482,1598,1770,1785,1785]
[2,7,1189,1189,1189,1089,1130,1193,1280,1353,1435,1483,1549,1665,1837,1852,1852]
[2,8,1281,1281,1281,1157,1197,1260,1347,1420,1502,1551,1616,1732,1904,1919,1919]
[2,9,1373,1373,1373,1224,1265,1327,1414,1488,1570,1618,1683,1799,1971,1986,1986]
[2,10,1465,1465,1465,1291,1332,1394,1481,1555,1637,1685,1751,1866,2038,2053,2053]
[1,0,270,285,300,325,366,429,516,590,673,721,788,904,1077,1092,1092]
[1,1,383,383,398,422,463,525,612,686,768,816,882,998,1169,1184,1184]
[1,2,493,493,508,533,573,636,722,796,878,926,991,1107,1278,1293,1293]
[1,3,618,618,618,643,683,746,832,906,987,1035,1101,1216,1387,1402,1402]
[1,4,743,743,728,753,793,856,942,1015,1097,1145,1210,1326,1497,1511,1511]
[1,5,868,868,839,863,904,966,1052,1125,1207,1255,1320,1435,1606,1620,1620]
[1,6,993,993,949,973,1014,1076,1162,1235,1317,1364,1430,1545,1715,1730,1730]
[1,7,1118,1118,1059,1084,1124,1186,1272,1345,1426,1474,1539,1654,1824,1839,1839]
[1,8,1243,1243,1169,1194,1234,1296,1382,1455,1536,1584,1649,1763,1933,1948,1948]
[1,9,1368,1368,1280,1304,1344,1406,1492,1565,1646,1693,1758,1873,2042,2057,2057]
[1,10,1492,1492,1390,1414,1454,1516,1602,1675,1755,1803,1868,1982,2152,2166,2166]
[]
[]
["WANonMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,610,610,624,649,690,753,840,914,997,1045,1111,1227,1400,1415,1415]
[2,1,714,714,714,739,780,843,931,1005,1088,1136,1202,1320,1493,1507,1507]
[2,2,780,780,780,805,845,908,995,1069,1151,1199,1265,1382,1554,1568,1568]
[2,3,872,872,872,872,913,975,1062,1136,1218,1267,1332,1449,1621,1635,1635]
[2,4,964,964,964,939,980,1043,1130,1203,1286,1334,1400,1516,1688,1702,1702]
[2,5,1056,1056,1056,1007,1047,1110,1197,1271,1353,1401,1467,1583,1755,1769,1769]
[2,6,1148,1148,1148,1074,1114,1177,1264,1338,1420,1468,1534,1650,1822,1836,1836]
[2,7,1240,1240,1240,1141,1182,1244,1331,1405,1487,1535,1601,1717,1889,1903,1903]
[2,8,1332,1332,1332,1208,1249,1312,1399,1472,1554,1602,1668,1784,1956,1970,1970]
[2,9,1425,1425,1425,1276,1316,1379,1466,1539,1621,1669,1735,1851,2023,2037,2037]
[2,10,1517,1517,1517,1343,1384,1446,1533,1607,1688,1737,1802,1918,2090,2104,2104]
[1,0,322,338,352,377,418,481,568,643,725,773,840,956,1129,1144,1144]
[1,1,435,435,449,474,515,577,664,738,820,868,933,1049,1221,1236,1236]
[1,2,545,545,560,584,625,687,774,847,929,977,1043,1159,1330,1345,1345]
[1,3,670,670,670,694,735,797,884,957,1039,1087,1152,1268,1439,1454,1454]
[1,4,795,795,780,805,845,907,994,1067,1149,1196,1262,1377,1548,1563,1563]
[1,5,919,919,890,915,955,1017,1104,1177,1258,1306,1371,1487,1657,1672,1672]
[1,6,1044,1044,1000,1025,1065,1127,1213,1287,1368,1416,1481,1596,1766,1781,1781]
[1,7,1169,1169,1110,1135,1175,1237,1323,1396,1478,1525,1590,1705,1875,1890,1890]
[1,8,1294,1294,1221,1245,1285,1347,1433,1506,1587,1635,1700,1815,1984,1999,1999]
