Income Annualisation Calculator

Use our free calculators to help you with your purchase.

Calculate your earnings to date with our income annualiser


Our free, easy-to-use online income annualisation calculator tells what you’re likely to earn this year based on how much money you’ve received so far. Your annual income is one of the key factors that lenders use to determine how much they are willing to offer for a residential mortgage. Fill the income annualiser with your net income from gross wages, rental income, and other profit sources (such as bonuses and commission) to view your projected income for the financial year.


Aside from your annualised income, lenders also assess ongoing dues, credit history and financial liabilities. These include any current mortgages, credit card dues, and general living/household expenses. By subtracting your income from your expenses, lenders can determine if you have enough cash flow to take on a new debt, and how much you can comfortably afford to pay every month. While the criteria for how much you can borrow varies from lender to lender, there are ways you can improve your overall borrowing capacity. A stronger borrowing power will give you more choices of property types and locations.


To help you get started on your road to homeownership, we’ve created this online annualised income calculator to help you estimate your earnings. For expert home loan advice, speak with one of our mortgage brokers. We’re happy to give you a complimentary, obligation-free consultation.


Looking to buy a property? Start with our income annualiser


Your income plays a big role in the amount you can borrow for a home mortgage. Rateseeker’s Income Annualisation Calculator helps would-be borrowers estimate their earnings for the financial year. Once you have an annualised income figure, you can use the Borrowing Power Calculator to work out how much lenders would likely offer based on your income, credit history, living expenses.


Whether you’re a first-time homebuyer or in the market for a vacation home, Rateseeker has you covered. With access to Australia’s major banks and top lenders, we help borrowers secure the best mortgage rates that are available to them. We do the hard work of comparing hundreds of loan products to find the one that best matches your financial capabilities and handle all the headaches and paperwork of the loan process at no cost to you.


To find out exactly how much you can borrow based on your individual situation, call our mortgage specialists for a complimentary, obligation-free consultation.

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