Calculator · Central Lending Solutions
Income Gross-Up Calculator
Convert net income figures (after tax) back to a gross annual salary equivalent. Useful when comparing employment offers or assessing borrowing capacity from net pay slips.
Why this matters
What this calculator is actually telling you.
Lenders assess gross income for serviceability. If you only have net figures, this calculator works backwards to the gross number lenders need.
Questions
Frequently asked.
Is the income gross-up calculator accurate?
The income gross-up calculator uses standard Australian financial formulas and the MFAA-approved Vision Abacus engine. It is an estimate, not a quote. For an accurate borrowing or repayment figure tailored to your situation, book a free chat with a Central Lending Solutions broker.
What if my numbers are different?
Adjust the inputs and the result updates live. The calculator is built to be played with. The graphs and tables update as you change the numbers.
Will using this affect my credit score?
No. The calculator runs entirely in your browser. Nothing is submitted, recorded or shared with a lender. Your credit file is untouched.
Where do I go for help if I want this applied to my own loan?
Call 0489 082 257 or book a free chat. A Central Lending Solutions broker will run the numbers against your real situation across more than 30 lenders.
Want this applied to your real situation?
Talk to Dave.
No fee for most clients. A real conversation about your numbers and your options across 30+ lenders. Most clients hear back the same day.