Loan Affordability Calculator

This Loan Affordability Calculator estimates how much you can borrow based on your income, expenses, existing debts, and a lender-style DTI limit. Results update instantly and help you understand your borrowing power before applying.

Income

Gross Annual Income ($): Other Annual Income ($):

Monthly Expenses

Living Expenses ($): Existing Monthly Debts ($):

Loan Settings

Interest Rate (%): Loan Term (years): Max DTI Threshold (%): Most lenders use 30–40% as a typical DTI limit.

Income vs Debt

Summary

Total Income: $

Total Debt: $

Max Borrowing: $

DTI After Loan: %

Compare Live Home Loan Rates

Below are live rates from Australian lenders. Updated automatically.