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{"sheet":"Income Calculator","index":0,"n_rows":277,"n_cols":19,"rows_kept":277,"cut":false,"hidden":false,"merged":[[215,3,215,8],[277,2,288,13],[218,1,218,7],[186,3,186,8],[195,3,195,8],[204,3,204,8],[208,3,208,7],[209,3,209,5],[223,3,223,6],[224,3,224,6],[225,3,225,6],[226,3,226,5],[227,3,227,8],[229,3,229,8],[230,3,230,8],[231,3,231,8],[167,1,167,2],[167,3,167,6],[167,8,167,13],[171,3,171,5],[177,3,177,8],[2,2,2,11],[8,1,8,2],[27,3,27,8],[12,3,12,5],[18,3,18,8],[4,1,4,2],[4,7,4,8],[4,3,4,5],[8,3,8,6],[8,8,8,13],[6,1,6,14],[89,3,89,8],[98,3,98,8],[36,3,36,8],[45,3,45,8],[56,3,56,8],[49,3,49,7],[59,1,59,7],[50,3,50,5],[61,1,61,2],[65,3,65,5],[71,3,71,8],[80,3,80,8],[61,3,61,6],[61,8,61,13],[156,3,156,5],[162,3,162,8],[165,1,165,7],[102,3,102,7],[103,3,103,5],[109,3,109,8],[151,3,151,8],[155,3,155,7],[124,3,124,8],[133,3,133,8],[142,3,142,8],[112,1,112,7],[114,1,114,2],[118,3,118,5],[114,3,114,6],[114,8,114,13],[232,3,232,8],[234,3,234,8],[237,1,237,2],[237,3,237,6],[237,8,237,13],[240,3,240,6],[241,3,241,6],[242,3,242,6],[243,3,243,5],[244,3,244,8],[270,3,270,6],[271,3,271,5],[273,3,273,8],[259,3,259,6],[260,3,260,5],[262,3,262,8],[265,3,265,6],[265,8,265,13],[220,8,220,13],[220,3,220,6],[220,1,220,2],[268,3,268,6],[269,3,269,6],[265,1,265,2],[254,1,254,2],[254,3,254,6],[254,8,254,13],[257,3,257,6],[258,3,258,6],[246,3,246,8],[247,3,247,8],[248,3,248,8],[249,3,249,8],[251,3,251,8]]}
[null,"Employment and Other Income Worksheet",null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[]
[null,null,"User Tips:\n    • Add borrower information in blue-shaded fields\n    • Click the \"O\" button to expand income source section\n    • Populate YTD Monthly Earnings for variable income sources:\n        -  Select \"A\" for Annualized YTD Monthly Earnings\n        -  Select \"Y\" for YTD Monthly Earnings (default)\n        -  Select the Reset Workbook button on top to clear all information\n\nIncome analysis may vary by investor. FOLLOW INVESTOR GUIDELINES.",null,null,null,null,null,null,null,null,null,"HIDE"]
[]
[null,"File Name:  ",null,null,null,null,"Prepared by:  ",null,null,null,null,"Date:  "]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,"Before you can use the worksheet, you must make it a Trusted Document.  Click here for instructions. "]
[]
[null,"Borrower Name:",null,null,null,null,null,"Employer Name:  "]
[null,null,"Base Pay "]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,"Rate of Pay","Pay Frequency   (select from drop down)    ","Hours Worked Weekly","HIDE","HIDE","Monthly Earnings","HIDE"]
[null,null,"O",null,null,null,null,"Hourly (H)",0,{"$f":"VLOOKUP(H13,VLKP_PAY_FREQ,2,FALSE)","v":"H"},{"$f":"IF(J13=\"H\",G13*I13*52,G13*J13)","v":0},{"$f":"IFERROR(ROUND(K13/12,2),0)","v":0}]
[null,null,null,null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:",null,null,"Monthly Earnings:",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J15,2)","v":0},{"$f":"IF(AND(F15<>\"\",G15<>\"\"),IF(K15>0,K15,IF(K15<0,0,K15)),0)","v":0},{"$f":"IF(MONTH(F15)=MONTH(G15),((YEAR(G15)-YEAR(F15))*12)-12+(12-MONTH(F15))+MONTH(G15)-1+(EOMONTH(F15,0)-F15+1)/DAY(EOMONTH(F15,0))+(1-(EOMONTH(G15,0)-G15)/DAY(EOMONTH(G15,0))),((YEAR(G15)-YEAR(F15))*12)-12+(12-MONTH(F15))+MONTH(G15)-1+(EOMONTH(F15,0)-F15+1)/DAY(EOMONTH(F15,0))+(1-(EOMONTH(G15,0)-G15)/DAY(EOMONTH(G15,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F15<>\"\",G15<>\"\"),H15/I15,0),2),0)","v":0},{"$f":"IFERROR(IF(((L15-L16)/ABS(L16))>0,\"+\",\"\")&TEXT(ROUND(((L15-L16)/ABS(L16))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M15","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J16,2)","v":12},{"$f":"IF(AND(F16<>\"\",G16<>\"\"),IF(K16>0,K16,IF(K16<0,0,K16)),0)","v":12},{"$f":"IF(MONTH(F16)=MONTH(G16),((YEAR(G16)-YEAR(F16))*12)-12+(12-MONTH(F16))+MONTH(G16)-1+(EOMONTH(F16,0)-F16+1)/DAY(EOMONTH(F16,0))+(1-(EOMONTH(G16,0)-G16)/DAY(EOMONTH(G16,0))),((YEAR(G16)-YEAR(F16))*12)-12+(12-MONTH(F16))+MONTH(G16)-1+(EOMONTH(F16,0)-F16+1)/DAY(EOMONTH(F16,0))+(1-(EOMONTH(G16,0)-G16)/DAY(EOMONTH(G16,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F16<>\"\",G16<>\"\"),H16/I16,0),2),0)","v":0},{"$f":"IFERROR(IF(((L16-L17)/ABS(L17))>0,\"+\",\"\")&TEXT(ROUND(((L16-L17)/ABS(L17))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M16","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J17,2)","v":12},{"$f":"IF(AND(F17<>\"\",G17<>\"\"),IF(K17>0,K17,IF(K17<0,0,K17)),0)","v":12},12,0,"-",{"$f":"M17","v":"-"}]
[]
[null,null,null,"Qualifying Base Pay:",null,null,null,null,null,null,{"$f":"ROUND(IF(C13=\"X\",L13,0)+IFERROR(SUMIF(C15:C17,\"=X\",H15:H17)/SUMIF(C15:C17,\"=X\",I15:I17),0),2)","v":0},{"$f":"K19","v":0}]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Overtime"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ","HIDE","% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J24,2)","v":0},{"$f":"IF(AND(F24<>\"\",G24<>\"\"),IF(K24>0,K24,IF(K24<0,0,K24)),0)","v":0},{"$f":"IF(MONTH(F24)=MONTH(G24),((YEAR(G24)-YEAR(F24))*12)-12+(12-MONTH(F24))+MONTH(G24)-1+(EOMONTH(F24,0)-F24+1)/DAY(EOMONTH(F24,0))+(1-(EOMONTH(G24,0)-G24)/DAY(EOMONTH(G24,0))),((YEAR(G24)-YEAR(F24))*12)-12+(12-MONTH(F24))+MONTH(G24)-1+(EOMONTH(F24,0)-F24+1)/DAY(EOMONTH(F24,0))+(1-(EOMONTH(G24,0)-G24)/DAY(EOMONTH(G24,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F24<>\"\",G24<>\"\"),H24/I24,0),2),0)","v":0},{"$f":"IFERROR(IF(((L24-L25)/ABS(L25))>0,\"+\",\"\")&TEXT(ROUND(((L24-L25)/ABS(L25))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M24","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J25,2)","v":12},{"$f":"IF(AND(F25<>\"\",G25<>\"\"),IF(K25>0,K25,IF(K25<0,0,K25)),0)","v":12},{"$f":"IF(MONTH(F25)=MONTH(G25),((YEAR(G25)-YEAR(F25))*12)-12+(12-MONTH(F25))+MONTH(G25)-1+(EOMONTH(F25,0)-F25+1)/DAY(EOMONTH(F25,0))+(1-(EOMONTH(G25,0)-G25)/DAY(EOMONTH(G25,0))),((YEAR(G25)-YEAR(F25))*12)-12+(12-MONTH(F25))+MONTH(G25)-1+(EOMONTH(F25,0)-F25+1)/DAY(EOMONTH(F25,0))+(1-(EOMONTH(G25,0)-G25)/DAY(EOMONTH(G25,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F25<>\"\",G25<>\"\"),H25/I25,0),2),0)","v":0},"-",{"$f":"M25","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J26,2)","v":12},{"$f":"IF(AND(F26<>\"\",G26<>\"\"),IF(K26>0,K26,IF(K26<0,0,K26)),0)","v":12},12,0,"-",{"$f":"M26","v":"-"}]
[]
[null,null,null,"Qualifying Overtime:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C24:C26,\"=X\",H24:H26)/SUMIF(C24:C26,\"=X\",I24:I26),0),2)","v":0},{"$f":"K28","v":0}]
[]
[null,null,"Bonus"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J33,2)","v":0},{"$f":"IF(AND(F33<>\"\",G33<>\"\"),IF(K33>0,K33,IF(K33<0,0,K33)),0)","v":0},{"$f":"IF(MONTH(F33)=MONTH(G33),((YEAR(G33)-YEAR(F33))*12)-12+(12-MONTH(F33))+MONTH(G33)-1+(EOMONTH(F33,0)-F33+1)/DAY(EOMONTH(F33,0))+(1-(EOMONTH(G33,0)-G33)/DAY(EOMONTH(G33,0))),((YEAR(G33)-YEAR(F33))*12)-12+(12-MONTH(F33))+MONTH(G33)-1+(EOMONTH(F33,0)-F33+1)/DAY(EOMONTH(F33,0))+(1-(EOMONTH(G33,0)-G33)/DAY(EOMONTH(G33,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F33<>\"\",G33<>\"\"),H33/I33,0),2),0)","v":0},{"$f":"IFERROR(IF(((L33-L34)/ABS(L34))>0,\"+\",\"\")&TEXT(ROUND(((L33-L34)/ABS(L34))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M33","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J34,2)","v":12},{"$f":"IF(AND(F34<>\"\",G34<>\"\"),IF(K34>0,K34,IF(K34<0,0,K34)),0)","v":12},{"$f":"IF(MONTH(F34)=MONTH(G34),((YEAR(G34)-YEAR(F34))*12)-12+(12-MONTH(F34))+MONTH(G34)-1+(EOMONTH(F34,0)-F34+1)/DAY(EOMONTH(F34,0))+(1-(EOMONTH(G34,0)-G34)/DAY(EOMONTH(G34,0))),((YEAR(G34)-YEAR(F34))*12)-12+(12-MONTH(F34))+MONTH(G34)-1+(EOMONTH(F34,0)-F34+1)/DAY(EOMONTH(F34,0))+(1-(EOMONTH(G34,0)-G34)/DAY(EOMONTH(G34,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F34<>\"\",G34<>\"\"),H34/I34,0),2),0)","v":0},"-",{"$f":"M34","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J35,2)","v":12},{"$f":"IF(AND(F35<>\"\",G35<>\"\"),IF(K35>0,K35,IF(K35<0,0,K35)),0)","v":12},12,0,"-",{"$f":"M35","v":"-"}]
[]
[null,null,null,"Qualifying Bonus:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C33:C35,\"=X\",H33:H35)/SUMIF(C33:C35,\"=X\",I33:I35),0),2)","v":0},{"$f":"K37","v":0}]
[]
