Borrowing Power Calculator

Who's applying

Just meMe and a partner

Your income before tax, per year

Other income rent, bonuses, per year

Dependent children

Living expenses per month, optional

Other loan repayments car, personal, per month

Credit card limits total, even if paid off

Deposit and savings for the purchase

Interest rate

% p.a.

Serviceability buffer APRA minimum

% points

Loan term

years

Estimated borrowing power

–

Loan plus your deposit–

Monthly repayment–

Rate the bank tests you at–

Living expenses counted–

Spare cash at the test rate–

What limits you–

Take-home pay per month–

Living expenses: lenders use the higher of your own figure and a household benchmark (like the HEM). Leave the box blank to use our benchmark. Tax is worked out at 2026–27 resident rates, including the low income tax offset and Medicare levy. Other income is counted at 80%, and credit cards at 3.8% of the limit each month.

Free Borrowing Power Calculator by ClearCalc. Estimates only, not financial advice.