[1,9,1419,1419,1331,1355,1395,1457,1543,1616,1697,1744,1809,1924,2094,2108,2108]
[1,10,1544,1544,1441,1465,1505,1567,1653,1726,1807,1854,1919,2033,2203,2217,2217]
[]
[]
[]
["TASMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,614,614,629,653,694,757,844,918,1001,1049,1115,1232,1404,1419,1419]
[2,1,718,718,718,743,784,847,935,1009,1092,1140,1207,1324,1497,1512,1512]
[2,2,784,784,784,809,850,912,999,1073,1155,1204,1270,1386,1558,1572,1572]
[2,3,876,876,876,876,917,980,1067,1140,1223,1271,1337,1453,1625,1639,1639]
[2,4,968,968,968,944,984,1047,1134,1208,1290,1338,1404,1520,1692,1706,1706]
[2,5,1060,1060,1060,1011,1051,1114,1201,1275,1357,1405,1471,1587,1759,1774,1774]
[2,6,1152,1152,1152,1078,1119,1181,1268,1342,1424,1472,1538,1654,1826,1841,1841]
[2,7,1245,1245,1245,1145,1186,1249,1335,1409,1491,1539,1605,1721,1893,1908,1908]
[2,8,1337,1337,1337,1213,1253,1316,1403,1476,1558,1606,1672,1788,1960,1975,1975]
[2,9,1429,1429,1429,1280,1320,1383,1470,1544,1625,1674,1739,1855,2027,2042,2042]
[2,10,1521,1521,1521,1347,1388,1450,1537,1611,1693,1741,1806,1922,2094,2109,2109]
[1,0,326,342,356,381,422,485,573,647,729,778,844,961,1133,1148,1148]
[1,1,439,439,454,478,519,581,668,742,824,872,938,1054,1225,1240,1240]
[1,2,549,549,564,588,629,691,778,852,933,981,1047,1163,1334,1349,1349]
[1,3,674,674,674,699,739,801,888,961,1043,1091,1157,1272,1443,1458,1458]
[1,4,799,799,784,809,849,911,998,1071,1153,1201,1266,1382,1552,1567,1567]
[1,5,924,924,894,919,959,1021,1108,1181,1262,1310,1376,1491,1661,1676,1676]
[1,6,1048,1048,1004,1029,1069,1131,1218,1291,1372,1420,1485,1600,1770,1785,1785]
[1,7,1173,1173,1115,1139,1179,1241,1327,1400,1482,1529,1595,1709,1879,1894,1894]
[1,8,1298,1298,1225,1249,1289,1351,1437,1510,1591,1639,1704,1819,1989,2003,2003]
[1,9,1423,1423,1335,1359,1399,1461,1547,1620,1701,1749,1814,1928,2098,2112,2112]
[1,10,1548,1548,1445,1470,1510,1571,1657,1730,1811,1858,1923,2037,2207,2221,2221]
[]
[]
["TASNonMetro","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,606,606,620,645,686,749,836,910,992,1041,1107,1223,1396,1410,1410]
[2,1,710,710,710,735,776,839,926,1001,1083,1132,1198,1315,1488,1503,1503]
[2,2,776,776,776,801,841,904,991,1065,1147,1195,1261,1377,1549,1564,1564]
[2,3,868,868,868,868,909,971,1058,1132,1214,1262,1328,1445,1616,1631,1631]
[2,4,960,960,960,935,976,1039,1126,1199,1281,1330,1395,1512,1683,1698,1698]
[2,5,1052,1052,1052,1003,1043,1106,1193,1267,1349,1397,1463,1579,1750,1765,1765]
[2,6,1144,1144,1144,1070,1110,1173,1260,1334,1416,1464,1530,1646,1817,1832,1832]
[2,7,1236,1236,1236,1137,1178,1240,1327,1401,1483,1531,1597,1713,1884,1899,1899]
[2,8,1328,1328,1328,1204,1245,1308,1394,1468,1550,1598,1664,1780,1951,1966,1966]
[2,9,1420,1420,1420,1272,1312,1375,1462,1535,1617,1665,1731,1847,2018,2033,2033]
