Borrowing Power Calculator
Use this quick calculator to test how income, expenses, debts and deposit size can change the first sensible borrowing range before you start lender comparison.
Estimated result
$0 - $0
Start with your current numbers, then adjust the deposit or expenses to see how quickly the range changes.
How this is calculated for borrowing power
The calculator starts with monthly income, removes living expenses and current debt repayments, then applies a simple multiplier to create an early borrowing range. It is a planning tool, not a lender decision, so property type, credit history, deposit source and lender policy can all move the final result.
For formal guidance on lending buffers and budgeting, review the current material from APRA and Moneysmart.
Assumption set
This calculator is a general borrowing-power guide only. It assumes principal-and-interest repayments, the loan term and expected rate entered above, a simplified tax and living-cost model, and an APRA-style serviceability buffer. It does not assess credit history, property security, lender policy exceptions, income shading, existing credit limits, deposit source, grants or mortgage insurance. A broker or lender must confirm the actual serviceability result in writing before you rely on it.