[null,null,"Commission"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J42,2)","v":0},{"$f":"IF(AND(F42<>\"\",G42<>\"\"),IF(K42>0,K42,IF(K42<0,0,K42)),0)","v":0},{"$f":"IF(MONTH(F42)=MONTH(G42),((YEAR(G42)-YEAR(F42))*12)-12+(12-MONTH(F42))+MONTH(G42)-1+(EOMONTH(F42,0)-F42+1)/DAY(EOMONTH(F42,0))+(1-(EOMONTH(G42,0)-G42)/DAY(EOMONTH(G42,0))),((YEAR(G42)-YEAR(F42))*12)-12+(12-MONTH(F42))+MONTH(G42)-1+(EOMONTH(F42,0)-F42+1)/DAY(EOMONTH(F42,0))+(1-(EOMONTH(G42,0)-G42)/DAY(EOMONTH(G42,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F42<>\"\",G42<>\"\"),H42/I42,0),2),0)","v":0},{"$f":"IFERROR(IF(((L42-L43)/ABS(L43))>0,\"+\",\"\")&TEXT(ROUND(((L42-L43)/ABS(L43))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M42","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J43,2)","v":12},{"$f":"IF(AND(F43<>\"\",G43<>\"\"),IF(K43>0,K43,IF(K43<0,0,K43)),0)","v":12},{"$f":"IF(MONTH(F43)=MONTH(G43),((YEAR(G43)-YEAR(F43))*12)-12+(12-MONTH(F43))+MONTH(G43)-1+(EOMONTH(F43,0)-F43+1)/DAY(EOMONTH(F43,0))+(1-(EOMONTH(G43,0)-G43)/DAY(EOMONTH(G43,0))),((YEAR(G43)-YEAR(F43))*12)-12+(12-MONTH(F43))+MONTH(G43)-1+(EOMONTH(F43,0)-F43+1)/DAY(EOMONTH(F43,0))+(1-(EOMONTH(G43,0)-G43)/DAY(EOMONTH(G43,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F43<>\"\",G43<>\"\"),H43/I43,0),2),0)","v":0},"-",{"$f":"M43","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J44,2)","v":12},{"$f":"IF(AND(F44<>\"\",G44<>\"\"),IF(K44>0,K44,IF(K44<0,0,K44)),0)","v":12},12,0,"-",{"$f":"M44","v":"-"}]
[]
[null,null,null,"Qualifying Commission:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C42:C44,\"=X\",H42:H44)/SUMIF(C42:C44,\"=X\",I42:I44),0),2)","v":0},{"$f":"K46","v":0}]
[]
[null,null,"Other Income"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Type:",null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J53,2)","v":0},{"$f":"IF(AND(F53<>\"\",G53<>\"\"),IF(K53>0,K53,IF(K53<0,0,K53)),0)","v":0},{"$f":"IF(MONTH(F53)=MONTH(G53),((YEAR(G53)-YEAR(F53))*12)-12+(12-MONTH(F53))+MONTH(G53)-1+(EOMONTH(F53,0)-F53+1)/DAY(EOMONTH(F53,0))+(1-(EOMONTH(G53,0)-G53)/DAY(EOMONTH(G53,0))),((YEAR(G53)-YEAR(F53))*12)-12+(12-MONTH(F53))+MONTH(G53)-1+(EOMONTH(F53,0)-F53+1)/DAY(EOMONTH(F53,0))+(1-(EOMONTH(G53,0)-G53)/DAY(EOMONTH(G53,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F53<>\"\",G53<>\"\"),H53/I53,0),2),0)","v":0},{"$f":"IFERROR(IF(((L53-L54)/ABS(L54))>0,\"+\",\"\")&TEXT(ROUND(((L53-L54)/ABS(L54))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M53","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J54,2)","v":12},{"$f":"IF(AND(F54<>\"\",G54<>\"\"),IF(K54>0,K54,IF(K54<0,0,K54)),0)","v":12},{"$f":"IF(MONTH(F54)=MONTH(G54),((YEAR(G54)-YEAR(F54))*12)-12+(12-MONTH(F54))+MONTH(G54)-1+(EOMONTH(F54,0)-F54+1)/DAY(EOMONTH(F54,0))+(1-(EOMONTH(G54,0)-G54)/DAY(EOMONTH(G54,0))),((YEAR(G54)-YEAR(F54))*12)-12+(12-MONTH(F54))+MONTH(G54)-1+(EOMONTH(F54,0)-F54+1)/DAY(EOMONTH(F54,0))+(1-(EOMONTH(G54,0)-G54)/DAY(EOMONTH(G54,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F54<>\"\",G54<>\"\"),H54/I54,0),2),0)","v":0},"-",{"$f":"M54","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J55,2)","v":12},{"$f":"IF(AND(F55<>\"\",G55<>\"\"),IF(K55>0,K55,IF(K55<0,0,K55)),0)","v":12},12,0,"-",{"$f":"M55","v":"-"}]
[]
[null,null,null,"Qualifying Other Income:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C53:C55,\"=X\",H53:H55)/SUMIF(C53:C55,\"=X\",I53:I55),0),2)","v":0},{"$f":"K57","v":0}]
[]
[]
[null,{"$f":"\"Total Qualifying Income from: \"&D9","v":"Total Qualifying Income from: "},null,null,null,null,null,null,null,null,{"$f":"IFERROR(L19+L28+L37+L46+L57,0)","v":0},{"$f":"K60","v":0}]
[]
[null,"Borrower Name:",null,null,null,null,null,"Employer Name:  "]
[null,null,"Base Pay "]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,"Rate of Pay","Pay Frequency   (select from drop down)    ","Hours Worked Weekly","HIDE","HIDE","Monthly Earnings","HIDE"]
[null,null,"O",null,null,null,null,"Hourly (H)",0,{"$f":"VLOOKUP(H66,VLKP_PAY_FREQ,2,FALSE)","v":"H"},{"$f":"IF(J66=\"H\",G66*I66*52,G66*J66)","v":0},{"$f":"IFERROR(ROUND(K66/12,2),0)","v":0}]
[null,null,null,null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:",null,null,"Monthly Earnings:",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J68,2)","v":0},{"$f":"IF(AND(F68<>\"\",G68<>\"\"),IF(K68>0,K68,IF(K68<0,0,K68)),0)","v":0},{"$f":"IF(MONTH(F68)=MONTH(G68),((YEAR(G68)-YEAR(F68))*12)-12+(12-MONTH(F68))+MONTH(G68)-1+(EOMONTH(F68,0)-F68+1)/DAY(EOMONTH(F68,0))+(1-(EOMONTH(G68,0)-G68)/DAY(EOMONTH(G68,0))),((YEAR(G68)-YEAR(F68))*12)-12+(12-MONTH(F68))+MONTH(G68)-1+(EOMONTH(F68,0)-F68+1)/DAY(EOMONTH(F68,0))+(1-(EOMONTH(G68,0)-G68)/DAY(EOMONTH(G68,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F68<>\"\",G68<>\"\"),H68/I68,0),2),0)","v":0},{"$f":"IFERROR(IF(((L68-L69)/ABS(L69))>0,\"+\",\"\")&TEXT(ROUND(((L68-L69)/ABS(L69))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M68","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J69,2)","v":12},{"$f":"IF(AND(F69<>\"\",G69<>\"\"),IF(K69>0,K69,IF(K69<0,0,K69)),0)","v":12},{"$f":"IF(MONTH(F69)=MONTH(G69),((YEAR(G69)-YEAR(F69))*12)-12+(12-MONTH(F69))+MONTH(G69)-1+(EOMONTH(F69,0)-F69+1)/DAY(EOMONTH(F69,0))+(1-(EOMONTH(G69,0)-G69)/DAY(EOMONTH(G69,0))),((YEAR(G69)-YEAR(F69))*12)-12+(12-MONTH(F69))+MONTH(G69)-1+(EOMONTH(F69,0)-F69+1)/DAY(EOMONTH(F69,0))+(1-(EOMONTH(G69,0)-G69)/DAY(EOMONTH(G69,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F69<>\"\",G69<>\"\"),H69/I69,0),2),0)","v":0},{"$f":"IFERROR(IF(((L69-L70)/ABS(L70))>0,\"+\",\"\")&TEXT(ROUND(((L69-L70)/ABS(L70))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M69","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J70,2)","v":12},{"$f":"IF(AND(F70<>\"\",G70<>\"\"),IF(K70>0,K70,IF(K70<0,0,K70)),0)","v":12},12,0,"-",{"$f":"M70","v":"-"}]
[]
[null,null,null,"Qualifying Base Pay:",null,null,null,null,null,null,{"$f":"ROUND(IF(C66=\"X\",L66,0)+IFERROR(SUMIF(C68:C70,\"=X\",H68:H70)/SUMIF(C68:C70,\"=X\",I68:I70),0),2)","v":0},{"$f":"K72","v":0}]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Overtime"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ","HIDE","% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J77,2)","v":0},{"$f":"IF(AND(F77<>\"\",G77<>\"\"),IF(K77>0,K77,IF(K77<0,0,K77)),0)","v":0},{"$f":"IF(MONTH(F77)=MONTH(G77),((YEAR(G77)-YEAR(F77))*12)-12+(12-MONTH(F77))+MONTH(G77)-1+(EOMONTH(F77,0)-F77+1)/DAY(EOMONTH(F77,0))+(1-(EOMONTH(G77,0)-G77)/DAY(EOMONTH(G77,0))),((YEAR(G77)-YEAR(F77))*12)-12+(12-MONTH(F77))+MONTH(G77)-1+(EOMONTH(F77,0)-F77+1)/DAY(EOMONTH(F77,0))+(1-(EOMONTH(G77,0)-G77)/DAY(EOMONTH(G77,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F77<>\"\",G77<>\"\"),H77/I77,0),2),0)","v":0},{"$f":"IFERROR(IF(((L77-L78)/ABS(L78))>0,\"+\",\"\")&TEXT(ROUND(((L77-L78)/ABS(L78))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M77","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J78,2)","v":12},{"$f":"IF(AND(F78<>\"\",G78<>\"\"),IF(K78>0,K78,IF(K78<0,0,K78)),0)","v":12},{"$f":"IF(MONTH(F78)=MONTH(G78),((YEAR(G78)-YEAR(F78))*12)-12+(12-MONTH(F78))+MONTH(G78)-1+(EOMONTH(F78,0)-F78+1)/DAY(EOMONTH(F78,0))+(1-(EOMONTH(G78,0)-G78)/DAY(EOMONTH(G78,0))),((YEAR(G78)-YEAR(F78))*12)-12+(12-MONTH(F78))+MONTH(G78)-1+(EOMONTH(F78,0)-F78+1)/DAY(EOMONTH(F78,0))+(1-(EOMONTH(G78,0)-G78)/DAY(EOMONTH(G78,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F78<>\"\",G78<>\"\"),H78/I78,0),2),0)","v":0},"-",{"$f":"M78","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J79,2)","v":12},{"$f":"IF(AND(F79<>\"\",G79<>\"\"),IF(K79>0,K79,IF(K79<0,0,K79)),0)","v":12},12,0,"-",{"$f":"M79","v":"-"}]
[]
[null,null,null,"Qualifying Overtime:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C77:C79,\"=X\",H77:H79)/SUMIF(C77:C79,\"=X\",I77:I79),0),2)","v":0},{"$f":"K81","v":0}]
[]
[null,null,"Bonus"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J86,2)","v":0},{"$f":"IF(AND(F86<>\"\",G86<>\"\"),IF(K86>0,K86,IF(K86<0,0,K86)),0)","v":0},{"$f":"IF(MONTH(F86)=MONTH(G86),((YEAR(G86)-YEAR(F86))*12)-12+(12-MONTH(F86))+MONTH(G86)-1+(EOMONTH(F86,0)-F86+1)/DAY(EOMONTH(F86,0))+(1-(EOMONTH(G86,0)-G86)/DAY(EOMONTH(G86,0))),((YEAR(G86)-YEAR(F86))*12)-12+(12-MONTH(F86))+MONTH(G86)-1+(EOMONTH(F86,0)-F86+1)/DAY(EOMONTH(F86,0))+(1-(EOMONTH(G86,0)-G86)/DAY(EOMONTH(G86,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F86<>\"\",G86<>\"\"),H86/I86,0),2),0)","v":0},{"$f":"IFERROR(IF(((L86-L87)/ABS(L87))>0,\"+\",\"\")&TEXT(ROUND(((L86-L87)/ABS(L87))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M86","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J87,2)","v":12},{"$f":"IF(AND(F87<>\"\",G87<>\"\"),IF(K87>0,K87,IF(K87<0,0,K87)),0)","v":12},{"$f":"IF(MONTH(F87)=MONTH(G87),((YEAR(G87)-YEAR(F87))*12)-12+(12-MONTH(F87))+MONTH(G87)-1+(EOMONTH(F87,0)-F87+1)/DAY(EOMONTH(F87,0))+(1-(EOMONTH(G87,0)-G87)/DAY(EOMONTH(G87,0))),((YEAR(G87)-YEAR(F87))*12)-12+(12-MONTH(F87))+MONTH(G87)-1+(EOMONTH(F87,0)-F87+1)/DAY(EOMONTH(F87,0))+(1-(EOMONTH(G87,0)-G87)/DAY(EOMONTH(G87,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F87<>\"\",G87<>\"\"),H87/I87,0),2),0)","v":0},"-",{"$f":"M87","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J88,2)","v":12},{"$f":"IF(AND(F88<>\"\",G88<>\"\"),IF(K88>0,K88,IF(K88<0,0,K88)),0)","v":12},12,0,"-",{"$f":"M88","v":"-"}]
[]