[2,10,1513,1513,1513,1339,1379,1442,1529,1602,1684,1732,1798,1914,2086,2100,2100]
[1,0,318,333,348,373,414,477,564,638,721,769,835,952,1125,1140,1140]
[1,1,431,431,445,470,510,573,660,734,815,864,929,1045,1217,1231,1231]
[1,2,541,541,555,580,621,683,770,843,925,973,1039,1155,1326,1341,1341]
[1,3,666,666,666,690,731,793,880,953,1035,1083,1148,1264,1435,1450,1450]
[1,4,790,790,776,800,841,903,990,1063,1144,1192,1258,1373,1544,1559,1559]
[1,5,915,915,886,911,951,1013,1099,1173,1254,1302,1367,1483,1653,1668,1668]
[1,6,1040,1040,996,1021,1061,1123,1209,1282,1364,1412,1477,1592,1762,1777,1777]
[1,7,1165,1165,1106,1131,1171,1233,1319,1392,1473,1521,1586,1701,1871,1886,1886]
[1,8,1290,1290,1217,1241,1281,1343,1429,1502,1583,1631,1696,1811,1980,1995,1995]
[1,9,1415,1415,1327,1351,1391,1453,1539,1612,1693,1740,1805,1920,2089,2104,2104]
[1,10,1539,1539,1437,1461,1501,1563,1649,1722,1802,1850,1915,2029,2199,2213,2213]
[]
[]
["All(ACT&NT)","No of dependents",0,26000,39000,52000,66000,79000,105000,131000,157000,184000,210000,262000,328000,394000,656000]
[2,0,624,624,639,664,704,767,855,929,1011,1059,1125,1242,1414,1429,1429]
[2,1,728,728,728,753,794,857,945,1019,1102,1151,1217,1334,1507,1522,1522]
[2,2,794,794,794,819,860,923,1010,1083,1166,1214,1280,1396,1568,1583,1583]
[2,3,886,886,886,886,927,990,1077,1151,1233,1281,1347,1463,1635,1650,1650]
[2,4,978,978,978,954,994,1057,1144,1218,1300,1348,1414,1530,1702,1717,1717]
[2,5,1071,1071,1071,1021,1062,1124,1211,1285,1367,1415,1481,1597,1769,1784,1784]
[2,6,1163,1163,1163,1088,1129,1191,1278,1352,1434,1482,1548,1664,1836,1851,1851]
[2,7,1255,1255,1255,1156,1196,1259,1346,1419,1501,1550,1615,1731,1903,1918,1918]
[2,8,1347,1347,1347,1223,1263,1326,1413,1487,1568,1617,1682,1798,1970,1985,1985]
[2,9,1439,1439,1439,1290,1331,1393,1480,1554,1636,1684,1749,1865,2037,2052,2052]
[2,10,1531,1531,1531,1357,1398,1460,1547,1621,1703,1751,1817,1933,2104,2119,2119]
[1,0,337,352,367,392,432,495,583,657,739,788,854,971,1143,1158,1158]
[1,1,449,449,464,488,529,592,678,752,834,882,948,1064,1235,1250,1250]
[1,2,559,559,574,599,639,702,788,862,944,992,1057,1173,1344,1359,1359]
[1,3,684,684,684,709,749,811,898,971,1053,1101,1167,1282,1453,1468,1468]
[1,4,809,809,794,819,859,921,1008,1081,1163,1211,1276,1392,1562,1577,1577]
[1,5,934,934,904,929,969,1031,1118,1191,1272,1320,1386,1501,1671,1686,1686]
[1,6,1058,1058,1015,1039,1079,1141,1228,1301,1382,1430,1495,1610,1780,1795,1795]
[1,7,1183,1183,1125,1149,1189,1251,1338,1411,1492,1539,1605,1720,1890,1904,1904]
[1,8,1308,1308,1235,1259,1299,1361,1447,1520,1601,1649,1714,1829,1999,2013,2013]
[1,9,1433,1433,1345,1369,1409,1471,1557,1630,1711,1759,1824,1938,2108,2122,2122]
[1,10,1558,1558,1455,1480,1520,1581,1667,1740,1821,1868,1933,2047,2217,2231,2231]

