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[]
[null,"SELF MANAGED SUPERANNUATION FUND SERVICING CALCULATOR",null,null,"Version 1.2"]
[]
[]
[]
[]
[]
[]
[]
[null,"* Mandatory Field"]
[null,"LOAN DETAILS"]
[null,"SMSF Trust Name *"]
[null,"New Loan Amount *"]
[null,"Assessment Rate",null,null,{"$f":"IF(E15<>\"\",IF(E15>Data!$M$4,E15+Data!M6,IF(E15<=Data!$M$4,Data!M5)),\"\")","v":""}]
[null,"Borrowing Rate*"]
[null,"Loan Term (years) *",null,null,30]
[null,"Interest Only Term",null,null,0]
[null,null,null,null,0]
[null,"Total Amount of Deductible SMSF Lending (including this loan) *",null,null,0]
[]
[null,"EXPENSES","FREQUENCY","AMOUNT","TOTAL ANNUAL EXPENSE"]
[null,"Other Loan Repayments",null,0,{"$f":"IF(AND(C22<>\"\",D22>0),(D22*(VLOOKUP(C22,Data!$G$4:$H$7,2,0))),0)","v":0}]
[null,"Other Loan Limits/Schedule Balance (+ redraw)",null,0,{"$f":"ABS(PMT(Data!$M$5/12,360,D23))*12","v":0}]
[null,"SMSF Running Expenses *",null,0,{"$f":"IF(AND(C24<>\"\",D24>0),(D24*(VLOOKUP(C24,Data!$G$4:$H$7,2,0))),0)","v":0}]
[]
[null,"INCOME","FREQUENCY","AMOUNT","TOTAL ANNUAL INCOME"]
[null,"Mandatory Superannuation Contributions",null,0,{"$f":"IF(AND(C27<>\"\",D27>0),(D27*(VLOOKUP(C27,Data!$G$4:$H$7,2,0))),0)","v":0}]
[null,"Additional Superannuation Contributions",null,0,{"$f":"IF(AND(C28<>\"\",D28>0),(D28*(VLOOKUP(C28,Data!$G$4:$H$7,2,0))),0)","v":0}]
[null,"Rental Income (100%)",null,0,{"$f":"IF(AND(C29<>\"\",D29>0),(D29*(VLOOKUP(C29,Data!$G$4:$H$7,2,0))),0)*Data!$P$4","v":0}]
[null,"Investment Income (100%)",null,0,{"$f":"IF(AND(C30<>\"\",D30>0),(D30*(VLOOKUP(C30,Data!$G$4:$H$7,2,0))),0)","v":0}]
[null,"Other Income (please specify)",null,0,{"$f":"IF(AND(C31<>\"\",D31>0),(D31*(VLOOKUP(C31,Data!$G$4:$H$7,2,0))),0)","v":0}]
[null,"Total Gross Income",null,null,{"$f":"E27+E28+E29+E30","v":0}]
[null,"Interest Expense Add-Back",null,null,{"$f":"IF(E32>0,E19*(Data!M7),0)","v":0}]
[null,"Less Tax",null,null,{"$f":"IF(((E32-E33)<0),0,(E32-E33)*0.15)","v":0}]
[null,{"$f":"IF(D31>0,\"Other Income will not be included in serviceability calculations and should only be used to support current servicing position.\",\"\")","v":""}]
[]
[]
[null,"TOTAL NET INCOME",null,null,{"$f":"IF(E34>0,(E32-E34),E32)","v":0}]
[null,"PROPOSED ANNUAL REPAYMENTS",null,null,{"$f":"IF(AND(E13>0,E14>0,E16>0),(INT(-PMT(E14/12,(E16-E17)*12,E13)+1)*12),0)","v":0}]
[null,"TOTAL OTHER COMMITMENTS",null,null,{"$f":"MAX(E22:E23)+E24","v":0}]
[]
[null,"Net Surplus Ratio (NSR)",null,null,{"$f":"IF(AND(E38>0,E39>0,E40>0),(E38/(SUM(E39:E40))),0)","v":0}]

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[]
[null,"Version","Date","Author","Change",null,"Frequency",null,null,"Interest Only Term",null,"Assessment Rate","Rate",null,"INCOME","Rate"]
[null,1,"2023-12-13","Sameera Arachchige","Initial Release of the SMSF Servicing Calculator",null,"Weekly",52,null,0,null,"Base Rate",3.7499999999999999E-2,null,"Rental Income",0.8]
[null,1.1000000000000001,"2024-05-15","Sameera Arachchige","Updated buffer rate to 2.00% from 3.00%. \nUpdated floor rate to 5.75% from 5.25%.\nUpdated the Base Rate and changed NDI to NSR.\nAdded new parameter - Negative Gearing which will be used for calculating \"Interest Expense Addback\".",null,"Fortnightly",26,null,1,null,"Min Rate",5.7500000000000002E-2]
[null,1.2,"2024-09-03","Lyle Tacadena","Amended from version 1.1 to version 1.2\nChanges made to field B19 from “Total Amount of Investment Loans” to “Total Amount of Deductible SMSF Lending (including this loan) * (mandatory field)",null,"Monthly",12,null,2,null,"Buffer",0.02]
[null,null,null,null,null,null,"Annually",1,null,3,null,"Negative Gearing",0.06]
[null,null,null,null,null,null,null,null,null,4]
[null,null,null,null,null,null,null,null,null,5]
[null,null,null,null,null,null,null,null,null,6]
[null,null,null,null,null,null,null,null,null,7]
[null,null,null,null,null,null,null,null,null,8]
[null,null,null,null,null,null,null,null,null,9]
[null,null,null,null,null,null,null,null,null,10]