BORROWING CAPACITY CALCULATOR

Use this Borrowing Capacity Calculator to estimate how much you may be able to borrow based on your income, regular expenses, existing debt commitments, interest rate, and loan term.

It provides an indicative borrowing range by estimating how much of your available monthly cash flow could support mortgage repayments. Actual borrowing capacity can vary significantly between lenders and individual circumstances.

Inputs

For display only. No FX conversion is performed.
Enter household income after tax and other compulsory deductions.
Include regular income you want to consider in the estimate.
Include regular household and personal living expenses.
Include regular repayments for existing loans and other debts. Credit cards can be entered separately below.
Enter the combined credit limits across all credit cards, not the current outstanding balance.
Include other regular financial commitments not already counted above.
Amount you want to keep available each month rather than commit to mortgage repayments.
The rate used to estimate how much loan the available monthly repayment capacity could support.
This is an indicative cash-flow estimate only. Actual borrowing capacity may differ significantly between lenders because assessment methods, income treatment, living-expense benchmarks, credit policies, interest-rate buffers, and other lending criteria vary.

Results

Enter your income, expenses, existing commitments, credit limits, assessment interest rate, and loan term to estimate how much mortgage debt your available cash flow may support.

How to Read the Results

The results show an estimated borrowing capacity based on the income, expenses, debt commitments, interest rate, and loan term entered. The calculator converts your available monthly repayment capacity into an indicative loan amount. Small changes in expenses, existing debt repayments, or the assessment interest rate can materially change the result. Use the estimate to understand borrowing boundaries and compare scenarios, not as an indication of loan approval.

Common Use Cases
  • Estimating how much mortgage debt your current cash flow may support
  • Comparing borrowing capacity at different interest rates
  • Seeing how existing debt repayments affect potential borrowing
  • Testing how changes in income or regular expenses affect borrowing capacity
  • Exploring a possible property budget before speaking with a lender
Related Calculators

→ Mortgage Calculator
→ House Deposit Calculator
→ LVR Calculator

Disclaimer

All calculations provided on CalcuFinder are estimates for general informational and planning purposes only. Results depend on the information entered and the assumptions used, and actual outcomes may differ. CalcuFinder does not provide financial, investment, tax, or legal advice.