[null,null,null,"Qualifying Bonus:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C86:C88,\"=X\",H86:H88)/SUMIF(C86:C88,\"=X\",I86:I88),0),2)","v":0},{"$f":"K90","v":0}]
[]
[null,null,"Commission"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J95,2)","v":0},{"$f":"IF(AND(F95<>\"\",G95<>\"\"),IF(K95>0,K95,IF(K95<0,0,K95)),0)","v":0},{"$f":"IF(MONTH(F95)=MONTH(G95),((YEAR(G95)-YEAR(F95))*12)-12+(12-MONTH(F95))+MONTH(G95)-1+(EOMONTH(F95,0)-F95+1)/DAY(EOMONTH(F95,0))+(1-(EOMONTH(G95,0)-G95)/DAY(EOMONTH(G95,0))),((YEAR(G95)-YEAR(F95))*12)-12+(12-MONTH(F95))+MONTH(G95)-1+(EOMONTH(F95,0)-F95+1)/DAY(EOMONTH(F95,0))+(1-(EOMONTH(G95,0)-G95)/DAY(EOMONTH(G95,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F95<>\"\",G95<>\"\"),H95/I95,0),2),0)","v":0},{"$f":"IFERROR(IF(((L95-L96)/ABS(L96))>0,\"+\",\"\")&TEXT(ROUND(((L95-L96)/ABS(L96))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M95","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J96,2)","v":12},{"$f":"IF(AND(F96<>\"\",G96<>\"\"),IF(K96>0,K96,IF(K96<0,0,K96)),0)","v":12},{"$f":"IF(MONTH(F96)=MONTH(G96),((YEAR(G96)-YEAR(F96))*12)-12+(12-MONTH(F96))+MONTH(G96)-1+(EOMONTH(F96,0)-F96+1)/DAY(EOMONTH(F96,0))+(1-(EOMONTH(G96,0)-G96)/DAY(EOMONTH(G96,0))),((YEAR(G96)-YEAR(F96))*12)-12+(12-MONTH(F96))+MONTH(G96)-1+(EOMONTH(F96,0)-F96+1)/DAY(EOMONTH(F96,0))+(1-(EOMONTH(G96,0)-G96)/DAY(EOMONTH(G96,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F96<>\"\",G96<>\"\"),H96/I96,0),2),0)","v":0},"-",{"$f":"M96","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J97,2)","v":12},{"$f":"IF(AND(F97<>\"\",G97<>\"\"),IF(K97>0,K97,IF(K97<0,0,K97)),0)","v":12},12,0,"-",{"$f":"M97","v":"-"}]
[]
[null,null,null,"Qualifying Commission:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C95:C97,\"=X\",H95:H97)/SUMIF(C95:C97,\"=X\",I95:I97),0),2)","v":0},{"$f":"K99","v":0}]
[]
[null,null,"Other Income"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Type:",null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J106,2)","v":0},{"$f":"IF(AND(F106<>\"\",G106<>\"\"),IF(K106>0,K106,IF(K106<0,0,K106)),0)","v":0},{"$f":"IF(MONTH(F106)=MONTH(G106),((YEAR(G106)-YEAR(F106))*12)-12+(12-MONTH(F106))+MONTH(G106)-1+(EOMONTH(F106,0)-F106+1)/DAY(EOMONTH(F106,0))+(1-(EOMONTH(G106,0)-G106)/DAY(EOMONTH(G106,0))),((YEAR(G106)-YEAR(F106))*12)-12+(12-MONTH(F106))+MONTH(G106)-1+(EOMONTH(F106,0)-F106+1)/DAY(EOMONTH(F106,0))+(1-(EOMONTH(G106,0)-G106)/DAY(EOMONTH(G106,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F106<>\"\",G106<>\"\"),H106/I106,0),2),0)","v":0},{"$f":"IFERROR(IF(((L106-L107)/ABS(L107))>0,\"+\",\"\")&TEXT(ROUND(((L106-L107)/ABS(L107))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M106","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J107,2)","v":12},{"$f":"IF(AND(F107<>\"\",G107<>\"\"),IF(K107>0,K107,IF(K107<0,0,K107)),0)","v":12},{"$f":"IF(MONTH(F107)=MONTH(G107),((YEAR(G107)-YEAR(F107))*12)-12+(12-MONTH(F107))+MONTH(G107)-1+(EOMONTH(F107,0)-F107+1)/DAY(EOMONTH(F107,0))+(1-(EOMONTH(G107,0)-G107)/DAY(EOMONTH(G107,0))),((YEAR(G107)-YEAR(F107))*12)-12+(12-MONTH(F107))+MONTH(G107)-1+(EOMONTH(F107,0)-F107+1)/DAY(EOMONTH(F107,0))+(1-(EOMONTH(G107,0)-G107)/DAY(EOMONTH(G107,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F107<>\"\",G107<>\"\"),H107/I107,0),2),0)","v":0},"-",{"$f":"M107","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J108,2)","v":12},{"$f":"IF(AND(F108<>\"\",G108<>\"\"),IF(K108>0,K108,IF(K108<0,0,K108)),0)","v":12},12,0,"-",{"$f":"M108","v":"-"}]
[]
[null,null,null,"Qualifying Other Income:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C106:C108,\"=X\",H106:H108)/SUMIF(C106:C108,\"=X\",I106:I108),0),2)","v":0},{"$f":"K110","v":0}]
[]
[]
[null,{"$f":"\"Total Qualifying Income from: \"&D62","v":"Total Qualifying Income from: "},null,null,null,null,null,null,null,null,{"$f":"IFERROR(L72+L81+L90+L99+L110,0)","v":0},{"$f":"K113","v":0}]
[]
[null,"Borrower Name:",null,null,null,null,null,"Employer Name:  "]
[null,null,"Base Pay "]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,"Rate of Pay","Pay Frequency   (select from drop down)    ","Hours Worked Weekly","HIDE","HIDE","Monthly Earnings","HIDE"]
[null,null,"O",null,null,null,null,"Hourly (H)",0,{"$f":"VLOOKUP(H119,VLKP_PAY_FREQ,2,FALSE)","v":"H"},{"$f":"IF(J119=\"H\",G119*I119*52,G119*J119)","v":0},{"$f":"IFERROR(ROUND(K119/12,2),0)","v":0}]
[null,null,null,null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:",null,null,"Monthly Earnings:",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J121,2)","v":0},{"$f":"IF(AND(F121<>\"\",G121<>\"\"),IF(K121>0,K121,IF(K121<0,0,K121)),0)","v":0},{"$f":"IF(MONTH(F121)=MONTH(G121),((YEAR(G121)-YEAR(F121))*12)-12+(12-MONTH(F121))+MONTH(G121)-1+(EOMONTH(F121,0)-F121+1)/DAY(EOMONTH(F121,0))+(1-(EOMONTH(G121,0)-G121)/DAY(EOMONTH(G121,0))),((YEAR(G121)-YEAR(F121))*12)-12+(12-MONTH(F121))+MONTH(G121)-1+(EOMONTH(F121,0)-F121+1)/DAY(EOMONTH(F121,0))+(1-(EOMONTH(G121,0)-G121)/DAY(EOMONTH(G121,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F121<>\"\",G121<>\"\"),H121/I121,0),2),0)","v":0},{"$f":"IFERROR(IF(((L121-L122)/ABS(L122))>0,\"+\",\"\")&TEXT(ROUND(((L121-L122)/ABS(L122))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M121","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J122,2)","v":12},{"$f":"IF(AND(F122<>\"\",G122<>\"\"),IF(K122>0,K122,IF(K122<0,0,K122)),0)","v":12},{"$f":"IF(MONTH(F122)=MONTH(G122),((YEAR(G122)-YEAR(F122))*12)-12+(12-MONTH(F122))+MONTH(G122)-1+(EOMONTH(F122,0)-F122+1)/DAY(EOMONTH(F122,0))+(1-(EOMONTH(G122,0)-G122)/DAY(EOMONTH(G122,0))),((YEAR(G122)-YEAR(F122))*12)-12+(12-MONTH(F122))+MONTH(G122)-1+(EOMONTH(F122,0)-F122+1)/DAY(EOMONTH(F122,0))+(1-(EOMONTH(G122,0)-G122)/DAY(EOMONTH(G122,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F122<>\"\",G122<>\"\"),H122/I122,0),2),0)","v":0},{"$f":"IFERROR(IF(((L122-L123)/ABS(L123))>0,\"+\",\"\")&TEXT(ROUND(((L122-L123)/ABS(L123))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M122","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J123,2)","v":12},{"$f":"IF(AND(F123<>\"\",G123<>\"\"),IF(K123>0,K123,IF(K123<0,0,K123)),0)","v":12},12,0,"-",{"$f":"M123","v":"-"}]
[]
[null,null,null,"Qualifying Base Pay:",null,null,null,null,null,null,{"$f":"ROUND(IF(C119=\"X\",L119,0)+IFERROR(SUMIF(C121:C123,\"=X\",H121:H123)/SUMIF(C121:C123,\"=X\",I121:I123),0),2)","v":0},{"$f":"K125","v":0}]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Overtime"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ","HIDE","% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J130,2)","v":0},{"$f":"IF(AND(F130<>\"\",G130<>\"\"),IF(K130>0,K130,IF(K130<0,0,K130)),0)","v":0},{"$f":"IF(MONTH(F130)=MONTH(G130),((YEAR(G130)-YEAR(F130))*12)-12+(12-MONTH(F130))+MONTH(G130)-1+(EOMONTH(F130,0)-F130+1)/DAY(EOMONTH(F130,0))+(1-(EOMONTH(G130,0)-G130)/DAY(EOMONTH(G130,0))),((YEAR(G130)-YEAR(F130))*12)-12+(12-MONTH(F130))+MONTH(G130)-1+(EOMONTH(F130,0)-F130+1)/DAY(EOMONTH(F130,0))+(1-(EOMONTH(G130,0)-G130)/DAY(EOMONTH(G130,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F130<>\"\",G130<>\"\"),H130/I130,0),2),0)","v":0},{"$f":"IFERROR(IF(((L130-L131)/ABS(L131))>0,\"+\",\"\")&TEXT(ROUND(((L130-L131)/ABS(L131))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M130","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J131,2)","v":12},{"$f":"IF(AND(F131<>\"\",G131<>\"\"),IF(K131>0,K131,IF(K131<0,0,K131)),0)","v":12},{"$f":"IF(MONTH(F131)=MONTH(G131),((YEAR(G131)-YEAR(F131))*12)-12+(12-MONTH(F131))+MONTH(G131)-1+(EOMONTH(F131,0)-F131+1)/DAY(EOMONTH(F131,0))+(1-(EOMONTH(G131,0)-G131)/DAY(EOMONTH(G131,0))),((YEAR(G131)-YEAR(F131))*12)-12+(12-MONTH(F131))+MONTH(G131)-1+(EOMONTH(F131,0)-F131+1)/DAY(EOMONTH(F131,0))+(1-(EOMONTH(G131,0)-G131)/DAY(EOMONTH(G131,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F131<>\"\",G131<>\"\"),H131/I131,0),2),0)","v":0},"-",{"$f":"M131","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J132,2)","v":12},{"$f":"IF(AND(F132<>\"\",G132<>\"\"),IF(K132>0,K132,IF(K132<0,0,K132)),0)","v":12},12,0,"-",{"$f":"M132","v":"-"}]
[]
[null,null,null,"Qualifying Overtime:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C130:C132,\"=X\",H130:H132)/SUMIF(C130:C132,\"=X\",I130:I132),0),2)","v":0},{"$f":"K134","v":0}]
[]
