A CLEARER STARTING POINT · FRF PLANNING TOOLS
Year-to-date
income calculator.
Turn the income on your payslip into a useful annual estimate. Then talk through what it means for your plans.
Indicative only. This is a gross income estimate before tax. It is not take-home pay, guaranteed future earnings or the income a lender will necessarily accept.
YOUR PAYSLIP. YOUR PACE.
Start with your latest payslip.
Use the YTD amount and dates for one employer. Check that the amount covers the period you enter.
A STARTING POINT FOR YOUR CONVERSATION
Your indicative estimate
Enter your payslip details and select Calculate my estimate.
We’ll show the annual figure, regular-pay equivalents and the dates used.
Annualised gross income
Indicative only · before tax · AUD
- Monthly equivalent
- Fortnightly equivalent
- Weekly equivalent
These equivalents divide the annual estimate by 12, 26 and 52. They are not a forecast of individual pays.
What this is based on
- YTD gross entered
- Amount left out
- Income annualised
- Period covered
- Calendar days covered
- Financial year
Keep the bigger picture in view. This assumes the same average earning pattern continues. Bonuses, overtime, unpaid leave, changes in hours or a pay rise can make the estimate less representative.
This is general information, not credit or financial advice, a borrowing-capacity assessment, pre-approval or a loan offer. A lender assesses verified income and your full circumstances under its own requirements.
UNDERSTAND THE NUMBER
Useful context.
Clear assumptions.
An estimate is most useful when you know what is behind it. Open the question that matters to you.
How is the annual estimate calculated?
FRF uses a calendar-day method: the YTD gross amount, less any exclusion you enter, divided by the days covered, multiplied by the days in that Australian financial year.
The period starts on 1 July, or your employment start date if you joined later. Both the start and end date are counted. The financial year is determined from the payslip period-end date and contains 365 or 366 days. Weekends and unpaid days stay in the period.
The result is a full-year equivalent at the observed earning pace. If you started part-way through the year, it is not the total you will actually earn by 30 June. Other tools may use rounded pay periods or a different day-count method, so their results may differ.
What if my payslip includes a bonus or my pay has changed?
You can leave out an identifiable one-off amount using the optional field. The amount is removed once before annualising and is not added back. This does not establish your regular salary or the income a lender will accept.
A pay rise, changing hours or unpaid leave may need a separate review of your current pay and employment records. Short periods are especially sensitive to unusual payments. We do not automatically apply a 48-week casual-income adjustment.
What if I changed employers or the YTD figure reset?
Keep each employer’s income and dates together. Do not combine earlier employment income with a shorter period at a new employer.
If payroll has reset the YTD balance, a payslip crosses June and July, or you are unsure which dates the total covers, ask payroll to confirm before using this tool. It does not adjust for payroll timing or partially paid periods.
Does this show take-home pay or taxable income?
No. It annualises the gross amount you enter and does not calculate income tax, Medicare levy, HELP repayments, deductions, salary-sacrifice adjustments or employer superannuation.
For a separate tax illustration, visit Moneysmart’s income tax calculator ↗ and check its input instructions and assumptions. This YTD result may not be the right taxable-income input for your circumstances.
Definitions and further reading
- Fair Work Ombudsman: understanding payslip information ↗
- Australian Taxation Office: access your income statement ↗
- ASIC Moneysmart: income tax calculator and assumptions ↗
Method and explanatory content checked 15 October 2026. This is an FRF planning tool, not an ATO, Fair Work or lender calculator.