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Affordability calculator

Estimate a sensible loan size from your income, your existing debts and the payment-to-income limit a lender is likely to use.

Gross annual income (USD)

Other monthly debt payments (USD)

Expected annual rate (%)

Term (months)

Debt-to-income limit (%)

The estimate applies a debt-to-income limit to gross monthly income, subtracts your existing monthly debt payments, and converts the remaining payment into a loan amount using the standard amortisation formula. Lenders apply their own limits — 36% is a common benchmark, some allow more and many allow less — and they also weigh credit history, employment and property. Treat the result as a ceiling to test against quotes, not an approval.

This calculator is an estimate, not an offer, a quote, or financial advice. We are not a lender and we do not set rates or make credit decisions.