[null,null,"Bonus"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J139,2)","v":0},{"$f":"IF(AND(F139<>\"\",G139<>\"\"),IF(K139>0,K139,IF(K139<0,0,K139)),0)","v":0},{"$f":"IF(MONTH(F139)=MONTH(G139),((YEAR(G139)-YEAR(F139))*12)-12+(12-MONTH(F139))+MONTH(G139)-1+(EOMONTH(F139,0)-F139+1)/DAY(EOMONTH(F139,0))+(1-(EOMONTH(G139,0)-G139)/DAY(EOMONTH(G139,0))),((YEAR(G139)-YEAR(F139))*12)-12+(12-MONTH(F139))+MONTH(G139)-1+(EOMONTH(F139,0)-F139+1)/DAY(EOMONTH(F139,0))+(1-(EOMONTH(G139,0)-G139)/DAY(EOMONTH(G139,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F139<>\"\",G139<>\"\"),H139/I139,0),2),0)","v":0},{"$f":"IFERROR(IF(((L139-L140)/ABS(L140))>0,\"+\",\"\")&TEXT(ROUND(((L139-L140)/ABS(L140))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M139","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J140,2)","v":12},{"$f":"IF(AND(F140<>\"\",G140<>\"\"),IF(K140>0,K140,IF(K140<0,0,K140)),0)","v":12},{"$f":"IF(MONTH(F140)=MONTH(G140),((YEAR(G140)-YEAR(F140))*12)-12+(12-MONTH(F140))+MONTH(G140)-1+(EOMONTH(F140,0)-F140+1)/DAY(EOMONTH(F140,0))+(1-(EOMONTH(G140,0)-G140)/DAY(EOMONTH(G140,0))),((YEAR(G140)-YEAR(F140))*12)-12+(12-MONTH(F140))+MONTH(G140)-1+(EOMONTH(F140,0)-F140+1)/DAY(EOMONTH(F140,0))+(1-(EOMONTH(G140,0)-G140)/DAY(EOMONTH(G140,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F140<>\"\",G140<>\"\"),H140/I140,0),2),0)","v":0},"-",{"$f":"M140","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J141,2)","v":12},{"$f":"IF(AND(F141<>\"\",G141<>\"\"),IF(K141>0,K141,IF(K141<0,0,K141)),0)","v":12},12,0,"-",{"$f":"M141","v":"-"}]
[]
[null,null,null,"Qualifying Bonus:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C139:C141,\"=X\",H139:H141)/SUMIF(C139:C141,\"=X\",I139:I141),0),2)","v":0},{"$f":"K143","v":0}]
[]
[null,null,"Commission"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J148,2)","v":0},{"$f":"IF(AND(F148<>\"\",G148<>\"\"),IF(K148>0,K148,IF(K148<0,0,K148)),0)","v":0},{"$f":"IF(MONTH(F148)=MONTH(G148),((YEAR(G148)-YEAR(F148))*12)-12+(12-MONTH(F148))+MONTH(G148)-1+(EOMONTH(F148,0)-F148+1)/DAY(EOMONTH(F148,0))+(1-(EOMONTH(G148,0)-G148)/DAY(EOMONTH(G148,0))),((YEAR(G148)-YEAR(F148))*12)-12+(12-MONTH(F148))+MONTH(G148)-1+(EOMONTH(F148,0)-F148+1)/DAY(EOMONTH(F148,0))+(1-(EOMONTH(G148,0)-G148)/DAY(EOMONTH(G148,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F148<>\"\",G148<>\"\"),H148/I148,0),2),0)","v":0},{"$f":"IFERROR(IF(((L148-L149)/ABS(L149))>0,\"+\",\"\")&TEXT(ROUND(((L148-L149)/ABS(L149))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M148","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J149,2)","v":12},{"$f":"IF(AND(F149<>\"\",G149<>\"\"),IF(K149>0,K149,IF(K149<0,0,K149)),0)","v":12},{"$f":"IF(MONTH(F149)=MONTH(G149),((YEAR(G149)-YEAR(F149))*12)-12+(12-MONTH(F149))+MONTH(G149)-1+(EOMONTH(F149,0)-F149+1)/DAY(EOMONTH(F149,0))+(1-(EOMONTH(G149,0)-G149)/DAY(EOMONTH(G149,0))),((YEAR(G149)-YEAR(F149))*12)-12+(12-MONTH(F149))+MONTH(G149)-1+(EOMONTH(F149,0)-F149+1)/DAY(EOMONTH(F149,0))+(1-(EOMONTH(G149,0)-G149)/DAY(EOMONTH(G149,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F149<>\"\",G149<>\"\"),H149/I149,0),2),0)","v":0},"-",{"$f":"M149","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J150,2)","v":12},{"$f":"IF(AND(F150<>\"\",G150<>\"\"),IF(K150>0,K150,IF(K150<0,0,K150)),0)","v":12},12,0,"-",{"$f":"M150","v":"-"}]
[]
[null,null,null,"Qualifying Commission:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C148:C150,\"=X\",H148:H150)/SUMIF(C148:C150,\"=X\",I148:I150),0),2)","v":0},{"$f":"K152","v":0}]
[]
[null,null,"Other Income"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Type:",null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J159,2)","v":0},{"$f":"IF(AND(F159<>\"\",G159<>\"\"),IF(K159>0,K159,IF(K159<0,0,K159)),0)","v":0},{"$f":"IF(MONTH(F159)=MONTH(G159),((YEAR(G159)-YEAR(F159))*12)-12+(12-MONTH(F159))+MONTH(G159)-1+(EOMONTH(F159,0)-F159+1)/DAY(EOMONTH(F159,0))+(1-(EOMONTH(G159,0)-G159)/DAY(EOMONTH(G159,0))),((YEAR(G159)-YEAR(F159))*12)-12+(12-MONTH(F159))+MONTH(G159)-1+(EOMONTH(F159,0)-F159+1)/DAY(EOMONTH(F159,0))+(1-(EOMONTH(G159,0)-G159)/DAY(EOMONTH(G159,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F159<>\"\",G159<>\"\"),H159/I159,0),2),0)","v":0},{"$f":"IFERROR(IF(((L159-L160)/ABS(L160))>0,\"+\",\"\")&TEXT(ROUND(((L159-L160)/ABS(L160))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M159","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J160,2)","v":12},{"$f":"IF(AND(F160<>\"\",G160<>\"\"),IF(K160>0,K160,IF(K160<0,0,K160)),0)","v":12},{"$f":"IF(MONTH(F160)=MONTH(G160),((YEAR(G160)-YEAR(F160))*12)-12+(12-MONTH(F160))+MONTH(G160)-1+(EOMONTH(F160,0)-F160+1)/DAY(EOMONTH(F160,0))+(1-(EOMONTH(G160,0)-G160)/DAY(EOMONTH(G160,0))),((YEAR(G160)-YEAR(F160))*12)-12+(12-MONTH(F160))+MONTH(G160)-1+(EOMONTH(F160,0)-F160+1)/DAY(EOMONTH(F160,0))+(1-(EOMONTH(G160,0)-G160)/DAY(EOMONTH(G160,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F160<>\"\",G160<>\"\"),H160/I160,0),2),0)","v":0},"-",{"$f":"M160","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J161,2)","v":12},{"$f":"IF(AND(F161<>\"\",G161<>\"\"),IF(K161>0,K161,IF(K161<0,0,K161)),0)","v":12},12,0,"-",{"$f":"M161","v":"-"}]
[]
[null,null,null,"Qualifying Other Income:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C159:C161,\"=X\",H159:H161)/SUMIF(C159:C161,\"=X\",I159:I161),0),2)","v":0},{"$f":"K163","v":0}]
[]
[]
[null,{"$f":"\"Total Qualifying Income from: \"&D115","v":"Total Qualifying Income from: "},null,null,null,null,null,null,null,null,{"$f":"IFERROR(L125+L134+L143+L152+L163,0)","v":0},{"$f":"K166","v":0}]
[]
[null,"Borrower Name:",null,null,null,null,null,"Employer Name:  "]
[null,null,"Base Pay "]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,"Rate of Pay","Pay Frequency   (select from drop down)    ","Hours Worked Weekly","HIDE","HIDE","Monthly Earnings","HIDE"]
[null,null,"O",null,null,null,null,"Hourly (H)",0,{"$f":"VLOOKUP(H172,VLKP_PAY_FREQ,2,FALSE)","v":"H"},{"$f":"IF(J172=\"H\",G172*I172*52,G172*J172)","v":0},{"$f":"IFERROR(ROUND(K172/12,2),0)","v":0}]
[null,null,null,null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:",null,null,"Monthly Earnings:",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J174,2)","v":0},{"$f":"IF(AND(F174<>\"\",G174<>\"\"),IF(K174>0,K174,IF(K174<0,0,K174)),0)","v":0},{"$f":"IF(MONTH(F174)=MONTH(G174),((YEAR(G174)-YEAR(F174))*12)-12+(12-MONTH(F174))+MONTH(G174)-1+(EOMONTH(F174,0)-F174+1)/DAY(EOMONTH(F174,0))+(1-(EOMONTH(G174,0)-G174)/DAY(EOMONTH(G174,0))),((YEAR(G174)-YEAR(F174))*12)-12+(12-MONTH(F174))+MONTH(G174)-1+(EOMONTH(F174,0)-F174+1)/DAY(EOMONTH(F174,0))+(1-(EOMONTH(G174,0)-G174)/DAY(EOMONTH(G174,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F174<>\"\",G174<>\"\"),H174/I174,0),2),0)","v":0},{"$f":"IFERROR(IF(((L174-L175)/ABS(L175))>0,\"+\",\"\")&TEXT(ROUND(((L174-L175)/ABS(L175))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M174","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J175,2)","v":12},{"$f":"IF(AND(F175<>\"\",G175<>\"\"),IF(K175>0,K175,IF(K175<0,0,K175)),0)","v":12},{"$f":"IF(MONTH(F175)=MONTH(G175),((YEAR(G175)-YEAR(F175))*12)-12+(12-MONTH(F175))+MONTH(G175)-1+(EOMONTH(F175,0)-F175+1)/DAY(EOMONTH(F175,0))+(1-(EOMONTH(G175,0)-G175)/DAY(EOMONTH(G175,0))),((YEAR(G175)-YEAR(F175))*12)-12+(12-MONTH(F175))+MONTH(G175)-1+(EOMONTH(F175,0)-F175+1)/DAY(EOMONTH(F175,0))+(1-(EOMONTH(G175,0)-G175)/DAY(EOMONTH(G175,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F175<>\"\",G175<>\"\"),H175/I175,0),2),0)","v":0},{"$f":"IFERROR(IF(((L175-L176)/ABS(L176))>0,\"+\",\"\")&TEXT(ROUND(((L175-L176)/ABS(L176))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M175","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J176,2)","v":12},{"$f":"IF(AND(F176<>\"\",G176<>\"\"),IF(K176>0,K176,IF(K176<0,0,K176)),0)","v":12},12,0,"-",{"$f":"M176","v":"-"}]
[]
[null,null,null,"Qualifying Base Pay:",null,null,null,null,null,null,{"$f":"ROUND(IF(C172=\"X\",L172,0)+IFERROR(SUMIF(C174:C176,\"=X\",H174:H176)/SUMIF(C174:C176,\"=X\",I174:I176),0),2)","v":0},{"$f":"K178","v":0}]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Overtime"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ","HIDE","% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J183,2)","v":0},{"$f":"IF(AND(F183<>\"\",G183<>\"\"),IF(K183>0,K183,IF(K183<0,0,K183)),0)","v":0},{"$f":"IF(MONTH(F183)=MONTH(G183),((YEAR(G183)-YEAR(F183))*12)-12+(12-MONTH(F183))+MONTH(G183)-1+(EOMONTH(F183,0)-F183+1)/DAY(EOMONTH(F183,0))+(1-(EOMONTH(G183,0)-G183)/DAY(EOMONTH(G183,0))),((YEAR(G183)-YEAR(F183))*12)-12+(12-MONTH(F183))+MONTH(G183)-1+(EOMONTH(F183,0)-F183+1)/DAY(EOMONTH(F183,0))+(1-(EOMONTH(G183,0)-G183)/DAY(EOMONTH(G183,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F183<>\"\",G183<>\"\"),H183/I183,0),2),0)","v":0},{"$f":"IFERROR(IF(((L183-L184)/ABS(L184))>0,\"+\",\"\")&TEXT(ROUND(((L183-L184)/ABS(L184))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M183","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J184,2)","v":12},{"$f":"IF(AND(F184<>\"\",G184<>\"\"),IF(K184>0,K184,IF(K184<0,0,K184)),0)","v":12},{"$f":"IF(MONTH(F184)=MONTH(G184),((YEAR(G184)-YEAR(F184))*12)-12+(12-MONTH(F184))+MONTH(G184)-1+(EOMONTH(F184,0)-F184+1)/DAY(EOMONTH(F184,0))+(1-(EOMONTH(G184,0)-G184)/DAY(EOMONTH(G184,0))),((YEAR(G184)-YEAR(F184))*12)-12+(12-MONTH(F184))+MONTH(G184)-1+(EOMONTH(F184,0)-F184+1)/DAY(EOMONTH(F184,0))+(1-(EOMONTH(G184,0)-G184)/DAY(EOMONTH(G184,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F184<>\"\",G184<>\"\"),H184/I184,0),2),0)","v":0},"-",{"$f":"M184","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J185,2)","v":12},{"$f":"IF(AND(F185<>\"\",G185<>\"\"),IF(K185>0,K185,IF(K185<0,0,K185)),0)","v":12},12,0,"-",{"$f":"M185","v":"-"}]
