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It instructs users to include existing and future expenses after funding while excluding investment property expenses (captured separately as Rental Expenses). The template breaks down categories such as food, utilities, communication, education, clothing, transport, medical, insurance, recreation, children and pets, adult dependants, and additional expenses, with mandatory fields requiring amounts above $0 where applicable and a final total.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":21,"@type":70,"position":76},"https://docshare.wps.com/template/invoices/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/monthly-living-expenses-calculation-template-loan-application-expenses-checklist/237892/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/monthly-living-expenses-calculation-template-loan-application-expenses-checklist/237892.png","ImageObject",442,249,{"name":88,"@type":89},"WPS_1786070896","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-17","2026-09-11",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",6,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What should be included when calculating Monthly Living Expenses?","Question",{"text":109,"@type":110},"Include existing expenses that will continue and any new expenses that will be incurred after the loan is funded, covering the listed categories where applicable.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What expenses must be excluded from Monthly Living Expenses?",{"text":114,"@type":110},"Do not include investment property expenses; these must be captured separately as Rental Expenses. 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To calculate the Monthly Living Expenses, which is the amount of money needed to maintain a reasonable standard of living, consider existing expenses that will continue to be incurred, and any new expenses that will be incurred after the loan is funded. Expenses such as the ones below should be included (where applicable) . If you are an existing CommBank customer you can use the tools located on the CommBank app to assist with completing this.  \n Please Note:  \nDo not include investment property expenses as part of your Monthly Living Expenses. These are to be captured as Rental Expenses.  \n\n| Number of Adults in Household |  |\n| --- | --- |\n| Number of Dependants in Household |  |\n| Age of Dependants in Household |  |\n\n\n| Monthly Living Expenses |  |\n| --- | --- |\n| Food and Groceries\u003Cbr>Items you should consider include fruit, meat, groceries, household items, take away food and coffee (e.g. Uber Eats, Deliveroo, Menulog).\u003Cbr>Capturing of food and groceries costs is mandatory and the amount must be greater than $0. | $ |\n| Primary Residence Utility and Maintenance\u003Cbr>Items you should consider include utilities such as water, electricity and gas, council rates, strata and other body corporate fees, ongoing maintenance, repairs, household goods and furnishings.\u003Cbr>Do not include mortgage repayments, rent, insurance, gardening and home help services, annual land and property tax.\u003Cbr>Where you own or rent a property the amount should be greater than $0. | $ |\n| Communication\u003Cbr>Items you should consider include internet, pay tv, phone and media streaming subscriptions (e.g. Netflix, Spotify, Foxtel). | $ |\n| Tertiary and Public Education\u003Cbr>Items you should consider include public school/uni fees, books, materials, courses, higher education and professional development.\u003Cbr>Do not include private education costs.\u003Cbr>Where you have children of school age and they attend a public school, the amount must be greater than $0. | $ |\n| Clothing and Personal Care\u003Cbr>Items you should consider include clothing, shoes, accessories, hair styling and hair products, cosmetics and toiletries.\u003Cbr>Do not include beauty treatments (e.g. nails, tanning, spa treatments).\u003Cbr>Capturing of clothing and personal care costs is mandatory and the amount must be greater than $0. | $ |\n| Transport and Auto\u003Cbr>Items you should consider include public transport, car registration, petrol, tolls, repairs and maintenance, and rideshare costs (e.g. Uber, taxi).\u003Cbr>Do not include car insurance and recreational vehicle expenses ([e.g. boats](e.g. boats), caravans, trailers). | $ |\n\n005-371 170425 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945 Page 1 of 2  \n\n| Monthly Living Expenses |  |\n| --- | --- |\n| Medical, Health and Fitness\u003Cbr>Items you should consider include doctor, dentist, physiotherapy, medicines, eye care, glasses and gym membership.\u003Cbr>Do not include health insurance and counselling. | $ |\n| Insurance\u003Cbr>Items you should consider include car, home and contents insurance.\u003Cbr>Do not include investment property, health and life insurances and recreational vehicle insurances. Where you are purchasing an owner occupied property the amount must be greater than $0. | $ |\n| Recreation, Travel and Entertainment\u003Cbr>Items you should consider include sport, domestic holidays, dining out, movies, electronic games, electronics, tobacco, alcohol, gambling, parties and functions.\u003Cbr>Do not include overseas travel. | $ |\n| Children and Pets\u003Cbr>Items you should consider including for children are: day care, childcare, preschool, sports, extracurricular activities, and nannies.\u003Cbr>Items you should consider including for pets are: pet food, grooming, minding services, care products, health products and veterinarian fees.\u003Cbr>Where you have declared you have children this amount","cbCaiqEE121Giaeh","https://ap.wps.com/l/cbCaiqEE121Giaeh","pdf",509495,"English","# Monthly Living Expenses Calculation\n## Household details\n## Monthly Living Expenses categories\n### Food and groceries\n### Primary residence utility and maintenance\n### Communication\n### Tertiary and public education\n### Clothing and personal care\n### Transport and auto\n### Medical, health and fitness\n### Insurance\n### Recreation, travel and entertainment\n### Children and pets\n### Expenses for adult dependants\n### Other additional expenses\n## Total","[{\"question\":\"What should be included when calculating Monthly Living Expenses?\",\"answer\":\"Include existing expenses that will continue and any new expenses that will be incurred after the loan is funded, covering the listed categories where applicable.\"},{\"question\":\"What expenses must be excluded from Monthly Living Expenses?\",\"answer\":\"Do not include investment property expenses; these must be captured separately as Rental Expenses. Also exclude items explicitly marked as not included within each category, such as mortgage repayments and rent for the primary residence section.\"},{\"question\":\"Are there any rules for the amounts entered in the template?\",\"answer\":\"Some categories require amounts to be greater than $0, and certain mandatory fields (such as food and groceries, and clothing and personal care) must be captured with positive values.\"}]","Monthly Living Expenses Calculation Template - Loan Application Expenses Checklist | PDF",1789127597]