{"sheet":"Income Tax Rates","index":4,"n_rows":43,"n_cols":10,"rows_kept":43,"cut":false,"hidden":true,"merged":[[7,0,7,2]]}
["Threshold","Amount","Rate",null,"Taxoffset will be avaialbe up to financial year 2021 to 2022"]
[0,0,0,null,"Low income tax offset","Amount",null,null,"Taxable income Applicant1",{"$f":"'Serviceability Calculator'!C23+SUM('Serviceability Calculator'!D23:E23)*0.8+'Serviceability Calculator'!H23*0.8+'Serviceability Calculator'!E25+'Serviceability Calculator'!F23","v":90000}]
[18201,0,0.16,null,0,700]
[45001,4288,0.3,null,37501,{"$f":"IF(AND(J2>=E4,J2<=E5),F3-(J2-E4)*0.05,0)","v":0},null,"between $37,501 and $45,000, you will get $700 minus 5 cents for every $1 above $37,500"]
[135001,31288,0.37,null,45001,{"$f":"IF(AND(J2>=E5,J3<E6),325-(J2-E5)*0.015,0)","v":-349.98500000000001},null,"between $45,001 and $66,667, you will get $325 minus 1.5 cents for every $1 above $45,000"]
[190000,51638,0.45,null,66667,0]
[]
[]
[null,null,null,null,"Low and Middle  income tax offset","Amount"]
["Medicare Surcharge for single",null,null,null,0,0]
["Threshold","Rate",null,null,37000,0]
[0,0,null,null,48000,0]
[90000,0.01,null,null,90000,0]
[105000,1.2500000000000001E-2,null,null,126000,0]
[140000,1.4999999999999999E-2]
[]
[]
[null,null,null,null,"Applicant one"]
[null,null,null,null,"Low income tax offset",{"$f":"VLOOKUP(J2,$E$3:$F$6,2)","v":0}]
["Medicare Surcharge for couple",null,null,null,"Low and Middle income tax offset",{"$f":"VLOOKUP(J2,$E$10:$F$14,2)","v":0}]
["Threshold","Rate"]
[0,0]
[180000,0.01]
[210000,1.2500000000000001E-2]
[280000,1.4999999999999999E-2]
[null,null,null,null,"Low income tax offset","Amount",null,null,"Taxable income Applicant2",{"$f":"'Serviceability Calculator'!C24+SUM('Serviceability Calculator'!D24:E24)*0.8+'Serviceability Calculator'!H24*0.8+'Serviceability Calculator'!F24","v":0}]
[null,null,null,null,0,700]
[null,null,null,null,37501,{"$f":"IF(AND(J26>=E28,J26<=E29),F27-(J26-E28)*0.05,0)","v":0},null,"between $37,501 and $45,000, you will get $700 minus 5 cents for every $1 above $37,500"]
["Threshold for a Discretionary Basics",null,null,null,45001,{"$f":"IF(AND(J26>=E29,J27<E30),325-(J26-E29)*0.015,0)","v":0},null,"between $45,001 and $66,667, you will get $325 minus 1.5 cents for every $1 above $45,000"]
["Pay TV - $20/month = $240 per year",null,null,null,66667,0]
["Child Care - $10/week= $520 per year"]
[]
[null,null,null,null,"Low and Middle  income tax offset","Amount"]
[null,null,null,null,0,0]
[null,null,null,null,37000,0]
[null,null,null,null,48000,0]
[null,null,null,null,90000,0]
[null,null,null,null,126000,0]
[]
[]
[null,null,null,null,"Applicant Two"]
[null,null,null,null,"Low income tax offset",{"$f":"VLOOKUP(J26,E27:F30,2)","v":700}]
[null,null,null,null,"Low and Middle income tax offset",{"$f":"VLOOKUP(J26,E34:F38,2)","v":0}]