[]
[null,null,null,"Qualifying Overtime:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C183:C185,\"=X\",H183:H185)/SUMIF(C183:C185,\"=X\",I183:I185),0),2)","v":0},{"$f":"K187","v":0}]
[]
[null,null,"Bonus"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J192,2)","v":0},{"$f":"IF(AND(F192<>\"\",G192<>\"\"),IF(K192>0,K192,IF(K192<0,0,K192)),0)","v":0},{"$f":"IF(MONTH(F192)=MONTH(G192),((YEAR(G192)-YEAR(F192))*12)-12+(12-MONTH(F192))+MONTH(G192)-1+(EOMONTH(F192,0)-F192+1)/DAY(EOMONTH(F192,0))+(1-(EOMONTH(G192,0)-G192)/DAY(EOMONTH(G192,0))),((YEAR(G192)-YEAR(F192))*12)-12+(12-MONTH(F192))+MONTH(G192)-1+(EOMONTH(F192,0)-F192+1)/DAY(EOMONTH(F192,0))+(1-(EOMONTH(G192,0)-G192)/DAY(EOMONTH(G192,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F192<>\"\",G192<>\"\"),H192/I192,0),2),0)","v":0},{"$f":"IFERROR(IF(((L192-L193)/ABS(L193))>0,\"+\",\"\")&TEXT(ROUND(((L192-L193)/ABS(L193))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M192","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J193,2)","v":12},{"$f":"IF(AND(F193<>\"\",G193<>\"\"),IF(K193>0,K193,IF(K193<0,0,K193)),0)","v":12},{"$f":"IF(MONTH(F193)=MONTH(G193),((YEAR(G193)-YEAR(F193))*12)-12+(12-MONTH(F193))+MONTH(G193)-1+(EOMONTH(F193,0)-F193+1)/DAY(EOMONTH(F193,0))+(1-(EOMONTH(G193,0)-G193)/DAY(EOMONTH(G193,0))),((YEAR(G193)-YEAR(F193))*12)-12+(12-MONTH(F193))+MONTH(G193)-1+(EOMONTH(F193,0)-F193+1)/DAY(EOMONTH(F193,0))+(1-(EOMONTH(G193,0)-G193)/DAY(EOMONTH(G193,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F193<>\"\",G193<>\"\"),H193/I193,0),2),0)","v":0},"-",{"$f":"M193","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J194,2)","v":12},{"$f":"IF(AND(F194<>\"\",G194<>\"\"),IF(K194>0,K194,IF(K194<0,0,K194)),0)","v":12},12,0,"-",{"$f":"M194","v":"-"}]
[]
[null,null,null,"Qualifying Bonus:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C192:C194,\"=X\",H192:H194)/SUMIF(C192:C194,\"=X\",I192:I194),0),2)","v":0},{"$f":"K196","v":0}]
[]
[null,null,"Commission"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J201,2)","v":0},{"$f":"IF(AND(F201<>\"\",G201<>\"\"),IF(K201>0,K201,IF(K201<0,0,K201)),0)","v":0},{"$f":"IF(MONTH(F201)=MONTH(G201),((YEAR(G201)-YEAR(F201))*12)-12+(12-MONTH(F201))+MONTH(G201)-1+(EOMONTH(F201,0)-F201+1)/DAY(EOMONTH(F201,0))+(1-(EOMONTH(G201,0)-G201)/DAY(EOMONTH(G201,0))),((YEAR(G201)-YEAR(F201))*12)-12+(12-MONTH(F201))+MONTH(G201)-1+(EOMONTH(F201,0)-F201+1)/DAY(EOMONTH(F201,0))+(1-(EOMONTH(G201,0)-G201)/DAY(EOMONTH(G201,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F201<>\"\",G201<>\"\"),H201/I201,0),2),0)","v":0},{"$f":"IFERROR(IF(((L201-L202)/ABS(L202))>0,\"+\",\"\")&TEXT(ROUND(((L201-L202)/ABS(L202))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M201","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J202,2)","v":12},{"$f":"IF(AND(F202<>\"\",G202<>\"\"),IF(K202>0,K202,IF(K202<0,0,K202)),0)","v":12},{"$f":"IF(MONTH(F202)=MONTH(G202),((YEAR(G202)-YEAR(F202))*12)-12+(12-MONTH(F202))+MONTH(G202)-1+(EOMONTH(F202,0)-F202+1)/DAY(EOMONTH(F202,0))+(1-(EOMONTH(G202,0)-G202)/DAY(EOMONTH(G202,0))),((YEAR(G202)-YEAR(F202))*12)-12+(12-MONTH(F202))+MONTH(G202)-1+(EOMONTH(F202,0)-F202+1)/DAY(EOMONTH(F202,0))+(1-(EOMONTH(G202,0)-G202)/DAY(EOMONTH(G202,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F202<>\"\",G202<>\"\"),H202/I202,0),2),0)","v":0},"-",{"$f":"M202","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J203,2)","v":12},{"$f":"IF(AND(F203<>\"\",G203<>\"\"),IF(K203>0,K203,IF(K203<0,0,K203)),0)","v":12},12,0,"-",{"$f":"M203","v":"-"}]
[]
[null,null,null,"Qualifying Commission:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C201:C203,\"=X\",H201:H203)/SUMIF(C201:C203,\"=X\",I201:I203),0),2)","v":0},{"$f":"K205","v":0}]
[]
[null,null,"Other Income"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Type:",null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,"Date From:","Date Paid Through:","Total Earnings:","# of Months:","HIDE","HIDE","Monthly Earnings: ",null,"% Change:"]
[null,null,"O","YTD ",2025,null,null,null,{"$f":"ROUND(J212,2)","v":0},{"$f":"IF(AND(F212<>\"\",G212<>\"\"),IF(K212>0,K212,IF(K212<0,0,K212)),0)","v":0},{"$f":"IF(MONTH(F212)=MONTH(G212),((YEAR(G212)-YEAR(F212))*12)-12+(12-MONTH(F212))+MONTH(G212)-1+(EOMONTH(F212,0)-F212+1)/DAY(EOMONTH(F212,0))+(1-(EOMONTH(G212,0)-G212)/DAY(EOMONTH(G212,0))),((YEAR(G212)-YEAR(F212))*12)-12+(12-MONTH(F212))+MONTH(G212)-1+(EOMONTH(F212,0)-F212+1)/DAY(EOMONTH(F212,0))+(1-(EOMONTH(G212,0)-G212)/DAY(EOMONTH(G212,0))))","v":3.2258064516129004E-2},{"$f":"IFERROR(ROUND(IF(AND(F212<>\"\",G212<>\"\"),H212/I212,0),2),0)","v":0},{"$f":"IFERROR(IF(((L212-L213)/ABS(L213))>0,\"+\",\"\")&TEXT(ROUND(((L212-L213)/ABS(L213))*100,2),\"0.00\")&\"%\",\"-\")","v":"-"},{"$f":"M212","v":"-"}]
[null,null,"O","Year",2024,"2024-01-01","2024-12-31",null,{"$f":"ROUND(J213,2)","v":12},{"$f":"IF(AND(F213<>\"\",G213<>\"\"),IF(K213>0,K213,IF(K213<0,0,K213)),0)","v":12},{"$f":"IF(MONTH(F213)=MONTH(G213),((YEAR(G213)-YEAR(F213))*12)-12+(12-MONTH(F213))+MONTH(G213)-1+(EOMONTH(F213,0)-F213+1)/DAY(EOMONTH(F213,0))+(1-(EOMONTH(G213,0)-G213)/DAY(EOMONTH(G213,0))),((YEAR(G213)-YEAR(F213))*12)-12+(12-MONTH(F213))+MONTH(G213)-1+(EOMONTH(F213,0)-F213+1)/DAY(EOMONTH(F213,0))+(1-(EOMONTH(G213,0)-G213)/DAY(EOMONTH(G213,0))))","v":12},{"$f":"IFERROR(ROUND(IF(AND(F213<>\"\",G213<>\"\"),H213/I213,0),2),0)","v":0},"-",{"$f":"M213","v":"-"}]
[null,null,"O","Year",2023,"2023-01-01","2023-12-31",null,{"$f":"ROUND(J214,2)","v":12},{"$f":"IF(AND(F214<>\"\",G214<>\"\"),IF(K214>0,K214,IF(K214<0,0,K214)),0)","v":12},12,0,"-",{"$f":"M214","v":"-"}]
[]
[null,null,null,"Qualifying Other Income:",null,null,null,null,null,null,{"$f":"ROUND(IFERROR(SUMIF(C212:C214,\"=X\",H212:H214)/SUMIF(C212:C214,\"=X\",I212:I214),0),2)","v":0},{"$f":"K216","v":0}]
[]
[]
[null,{"$f":"\"Total Qualifying Income from: \"&D168","v":"Total Qualifying Income from: "},null,null,null,null,null,null,null,null,{"$f":"IFERROR(L178+L187+L196+L205+L216,0)","v":0},{"$f":"K219","v":0}]
[]
[null,"Borrower Name:",null,null,null,null,null,"Other Income Src: "]
[null,null,"Non-taxable Income with Documentation"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,null,"Annual Amount",null,"HIDE","HIDE","Monthly Amount","HIDE"]
[null,null,{"$f":"IF(Q225,\"X\",\"O\")","v":"O"},"Gross amount reported on personal tax return or Form 1099",null,null,null,null,"Gross amount = 100%",{"$f":"ROUND(H225/12,2)","v":0},null,{"$f":"J225","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,null,"Taxable amount reported on personal tax return",null,null,null,null,{"$f":"\"Taxable portion = \"&TEXT((K226*100),\"0.00\")&\"%\"","v":"Taxable portion = 0.00%"},{"$f":"ROUND(H226/12,2)","v":0},{"$f":"IFERROR(ROUND(H226/H225,4),0)","v":0},{"$f":"J226","v":0},"HIDE"]
[null,null,null,"Amount eligible for gross-up",null,null,0.25,{"$f":"ROUND(IF(AND(H225=0,H226=0),0,H225-H226),2)","v":0},{"$f":"\"Non-taxable portion = \"&TEXT((K227*100),\"0.00\")&\"%\"","v":"Non-taxable portion = 0.00%"},{"$f":"ROUND((H227*(1+G227))/12,2)","v":0},{"$f":"ROUND(IF(AND(H225=0,H226=0),0,1-K226),4)","v":0},{"$f":"J227","v":0},"HIDE"]
[null,null,{"$f":"IF(Q228,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,null,null,null,null,{"$f":"SUM(L226:L227)","v":0},null,null,null,null,false,null,"QI Checkbox"]
[]
[null,null,{"$f":"IF(Q230,\"X\",\"O\")","v":"O"},"Current MONTHLY amount (to gross-up; enter personal tax return information above)",null,null,null,null,null,null,null,null,"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,null,"Taxable amount  (based on entry above)",null,null,null,null,null,null,{"$f":"ROUND(L230*K226,2)","v":0},{"$f":"K231","v":0},"HIDE"]
[null,null,null,"Amount eligible for gross-up  (based on entry above)",null,null,null,null,null,null,{"$f":"ROUND(IF(AND(H225=0,H226=0),0,(L230-L231)*(1+G227)),2)","v":0},{"$f":"K232","v":0},"HIDE"]
[null,null,{"$f":"IF(Q233,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,null,null,null,null,{"$f":"SUM(L231:L232)","v":0},null,null,null,null,false,null,"QI Checkbox"]
[]
[null,null,null,{"$f":"\"Qualifying Income from: \"&D221","v":"Qualifying Income from: "},null,null,null,null,null,null,{"$f":"IFERROR(SUMIF(C225:C234,\"=X\",L225:L234),0)","v":0},{"$f":"K235","v":0}]
[]
[]
