Borrowing Power Calculator

Find out how much you may be able to borrow for a home loan. Enter your income, expenses, and loan details to estimate your maximum borrowing capacity.

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Borrowing Power Calculator 2026 — How Much Can I Borrow?

Calculate your borrowing power for a home loan. Estimate the maximum amount a lender may let you borrow based on your income, expenses, and interest rate.

Annual Income ($)

Other Annual Income ($)

Monthly Expenses & Debts ($)

Monthly Credit Card Minimum (or 3% of balance)

Monthly Personal Loan Payments ($)

Interest Rate (%)

Amortization Period (years)

Estimated Max Borrowing$298,698

Max Monthly Payment$2,507

Assessment Rate9.0%

Net Monthly Income$7,833

Borrowing Power Overview

Uses 32% debt-to-income ratio with a 3% buffer above the current rate, common in Australian lending.

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