Your Borrowing Range

Net monthly income

$
$
$
$
$
$

Monthly expenses

$
$
$
$
$
$
$

Monthly debt repayments

$
$
$
$
$
$
% p.a.

Your Borrowing Range

—
Comfort
Budget
More breathing room
Easier on monthly cashflow
—
Estimate
Borrowing Power
Closer to your limit
Tighter monthly cashflow

Enter your income to see your range

What sits between? Each dollar above the comfort end uses more of your monthly surplus. The Borrowing Power end uses it all. Drag the slider to see what fits your weekly cashflow.

No impact to your credit file · Takes 2 minutes

Indicative estimates only. Comfort estimate uses our budget rule (30% of monthly surplus at 6.49% p.a. over 7 years). Lender estimate uses APRA Prudential Practice Guide APG 223 (2022-10) Net Income Surplus model with +3.00% serviceability buffer. Individual lenders apply their own credit policies, income verification, expense benchmarks, and credit scoring. Your actual borrowing capacity may be higher or lower. This calculator does not constitute a loan offer.

Results are estimates only and do not constitute financial advice.