[null,"Borrower Name:",null,null,null,null,null,"Other Income Src: "]
[null,null,"Non-taxable Income with Documentation"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,null,"Annual Amount",null,"HIDE","HIDE","Monthly Amount","HIDE"]
[null,null,{"$f":"IF(Q242,\"X\",\"O\")","v":"O"},"Gross amount reported on personal tax return or Form 1099",null,null,null,null,"Gross amount = 100%",{"$f":"ROUND(H242/12,2)","v":0},null,{"$f":"J242","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,null,"Taxable amount reported on personal tax return",null,null,null,null,{"$f":"\"Taxable portion = \"&TEXT((K243*100),\"0.00\")&\"%\"","v":"Taxable portion = 0.00%"},{"$f":"ROUND(H243/12,2)","v":0},{"$f":"IFERROR(ROUND(H243/H242,4),0)","v":0},{"$f":"J243","v":0},"HIDE"]
[null,null,null,"Amount eligible for gross-up",null,null,0.25,{"$f":"ROUND(IF(AND(H242=0,H243=0),0,H242-H243),2)","v":0},{"$f":"\"Non-taxable portion = \"&TEXT((K244*100),\"0.00\")&\"%\"","v":"Non-taxable portion = 0.00%"},{"$f":"ROUND((H244*(1+G244))/12,2)","v":0},{"$f":"ROUND(IF(AND(H242=0,H243=0),0,1-K243),4)","v":0},{"$f":"J244","v":0},"HIDE"]
[null,null,{"$f":"IF(Q245,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,null,null,null,null,{"$f":"SUM(L243:L244)","v":0},null,null,null,null,false,null,"QI Checkbox"]
[]
[null,null,{"$f":"IF(Q247,\"X\",\"O\")","v":"O"},"Current MONTHLY amount (to gross-up; enter personal tax return information above)",null,null,null,null,null,null,null,null,"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,null,"Taxable amount  (based on entry above)",null,null,null,null,null,null,{"$f":"ROUND(L247*K243,2)","v":0},{"$f":"K248","v":0},"HIDE"]
[null,null,null,"Amount eligible for gross-up  (based on entry above)",null,null,null,null,null,null,{"$f":"ROUND(IF(AND(H242=0,H243=0),0,(L247-L248)*(1+G244)),2)","v":0},{"$f":"K249","v":0},"HIDE"]
[null,null,{"$f":"IF(Q250,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,null,null,null,null,{"$f":"SUM(L248:L249)","v":0},null,null,null,null,false,null,"QI Checkbox"]
[]
[null,null,null,{"$f":"\"Qualifying Income from: \"&D238","v":"Qualifying Income from: "},null,null,null,null,null,null,{"$f":"IFERROR(SUMIF(C242:C251,\"=X\",L242:L251),0)","v":0},{"$f":"K252","v":0}]
[]
[]
[null,"Borrower Name:",null,null,null,null,null,"Other Income Src: "]
[null,null,"Social Security without taxation documentation"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,null,"Annual Amount",null,"HIDE","HIDE","Monthly Amount","HIDE"]
[null,null,{"$f":"IF(Q259,\"X\",\"O\")","v":"O"},"Gross amount reported on personal tax return or Form 1099",null,null,null,null,"Gross amount = 100%",{"$f":"ROUND(H259/12,2)","v":0},null,{"$f":"J259","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,"O","15% of gross Social Security",null,null,null,{"$f":"ROUND(H259*0.15,2)","v":0},"x 25%",{"$f":"ROUND((H260*0.25)/12,2)","v":0},{"$f":"IFERROR(ROUND(H260/H259,4),0)","v":0},{"$f":"J260","v":0},"HIDE"]
[null,null,{"$f":"IF(Q261,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,{"$f":"H259+ROUND(H260*0.25,2)","v":0},null,{"$f":"ROUND(H261/12,2)","v":0},{"$f":"ROUND(IF(AND(H259=0,H260=0),0,1-K260),4)","v":0},{"$f":"J261","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[]
[null,null,null,{"$f":"\"Qualifying Income from: \"&D255","v":"Qualifying Income from: "},null,null,null,null,null,null,{"$f":"IFERROR(SUMIF(C259:C261,\"=X\",L259:L261),0)","v":0},{"$f":"K263","v":0}]
[]
[]
[null,"Borrower Name:",null,null,null,null,null,"Other Income Src: "]
[null,null,"Social Security without taxation documentation"]
[null,null,null,null,null,null,null,null,null,"HIDE","HIDE",null,"HIDE"]
[null,null,"Select to include as qualifying income: ",null,null,null,null,"Annual Amount",null,"HIDE","HIDE","Monthly Amount","HIDE"]
[null,null,{"$f":"IF(Q270,\"X\",\"O\")","v":"O"},"Gross amount reported on personal tax return or Form 1099",null,null,null,null,"Gross amount = 100%",{"$f":"ROUND(H270/12,2)","v":0},null,{"$f":"J270","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[null,null,{"$f":"IF(Q271,\"X\",\"O\")","v":"O"},"15% of gross Social Security",null,null,null,{"$f":"ROUND(H270*0.15,2)","v":0},"x 25%",{"$f":"ROUND((H271*0.25)/12,2)","v":0},{"$f":"IFERROR(ROUND(H271/H270,4),0)","v":0},{"$f":"J271","v":0},"HIDE"]
[null,null,{"$f":"IF(Q272,\"X\",\"O\")","v":"O"},"Total Adjusted Income",null,null,null,{"$f":"H270+ROUND(H271*0.25,2)","v":0},null,{"$f":"ROUND(H272/12,2)","v":0},{"$f":"ROUND(IF(AND(H270=0,H271=0),0,1-K271),4)","v":0},{"$f":"J272","v":0},"HIDE",null,null,null,false,null,"QI Checkbox"]
[]
[null,null,null,{"$f":"\"Qualifying Income from: \"&D266","v":"Qualifying Income from: "},null,null,null,null,null,null,{"$f":"IFERROR(SUMIF(C270:C272,\"=X\",L270:L272),0)","v":0},{"$f":"K274","v":0}]
[]
[]
[null,null,"Comments / Notes (For a new line, hold Alt and press Enter)"]

{"sheet":"Instructions","index":1,"n_rows":37,"n_cols":3,"rows_kept":37,"cut":false,"hidden":false,"merged":[]}
[null,"Instructions for using MGIC income calculators:","Go Back to Income Calculator"]
[]
[null,"Upon initial download of the calculator, you may see the following Microsoft warning:"]
[]
[]
[]
[null,"Please make sure that you have followed the bulleted steps below in order to obtain the calculator"]
[null,"·         Go to mgic.com/seb"]
[null,"·         Fill out the form to request access to the worksheets"]
[null,"·         Download the worksheet "]
[null,"·         Open the worksheet and save it to your computer using a different name (before editing)"]
[null,"·         Close the download/worksheet"]
[null,"·         Re-open the worksheet from the saved location"]
[null,"·         If there is a yellow bar at the top, click “Enable Content”"]
[]
[]
[null,"If these steps do not work, please do the following:"]
[null,"·         Close the workbook"]
[null,"·         Navigate to the location where the workbook is saved"]
[null,"·         Right-click on the file and select Properties from the menu"]
[null,"·         At the bottom of the General tab, check the unblock box then click OK"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"If you receive the following pop-up, click on “Yes”"]

{"sheet":"_DEF_AND_RESET_01_2022_","index":2,"n_rows":77,"n_cols":13,"rows_kept":77,"cut":false,"hidden":true,"merged":[]}
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[6,"Show Hide","Income Calculator","Base Pay",false,"Shape",{"$f":"IF(F7=\"Shape\",B7&\" | \"&C7&\" | \"&D7,\"\")","v":"Show Hide | Income Calculator | Base Pay"},null,"Employer Name",-1,7,"NULL"]
[7,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",null,"Rate of Pay",3,5,"NULL"]
[8,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",null,"Pay Frequency",3,6,"Hourly (H)","Hourly (H)"]
[9,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",null,"Hours Worked Weekly",3,7,0,"0.00"]
[10,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2025,"Date from: 2023",5,4,"NULL","2023-01-01"]
[11,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2025,"Date Paid Through: 2023",5,5,"NULL","2023-01-02"]
[12,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2025,"Total Earnings: 2023",5,6,"NULL","2023-01-03"]
[13,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2024,"Date from: 2022",6,4,{"$f":"\"1/1/\"&H14","v":"1/1/2024"},"2022-01-01"]
[14,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2024,"Date Paid Through: 2022",6,5,{"$f":"\"12/31/\"&H15","v":"12/31/2024"},"2022-12-31"]
[15,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2024,"Total Earnings: 2022",6,6,"NULL"]
[16,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2023,"Date from: 2021",7,4,{"$f":"\"1/1/\"&H17","v":"1/1/2023"},"2021-01-01"]
[17,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2023,"Date Paid Through: 2021",7,5,{"$f":"\"12/31/\"&H18","v":"12/31/2023"},"2021-12-31"]
[18,"Show Hide","Income Calculator","Base Pay",false,"Shape","Show Hide | Income Calculator | Base Pay",2023,"Total Earnings: 2021",7,6,"NULL"]
[19,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2025,"Date from: 2023",3,4,"NULL","2023-01-01"]
[20,"Show Hide","Income Calculator","Overtime",false,"Shape",{"$f":"IF(F21=\"Shape\",B21&\" | \"&C21&\" | \"&D21,\"\")","v":"Show Hide | Income Calculator | Overtime"},2025,"Date Paid Through: 2023",3,5,"NULL"]
[21,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2025,"Total Earnings: 2023",3,6,"NULL"]
[22,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",null,"# of Months",3,7,"=ROUND(R[0]C[1],2)","=ROUND(J24,2)"]
[23,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2024,"Date from: 2022",4,4,{"$f":"\"1/1/\"&H24","v":"1/1/2024"},"2022-01-01"]
[24,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2024,"Date Paid Through: 2022",4,5,{"$f":"\"12/31/\"&H25","v":"12/31/2024"},"2022-12-31"]
