YTD & Income AnnualisationCalculator

How this income annualisation calculator works

This income annualisation calculator takes variable, casual, contract or self-employed income and converts it to an annualised figure. That's similar to how lenders in Sydney and across Australia, especially in specialist lending, assess irregular income when working out whether you can afford a home loan or investment loan.

You can use it to turn year-to-date figures, recent months of income or other irregular patterns into a single yearly amount. Lenders then apply their own rules about averaging periods, shading percentages and documentation (like tax returns or BAS statements), so this tool is a guide, not a final assessment.

• Estimate annual income from seasonal or fluctuating earnings
• See how contract or self-employed income might look to a lender
• Prepare for conversations about borrowing power and loan options
• Use the result alongside our borrowing power calculator

Putting your variable income in the best light

If you're self-employed or on variable income, good preparation can make a big difference to how lenders view your application. Helpful steps can include:

• Keeping your financials and tax returns up to date
• Showing a consistent or growing income trend over time
• Separating business and personal expenses clearly
• Working with a broker who understands self-employed and specialist lending

We can help you understand which lenders are more flexible with contractors, ABN income and self-employed applicants, and how to present your income and financials in a way that supports your goals.

Income annualisation calculator FAQs