PWE Loan Calculator

A payslip in, an annual income out

放进一张工资单，得出一个年收入

Hourly or salary, annualised from year-to-date figures, with overtime, allowances, bonus and commission kept apart so nothing is counted twice. PAYG withholding, the Medicare levy, study loan repayments and employer super at the statutory 12% are worked out alongside. All of that is free.

时薪或年薪，按 YTD 数字年化；加班、津贴、奖金与佣金分开列示，避免重复计算。PAYG 预扣、Medicare 税、学生贷款还款，以及按法定 12% 计的雇主养老金，一并算出。这些全部免费。

With Pro Annual, the assistant reads the payslip for you, from the camera, a photo, a PDF or a file. You check every figure before it goes in, and each one says where it came from.

订了 Pro Annual，助手会替你读工资单：用相机拍，或从照片、PDF、文件里读。每个数字填进去之前都由你核对，而且每个都注明出处。

How borrowing power is assessed

借贷能力是怎么评估的

• Rate: the rate you enter plus a 3% buffer — 6.00% is assessed at 9.00% — for the new loan and any existing home loans. There is no minimum floor rate.
• Living expenses: the app's own benchmark, not HEM — $1,600 a month for a single, $2,800 for a couple, $400 for each dependant, plus 1% a year of income above $50,000. Declared expenses are not used.
• Commitments: other loans at the repayment you enter; existing home loans at their own rate plus 3%, over the new loan's term, up to 30 years; credit cards at 3.8% of the limit each month, used or not. Rental income counts at 80% by default; you can change the haircut.
• A DTI cap: total debt at most six times assessable income, less existing balances and card limits. The answer is the lower of what the monthly surplus can repay and that cap.

• 利率：你填的利率加 3% 缓冲（6.00% 按 9.00% 评估），新贷款和现有房贷都这样算；没有最低评估利率。
• 生活支出：用 app 自己的基准，不是 HEM：单人每月 $1,600，夫妻 $2,800，每个供养人加 $400；收入超过 $50,000 的部分，每年再加 1%。不使用申报的支出。
• 负债：其他贷款按填的月供计入；现有房贷按它自己的利率加 3%、按新贷款的期限摊还，最长 30 年；信用卡每月按额度的 3.8% 计，用不用都算。租金收入默认计入 80%，折扣比例可以自己调。
• DTI 上限：总负债不超过可评估收入的 6 倍，并扣除现有负债余额和卡额度。结果取「月结余能还得起的额度」和这个上限中较低的那个。

It is a simplified model. Borrowing power is indicative: each lender applies its own assessment rate, living-expense benchmark and policy.

这是简化模型。借贷能力只是参考：每家贷款机构都有自己的评估利率、生活支出基准和政策。

Pro Annual

An assistant that writes words, never figures

助手只写文字，从不写数字

The assistant runs on the device too. It drafts the note to your client from the figures the report will print, the next steps for this client, and the message that goes with the report. It also writes a Chinese version of your note, with lending terms such as LVR and offset account kept in English and explained underneath.

助手同样在设备上运行。它根据报告里会印出的数字，替你起草给客户的说明、这位客户的下一步，以及随报告一起发出的那段话；还能把你的说明写成中文版：LVR、offset account 这类贷款术语保留英文，下面用白话解释。

Every number comes from the calculators. Nothing is uploaded, and your client's name never goes to the model. You read each draft, then use it, change it or leave it out. It needs an iPhone or iPad that supports Apple Intelligence, with it turned on.

每个数字都来自计算器。不上传任何内容，客户的名字也不会交给模型。每份草稿你都先读，再决定采用、修改还是不用。需要支持 Apple Intelligence 的 iPhone 或 iPad，并且已经打开它。