[25,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2024,"Total Earnings: 2022",4,6,"NULL"]
[26,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2023,"Date from: 2021",5,4,{"$f":"\"1/1/\"&H27","v":"1/1/2023"},"2021-01-01"]
[27,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2023,"Date Paid Through: 2021",5,5,{"$f":"\"12/31/\"&H28","v":"12/31/2023"},"2021-12-31"]
[28,"Show Hide","Income Calculator","Overtime",false,"Shape","Show Hide | Income Calculator | Overtime",2023,"Total Earnings: 2021",5,6,"NULL"]
[29,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2025,"Date from: 2023",3,4,"NULL","2023-01-01"]
[30,"Show Hide","Income Calculator","Bonus",false,"Shape",{"$f":"IF(F31=\"Shape\",B31&\" | \"&C31&\" | \"&D31,\"\")","v":"Show Hide | Income Calculator | Bonus"},2025,"Date Paid Through: 2023",3,5,"NULL"]
[31,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2025,"Total Earnings: 2023",3,6,"NULL"]
[32,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",null,"# of Months",3,7,"=ROUND(R[0]C[1],2)","=ROUND(J33,2)"]
[33,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2024,"Date from: 2022",4,4,{"$f":"\"1/1/\"&H34","v":"1/1/2024"},"2022-01-01"]
[34,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2024,"Date Paid Through: 2022",4,5,{"$f":"\"12/31/\"&H35","v":"12/31/2024"},"2022-12-31"]
[35,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2024,"Total Earnings: 2022",4,6,"NULL"]
[36,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2023,"Date from: 2021",5,4,{"$f":"\"1/1/\"&H37","v":"1/1/2023"},"2021-01-01"]
[37,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2023,"Date Paid Through: 2021",5,5,{"$f":"\"12/31/\"&H38","v":"12/31/2023"},"2021-12-31"]
[38,"Show Hide","Income Calculator","Bonus",false,"Shape","Show Hide | Income Calculator | Bonus",2023,"Total Earnings: 2021",5,6,"NULL"]
[39,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2025,"Date from: 2023",3,4,"NULL","2023-01-01"]
[40,"Show Hide","Income Calculator","Commission",false,"Shape",{"$f":"IF(F41=\"Shape\",B41&\" | \"&C41&\" | \"&D41,\"\")","v":"Show Hide | Income Calculator | Commission"},2025,"Date Paid Through: 2023",3,5,"NULL"]
[41,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2025,"Total Earnings: 2023",3,6,"NULL"]
[42,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",null,"# of Months",3,7,"=ROUND(R[0]C[1],2)","=ROUND(J42,2)"]
[43,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2024,"Date from: 2022",4,4,{"$f":"\"1/1/\"&H44","v":"1/1/2024"},"2022-01-01"]
[44,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2024,"Date Paid Through: 2022",4,5,{"$f":"\"12/31/\"&H45","v":"12/31/2024"},"2022-12-31"]
[45,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2024,"Total Earnings: 2022",4,6,"NULL"]
[46,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2023,"Date from: 2021",5,4,{"$f":"\"1/1/\"&H47","v":"1/1/2023"},"2021-01-01"]
[47,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2023,"Date Paid Through: 2021",5,5,{"$f":"\"12/31/\"&H48","v":"12/31/2023"},"2021-12-31"]
[48,"Show Hide","Income Calculator","Commission",false,"Shape","Show Hide | Income Calculator | Commission",2023,"Total Earnings: 2021",5,6,"NULL"]
[49,"Show Hide","Income Calculator","Other Income",false,"Shape",{"$f":"IF(F50=\"Shape\",B50&\" | \"&C50&\" | \"&D50,\"\")","v":"Show Hide | Income Calculator | Other Income"},null,"Type",2,2,"NULL"]
[50,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2025,"Date from: 2023",5,4,"NULL","2023-01-01"]
[51,"Show Hide","Income Calculator","Other Income",false,"Shape",{"$f":"IF(F52=\"Shape\",B52&\" | \"&C52&\" | \"&D52,\"\")","v":"Show Hide | Income Calculator | Other Income"},2025,"Date Paid Through: 2023",5,5,"NULL"]
[52,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2025,"Total Earnings: 2023",5,6,"NULL"]
[53,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",null,"# of Months",5,7,"=ROUND(R[0]C[1],2)","=ROUND(J53,2)"]
[54,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2024,"Date from: 2022",6,4,{"$f":"\"1/1/\"&H55","v":"1/1/2024"},"2022-01-01"]
[55,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2024,"Date Paid Through: 2022",6,5,{"$f":"\"12/31/\"&H56","v":"12/31/2024"},"2022-12-31"]
[56,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2024,"Total Earnings: 2022",6,6,"NULL"]
[57,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2023,"Date from: 2021",7,4,{"$f":"\"1/1/\"&H58","v":"1/1/2023"},"2021-01-01"]
[58,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2023,"Date Paid Through: 2021",7,5,{"$f":"\"12/31/\"&H59","v":"12/31/2023"},"2021-12-31"]
[59,"Show Hide","Income Calculator","Other Income",false,"Shape","Show Hide | Income Calculator | Other Income",2023,"Total Earnings: 2021",7,6,"NULL"]
[60,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",null,"Borrower Name",-1,2,"NULL"]
[61,"Show Hide","Income Calculator","Taxable",false,"Shape",{"$f":"IF(F62=\"Shape\",B62&\" | \"&C62&\" | \"&D62,\"\")","v":"Show Hide | Income Calculator | Taxable"},null,"Other Income Src",-1,7,"NULL"]
[62,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",null,"Monthly Amount",3,10,"NULL"]
[63,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2025,"Date from: 2023",5,4,"NULL","2023-01-01"]
[64,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2025,"Date Paid Through: 2023",5,5,"NULL"]
[65,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2025,"Total Earnings: 2023",5,6,"NULL"]
[66,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",null,"# of Months",5,7,"=ROUND(R[0]C[1],2)","=ROUND(J227,2)"]
[67,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2024,"Date from: 2022",6,4,{"$f":"\"1/1/\"&H68","v":"1/1/2024"},"2022-01-01"]
[68,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2024,"Date Paid Through: 2022",6,5,{"$f":"\"12/31/\"&H69","v":"12/31/2024"},"2022-12-31"]
[69,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2024,"Total Earnings: 2022",6,6,"NULL"]
[70,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2023,"Date from: 2021",7,4,{"$f":"\"1/1/\"&H71","v":"1/1/2023"},"2021-01-01"]
[71,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2023,"Date Paid Through: 2021",7,5,{"$f":"\"12/31/\"&H72","v":"12/31/2023"},"2021-12-31"]
[72,"Show Hide","Income Calculator","Taxable",false,"Shape","Show Hide | Income Calculator | Taxable",2023,"Total Earnings: 2021",7,6,"NULL"]
[73,"Show Hide","Income Calculator","Non-Taxable",false,"Shape",{"$f":"IF(F74=\"Shape\",B74&\" | \"&C74&\" | \"&D74,\"\")","v":"Show Hide | Income Calculator | Non-Taxable"},null,"Gross Annual Amount",3,6,"NULL"]
[74,"Show Hide","Income Calculator","Non-Taxable",false,"Shape","Show Hide | Income Calculator | Non-Taxable",null,"Taxable Annual Amount",4,6,"NULL"]
[75,"Show Hide","Income Calculator","Non-Taxable",false,"Shape","Show Hide | Income Calculator | Non-Taxable",null,"Amt for Gross-Up",5,5,0.25,0.25]
[76,"Show Hide","Income Calculator","Non-Taxable",false,"Shape","Show Hide | Income Calculator | Non-Taxable",null,"Current Monthly Amount",7,10,"NULL"]

{"sheet":"__VAR_OPS__","index":3,"n_rows":29,"n_cols":11,"rows_kept":29,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,null,null,null,null,"COL"]
[null,null,null,null,null,"NUM"]
[null,null,null,null,null,"HEADER_ACTION",2,"lHdrActionColNum",null,null,{"$f":"\"Public Const \"&H5&\" As Long = \"&G5&\"   '\"&F5","v":"Public Const lHdrActionColNum As Long = 2   'HEADER_ACTION"}]
[null,null,null,null,null,"WKSHEET",3,"lWksOpColNum",null,null,{"$f":"\"Public Const \"&H6&\" As Long = \"&G6&\"   '\"&F6","v":"Public Const lWksOpColNum As Long = 3   'WKSHEET"}]
[null,null,null,null,null,"PG_SECTION",4,"lHdrSectionColNum",null,null,"Public Const lHdrSectionColNum As Long = 4   'PG_SECTION"]
[null,null,null,null,null,"HARDCODED",5,"lHardcodeColNum",null,null,"Public Const lHardcodeColNum As Long = 5   'HARDCODED"]
[null,null,null,null,null,"OFF_OF",6,"lOffOfColNum",null,null,"Public Const lOffOfColNum As Long = 6   'OFF_OF"]
[null,null,null,null,null,"SHAPE_PREFIX",7,"lShpPrefixColNum",null,null,"Public Const lShpPrefixColNum As Long = 7   'SHAPE_PREFIX"]
[null,null,null,null,null,"YEAR_OPT",8,"lYrOptColNum",null,null,"Public Const lYrOptColNum As Long = 8   'YEAR_OPT"]
[null,null,null,null,null,"MY_NAME",9,"lMyNameColNum",null,null,"Public Const lMyNameColNum As Long = 9   'MY_NAME"]
[null,null,null,null,null,"DEF_ROW",10,"lDefRowColNum",null,null,"Public Const lDefRowColNum As Long = 10   'DEF_ROW"]
[null,null,null,null,null,"DEF_COL",11,"lDefColColNum",null,null,"Public Const lDefColColNum As Long = 11   'DEF_COL"]
[null,null,null,null,null,"DEF_FORMULA_OR_VALUE",12,"lDefValColNum",null,null,"Public Const lDefValColNum As Long = 12   'DEF_FORMULA_OR_VALUE"]
