Before tax, without super.
Before costs. Leave out a rental's rent that you enter with its loan.
Food, bills, transport and the rest, without rent or loan repayments. Blank counts as $0.
The total limit on every card, not what is owed.
Add a loan you have
The yearly rate on the new loan, before the buffer.
Added to each loan's rate for the test. Lenders add at least 3%.
APRA expects lenders to take at least 20% off rent, for empty weeks and costs.
Counted on the whole limit, whatever is owed.