When comparing the disposable income in the credit assessment with the budget, differences may arise due to how the data is processed and the assumptions made in each calculation.

The primary reason for the difference is that the budget calculation does not account for shared expenses. For example, the customer may share their expenses with a partner (e.g., 50% of the total expenses), but this is not reflected in the budget amount.

Here’s an example of how the calculations differ:

​Budget Calculation:
The budget is calculated as Total Income + Total Expenses, meaning the entire expense amount is deducted from the income, even though the customer has stated that the expenses are split 50/50 with a partner. The budget calculation does not account for this, so all expenses are considered as if they apply solely to the customer’s own income.

The credit assessment, on the other hand, does take into account that some expenses may be shared. This can result in a more accurate calculation of disposable income, particularly in shared financial situations.

Although both the credit assessment and the budget provide insight into a customer’s financial situation, the budget tool works solely based on the information available from the customer’s income and total expenses, without factoring in the sharing of expenses with others.