{
  "title": "Paycalcmate $100,000 Melbourne Housing Scenarios",
  "description": "Six calculated salary and housing scenarios. Published rent observations are kept with their own reference dates; sharing and the Melbourne $100 increase are illustrative choices. Two further calculations test the gross raise needed to cover a chosen extra $100 weekly housing cost.",
  "publisher": "Paycalcmate",
  "author": "Dan",
  "checkedAt": "2026-10-03",
  "financialYear": "2026-27",
  "temporalCoverage": "2026-07-01/2027-06-30",
  "currency": "AUD",
  "variableMeasured": [
    "Monthly cash after housing",
    "Housing share of individual take-home pay",
    "Gross raise needed to cover a chosen extra housing cost after tax"
  ],
  "method": "Calculate full-year salary tax with and without sufficient HELP debt. Convert personal weekly rent to monthly using 52/12. Subtract housing only from unrounded monthly take-home. Round displayed scenario values to cents. No other living costs, benefits, savings or household income assumed. These are Paycalcmate calculated examples, not a cost-of-living survey.",
  "taxSettings": {
    "gross": 100000,
    "year": "2026-27",
    "freq": "annual",
    "packageType": "excludes",
    "household": "single",
    "standardDeduction": true,
    "privateHospital": false,
    "superCapped": true
  },
  "earningsObservation": {
    "city": "Greater Melbourne",
    "allEmployeesWeeklyAud": 1400,
    "fullTimeWeeklyAud": 1701.447,
    "allEmployeesRsePercent": 1.5,
    "fullTimeRsePercent": 1.6,
    "allEmployeesSourceCell": "Data 2!O64167",
    "fullTimeSourceCell": "Data 2!G64167",
    "referencePeriod": "August 2025"
  },
  "rentReferencePeriod": "July to September 2025",
  "limitations": [
    "Rent and earnings dates differ. No inflation adjustment is applied.",
    "Sharing splits only housing, not taxes or household earnings.",
    "City guides are not a like-for-like current rent ranking.",
    "The standard work deduction may be settled at tax time; actual payslip cash can differ.",
    "The rent and earnings observations describe separate populations. They are not paired employee and tenant records. Metropolitan Melbourne and the ABS Greater Melbourne grouping must not be assumed to have identical boundaries."
  ],
  "sources": [
    {
      "label": "ABS August 2025 employee earnings, Table 2: full-time city medians",
      "url": "https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/aug-2025/63370_Table02.xlsx"
    },
    {
      "label": "ABS Employee earnings: latest release checked October 2026",
      "url": "https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/aug-2025"
    },
    {
      "label": "Homes Victoria: September 2025 Rental Report and new-letting definitions",
      "url": "https://www.dffh.vic.gov.au/publications/rental-report"
    },
    {
      "label": "ASIC Moneysmart: Australian resident income tax",
      "url": "https://moneysmart.gov.au/work-and-tax/income-tax"
    },
    {
      "label": "Medicare Levy Act: ordinary levy rules, in force 1 July 2026",
      "url": "https://www.legislation.gov.au/C2004A03351/2026-07-01/2026-07-01/text/original/epub/OEBPS/document_1/document_1.html"
    },
    {
      "label": "PrivateHealth.gov.au: 2026-27 surcharge thresholds and hospital cover",
      "url": "https://privatehealth.gov.au/health_insurance/surcharges_incentives/medicare_levy.htm"
    },
    {
      "label": "2026 standard work deduction: enacted legislation, Schedule 4",
      "url": "https://www.legislation.gov.au/C2026A00049/asmade/2026-06-26/text/original/epub/OEBPS/document_1/document_1.html"
    },
    {
      "label": "2026-27 indexed HELP repayment thresholds",
      "url": "https://www.legislation.gov.au/C2026G00249/asmade/2026-04-20/text/original/epub/OEBPS/document_1/document_1.html"
    }
  ],
  "scenarios": [
    {
      "housing": "Reference home, paid alone",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 580,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 580,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 2513.33,
      "cashAfterHousingMonthly": 3970,
      "housingShareOfTakeHomePercent": 38.77
    },
    {
      "housing": "Reference home, paid alone",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 580,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 580,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 2513.33,
      "cashAfterHousingMonthly": 3601.6,
      "housingShareOfTakeHomePercent": 41.1
    },
    {
      "housing": "Reference home, half the rent",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 580,
      "scenarioKind": "illustrative equal share",
      "rentShare": 0.5,
      "personalHousingWeekly": 290,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 1256.67,
      "cashAfterHousingMonthly": 5226.67,
      "housingShareOfTakeHomePercent": 19.38
    },
    {
      "housing": "Reference home, half the rent",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 580,
      "scenarioKind": "illustrative equal share",
      "rentShare": 0.5,
      "personalHousingWeekly": 290,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 1256.67,
      "cashAfterHousingMonthly": 4858.27,
      "housingShareOfTakeHomePercent": 20.55
    },
    {
      "housing": "Home costing $100 more each week",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 680,
      "scenarioKind": "illustrative sensitivity",
      "rentShare": 1,
      "personalHousingWeekly": 680,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 2946.67,
      "cashAfterHousingMonthly": 3536.67,
      "housingShareOfTakeHomePercent": 45.45
    },
    {
      "housing": "Home costing $100 more each week",
      "referenceRentWeekly": 580,
      "scenarioRentWeekly": 680,
      "scenarioKind": "illustrative sensitivity",
      "rentShare": 1,
      "personalHousingWeekly": 680,
      "housingSourceCell": "Rental Report: Melbourne median, September quarter 2025",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 2946.67,
      "cashAfterHousingMonthly": 3168.27,
      "housingShareOfTakeHomePercent": 48.19
    }
  ],
  "rentSourceGeography": "Metropolitan Melbourne, as defined in the Homes Victoria rental report",
  "earningsSourceGeography": "Greater Melbourne, ABS usual residence grouping",
  "costSensitivityMethod": "Find the lowest annual gross salary to cents that supplies the original annual take-home plus $5,200, allowing for tax, HELP when selected and the full-year hospital-cover surcharge. Compare that result with a $5,200 gross raise. Both start at $100,000 and use the same stated single-person tax settings. This tests a chosen cost change; it is not an observed rent increase or a suggested wage.",
  "costSensitivity": [
    {
      "helpDebt": false,
      "annualSalaryBefore": 100000,
      "takeHomeBefore": 77800,
      "extraHousingWeekly": 100,
      "extraHousingAnnual": 5200,
      "takeHomeTarget": 83000,
      "minimumSalaryToCents": 109238.81,
      "requiredGrossRaise": 9238.81,
      "resultTakeHome": 83000,
      "helpAnnual": 0,
      "surchargeAnnual": 1082.39,
      "grossRaiseForComparison": 5200,
      "takeHomeGainFromComparisonRaise": 3536
    },
    {
      "helpDebt": true,
      "annualSalaryBefore": 100000,
      "takeHomeBefore": 73379.2,
      "extraHousingWeekly": 100,
      "extraHousingAnnual": 5200,
      "takeHomeTarget": 78579.2,
      "minimumSalaryToCents": 111903.85,
      "requiredGrossRaise": 11903.85,
      "resultTakeHome": 78579.2,
      "helpAnnual": 6206.38,
      "surchargeAnnual": 1109.04,
      "grossRaiseForComparison": 5200,
      "takeHomeGainFromComparisonRaise": 2756
    }
  ]
}