YTD Income Calculator
Turn your year-to-date earnings into an annualised income based on how far through the year you are — the figure lenders and budgets often ask for.
"YTD" — year-to-date — income is what you've earned since the start of the pay year. Lenders often annualise it to estimate your full-year salary when you don't have a clean annual figure, and it's handy for checking whether you're on track against a budget or a target. Annualising simply scales your earnings so far up to a whole year.
How to annualise YTD income
Divide your year-to-date earnings by the fraction of the year that has passed. If you count in months, multiply by 12 and divide by the months completed; if you count in days, divide by the days elapsed and multiply by 365.
By days: Annual = YTD × 365 ÷ Days elapsed
| Input | Notes |
|---|---|
| YTD gross income | Earnings before tax since the pay year began |
| Period elapsed | Whole months, or exact days from a payslip date |
| Result | Estimated full-year income at the same pace |
Worked example
$45,000 earned through the end of May (5 months):
| Monthly average = 45,000 ÷ 5 | $9,000 |
| Annualised = 45,000 × 12 ÷ 5 | $108,000 |
When annualising can mislead
Annualising assumes the rest of the year pays at the same rate as the part that's passed. That breaks down if your income is seasonal, includes a one-off bonus, or if you started partway through the year. For irregular pay, counting exact days from a recent payslip is more accurate than rounding to whole months, and it's worth annualising both a strong and a weak stretch to see the range.