[null,null,null,null,null,"EXAMPLE_FORMULA_OR_VALUE"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Public Const lHdrActionColNum As Long = 2   'HEADER_ACTION"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lWksOpColNum As Long = 3   'WKSHEET"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lHdrSectionColNum As Long = 4   'PG_SECTION"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lHardcodeColNum As Long = 5   'HARDCODED"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lOffOfColNum As Long = 6   'OFF_OF"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lShpPrefixColNum As Long = 7   'SHAPE_PREFIX"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lYrOptColNum As Long = 8   'YEAR_OPT"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lMyNameColNum As Long = 9   'MY_NAME"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lDefRowColNum As Long = 10   'DEF_ROW"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lDefColColNum As Long = 11   'DEF_COL"]
[null,null,null,null,null,null,null,null,null,null,"Public Const lDefValColNum As Long = 12   'DEF_FORMULA_OR_VALUE"]

{"sheet":"_LOOKUP_LISTS_","index":4,"n_rows":13,"n_cols":24,"rows_kept":13,"cut":false,"hidden":true,"merged":[]}
["LKP_YEAR","LKP_PAY_FREQ","LKP_PAY_FREQ_VAL","LKP_PAY_FREQ_02","LKP_PAY_FREQ_VAL_02",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Error Messages:"]
[2022,"Hourly (H)","H","Hourly (H)","H",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Either the \"A\" or \"Y\" checkbox must be checked (but not both)."]
[2023,"Weekly (52)",52,"Weekly (52)",52,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Both the \"A\" and \"Y\" checkboxes must be unchecked."]
[2024,"Bi-Weekly (26)",26,"Bi-Weekly (26)",26,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Date and Earnings fields."]
[null,"Semi-Monthly (24)",24,"Semi-Monthly (24)",24,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Date field."]
[null,"Monthly (12)",12,"Monthly (12)",12,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Earnings field."]
[null,"Quarterly (4)",4,"Quarterly (4)",4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If this line is checked, the three below cannot be."]
[null,"Semi-Annually (2)",2,"Semi-Annually (2)",2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If this line is checked, all others cannot be."]
[null,"Annually (1)",1,"Annually (1)",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If this line is checked, the other cannot be."]
[null,"Varies",0,"Varies",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Amount and Percentage fields."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Amount fields."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please complete the Percentage field."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please choose only one checkbox."]

{"sheet":"_SHOW_HIDE_TOTALS_","index":5,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":true,"merged":[]}
["NUM_ENTRY","HEADER_ACTION","WKSHEET","PG_SECTION","NUM_ROWS","COLS_OVER"]
[1,"Total Row","Income Calculator","Employer^1",2,3]
[2,"Total Row","Income Calculator","Employer^2",2,3]
[3,"Total Row","Income Calculator","Employer^3",2,3]
[4,"Total Row","Income Calculator","Employer^4",2,3]

{"sheet":"_SHOW_HIDE_OPS_","index":6,"n_rows":31,"n_cols":4,"rows_kept":31,"cut":false,"hidden":true,"merged":[]}
["NUM_ENTRY","WKSHEET","PG_SECTION","NUM_ROWS"]
[1,"Income Calculator","Base Pay^1",10]
[2,"Income Calculator","Overtime^1",8]
[3,"Income Calculator","Bonus^1",8]
[4,"Income Calculator","Commission^1",8]
[5,"Income Calculator","Other Income^1",10]
[6,"Income Calculator","Base Pay^2",10]
[7,"Income Calculator","Overtime^2",8]
[8,"Income Calculator","Bonus^2",8]
[9,"Income Calculator","Commission^2",8]
[10,"Income Calculator","Other Income^2",10]
[11,"Income Calculator","Base Pay^3",10]
[12,"Income Calculator","Overtime^3",8]
[13,"Income Calculator","Bonus^3",8]
[14,"Income Calculator","Commission^3",8]
[15,"Income Calculator","Other Income^3",10]
[16,"Income Calculator","Base Pay^4",10]
[17,"Income Calculator","Overtime^4",8]
[18,"Income Calculator","Bonus^4",8]
[19,"Income Calculator","Commission^4",8]
[20,"Income Calculator","Other Income^4",10]
[21,"Income Calculator","Taxable^1",10]
[22,"Income Calculator","Non-Taxable^1",12]
[23,"Income Calculator","Taxable^2",10]
[24,"Income Calculator","Non-Taxable^2",12]
[25,"Income Calculator","Taxable^3",10]
[26,"Income Calculator","Non-Taxable^3",12]
[27,"Income Calculator","Taxable^4",10]
[28,"Income Calculator","Non-Taxable^4",12]
[29,"Other Source","Taxable^1",10]
[30,"Other Source","Non-Taxable^1",11]

{"sheet":"_DEFAULTS_AND_RESET_","index":7,"n_rows":30,"n_cols":10,"rows_kept":30,"cut":false,"hidden":true,"merged":[]}
["NUM","HEADER_ACTION","WKSHEET","PG_SECTION","DEF_NAME","ACTUAL_NAME","DEF_ROW","DEF_COL","DEF_FORMULA_OR_VALUE","EXAMPLE_FORMULA_OR_VALUE"]
[1,"Show Hide","Income Calculator","Base Pay^1","DEFAULT01","Rate_of_Pay_Monthly_Earnings",3,10,"=IFERROR(ROUND(†-1|0†/12,2),0)","=IFERROR(ROUND(K12/12,2),0)"]
[2,"Show Hide","Income Calculator","Base Pay^1","DEFAULT02","Base_Pay_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[3,"Show Hide","Income Calculator","Overtime^1","DEFAULT01","Overtime_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[4,"Show Hide","Income Calculator","Bonus^1","DEFAULT01","Bonus_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[5,"Show Hide","Income Calculator","Commission^1","DEFAULT01","Commission_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[6,"Show Hide","Income Calculator","Other Income^1","DEFAULT01","Other_Income_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[7,"Show Hide","Income Calculator","Base Pay^2","DEFAULT01","Rate_of_Pay_Monthly_Earnings",3,10,"=IFERROR(ROUND(†-1|0†/12,2),0)","=IFERROR(ROUND(K12/12,2),0)"]
[8,"Show Hide","Income Calculator","Base Pay^2","DEFAULT02","Base_Pay_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[9,"Show Hide","Income Calculator","Overtime^2","DEFAULT01","Overtime_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[10,"Show Hide","Income Calculator","Bonus^2","DEFAULT01","Bonus_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[11,"Show Hide","Income Calculator","Commission^2","DEFAULT01","Commission_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[12,"Show Hide","Income Calculator","Other Income^2","DEFAULT01","Other_Income_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[13,"Show Hide","Income Calculator","Base Pay^3","DEFAULT01","Rate_of_Pay_Monthly_Earnings",3,10,"=IFERROR(ROUND(†-1|0†/12,2),0)","=IFERROR(ROUND(K12/12,2),0)"]
[14,"Show Hide","Income Calculator","Base Pay^3","DEFAULT02","Base_Pay_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[15,"Show Hide","Income Calculator","Overtime^3","DEFAULT01","Overtime_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[16,"Show Hide","Income Calculator","Bonus^3","DEFAULT01","Bonus_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[17,"Show Hide","Income Calculator","Commission^3","DEFAULT01","Commission_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[18,"Show Hide","Income Calculator","Other Income^3","DEFAULT01","Other_Income_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[19,"Show Hide","Income Calculator","Base Pay^4","DEFAULT01","Rate_of_Pay_Monthly_Earnings",3,10,"=IFERROR(ROUND(†-1|0†/12,2),0)","=IFERROR(ROUND(K12/12,2),0)"]
[20,"Show Hide","Income Calculator","Base Pay^4","DEFAULT02","Base_Pay_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[21,"Show Hide","Income Calculator","Overtime^4","DEFAULT01","Overtime_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[22,"Show Hide","Income Calculator","Bonus^4","DEFAULT01","Bonus_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[23,"Show Hide","Income Calculator","Commission^4","DEFAULT01","Commission_Annualize_or_YTD",3,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[24,"Show Hide","Income Calculator","Other Income^4","DEFAULT01","Other_Income_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J38,2)"]
[25,"Show Hide","Income Calculator","Taxable^1","DEFAULT01","Taxable_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[26,"Show Hide","Income Calculator","Taxable^2","DEFAULT01","Taxable_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[27,"Show Hide","Income Calculator","Taxable^3","DEFAULT01","Taxable_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[28,"Show Hide","Income Calculator","Taxable^4","DEFAULT01","Taxable_Annualize_or_YTD",5,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]
[29,"Show Hide","Other Source","Taxable^1","DEFAULT01","Taxable_Annualize_or_YTD",6,7,"=ROUND(†0|1†,2)","=ROUND(J26,2)"]