Net to GrossCalculator

How this income gross-up calculator works

This income gross-up calculator converts your net (after-tax) income into an estimated gross (before-tax) amount that lenders may use for loan servicing. It's useful if you know what lands in your bank account each pay, but need to understand the gross income figure that appears on a home loan or personal finance application.

Different banks and lenders can apply different tax assumptions, loading or shading to income types such as overtime, commission, bonuses and allowances. The figures from this calculator are a guide only, but they can help you have a more informed conversation about borrowing power with a mortgage broker or lender.

• Convert net take-home pay to an indicative gross income figure
• Understand how your pay translates into lender servicing numbers
• Prepare for pre-approval or a full home loan application
• Use the result with other tools like our borrowing power calculator

Presenting your income strongly for loan applications

How your income is structured can impact how much you can borrow. Some practical tips for improving how your income is viewed by lenders include:

• Maintaining consistent hours and minimising large swings in overtime or commission where possible
• Keeping clear records of payslips, group certificates and tax returns
• Understanding how lenders treat allowances, bonuses and secondary jobs
• Getting advice early if you're about to change jobs or move to self-employment

We can review your payslips and tax documents and explain how different lenders in Sydney and across Australia would likely view your income for servicing, then match you with those that fit best.

Income gross-up calculator FAQs