Planning Tool
Borrowing Power Calculator
Every lender assesses borrowing capacity differently. This tool gives you a rough guide based on your income, expenses and commitments — a useful starting point before you speak with a broker.
Enter your income, expenses and commitments, then select Estimate borrowing power.
This calculator provides an indicative estimate only and is not financial advice, an offer of credit, a pre-approval or a guarantee of how much any lender will lend. It assumes an indicative Australian resident tax rate, a 3% assessment buffer above your entered rate, a monthly allowance of $400 per dependant and credit card limits assessed at 3.8% of the limit per month. Your actual capacity depends on the lender's policy and a full assessment of your circumstances.
Find out what lenders will actually consider
We compare policies across our lender panel — including how different lenders treat overtime, self-employed income, HECS and casual work — so you know where you stand before you apply.