{
  "title": "Paycalcmate $100,000 Sydney 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 Sydney",
    "allEmployeesWeeklyAud": 1500,
    "fullTimeWeeklyAud": 1846,
    "allEmployeesRsePercent": 0.6,
    "fullTimeRsePercent": 1.6,
    "allEmployeesSourceCell": "Data 2!O64164",
    "fullTimeSourceCell": "Data 2!G64164",
    "referencePeriod": "August 2025"
  },
  "rentReferencePeriod": "April to June 2026",
  "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."
  ],
  "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": "NSW Government: June 2026 rent tables, LGA sheet, cells H8158 and H8160",
      "url": "https://dcj.nsw.gov.au/content/dam/dcj/dcj-website/documents/about-us/families-and-communities-statistics/housing-and-rent-sales/rent-tables-june-2026-quarter.xlsx"
    },
    {
      "label": "NSW Government: rent data, definitions and current release",
      "url": "https://dcj.nsw.gov.au/about-us/families-and-communities-statistics/housing-rent-and-sales/rent-and-sales-report.html"
    },
    {
      "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": "One-bedroom flat, paid alone",
      "referenceRentWeekly": 700,
      "scenarioRentWeekly": 700,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 700,
      "housingSourceCell": "LGA!H8158",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 3033.33,
      "cashAfterHousingMonthly": 3450,
      "housingShareOfTakeHomePercent": 46.79
    },
    {
      "housing": "One-bedroom flat, paid alone",
      "referenceRentWeekly": 700,
      "scenarioRentWeekly": 700,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 700,
      "housingSourceCell": "LGA!H8158",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 3033.33,
      "cashAfterHousingMonthly": 3081.6,
      "housingShareOfTakeHomePercent": 49.61
    },
    {
      "housing": "Two-bedroom flat, half the rent",
      "referenceRentWeekly": 800,
      "scenarioRentWeekly": 800,
      "scenarioKind": "illustrative equal share",
      "rentShare": 0.5,
      "personalHousingWeekly": 400,
      "housingSourceCell": "LGA!H8160",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 1733.33,
      "cashAfterHousingMonthly": 4750,
      "housingShareOfTakeHomePercent": 26.74
    },
    {
      "housing": "Two-bedroom flat, half the rent",
      "referenceRentWeekly": 800,
      "scenarioRentWeekly": 800,
      "scenarioKind": "illustrative equal share",
      "rentShare": 0.5,
      "personalHousingWeekly": 400,
      "housingSourceCell": "LGA!H8160",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 1733.33,
      "cashAfterHousingMonthly": 4381.6,
      "housingShareOfTakeHomePercent": 28.35
    },
    {
      "housing": "Two-bedroom flat, all the rent",
      "referenceRentWeekly": 800,
      "scenarioRentWeekly": 800,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 800,
      "housingSourceCell": "LGA!H8160",
      "helpDebt": false,
      "annualSalary": 100000,
      "takeHomeAnnual": 77800,
      "takeHomeMonthly": 6483.33,
      "helpAnnual": 0,
      "housingMonthly": 3466.67,
      "cashAfterHousingMonthly": 3016.67,
      "housingShareOfTakeHomePercent": 53.47
    },
    {
      "housing": "Two-bedroom flat, all the rent",
      "referenceRentWeekly": 800,
      "scenarioRentWeekly": 800,
      "scenarioKind": "published rent used as a scenario",
      "rentShare": 1,
      "personalHousingWeekly": 800,
      "housingSourceCell": "LGA!H8160",
      "helpDebt": true,
      "annualSalary": 100000,
      "takeHomeAnnual": 73379.2,
      "takeHomeMonthly": 6114.93,
      "helpAnnual": 4420.8,
      "housingMonthly": 3466.67,
      "cashAfterHousingMonthly": 2648.27,
      "housingShareOfTakeHomePercent": 56.69
    }
  ],
  "rentSourceGeography": "Greater Sydney, as grouped in the NSW rent table",
  "earningsSourceGeography": "Greater Sydney, 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
    }
  ]
}