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See what you could
realistically borrow.

Income, expenses, and existing debts, mapped through the same buffers the banks use.

What a lender will offer you.

Your details

Net monthly income

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$
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Monthly expenses

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$
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$
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$

Monthly debt repayments

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$
$
$
$
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% p.a.

Your estimated borrowing power

Borrowing capacity

Unable to estimate from these inputs

Summary

Net monthly income$0
Monthly expenses$0
Monthly debt repayments$0
Max monthly repayment$0

Our comfort estimate lands lower.

Based on a more conservative budget rule, our calculator estimates add your income to see this keeps repayments at a relaxed pace, with room for life.

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Your declared expenses and debts exceed your declared income. Reduce monthly outgoings or increase declared income to estimate borrowing power.
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WARNING: This is an indicative estimate only. Individual lenders apply their own credit policies, income verification, expense benchmarks (including the Household Expenditure Measure), and credit scoring. Income haircuts on overtime, bonuses, and rental income, and HECS/HELP exclusions for debt under 12 months remaining, vary by lender. 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.

FAQ

Common questions about borrowing power

What APRA standards does this calculator follow?
This calculator implements APRA Prudential Practice Guide APG 223 Residential Mortgage Lending (October 2022) using the Net Income Surplus model. We apply the APRA-mandated minimum serviceability buffer of 3 percentage points above your headline rate and back-solve the maximum loan principal at a Net Serviceability Ratio of 1.00, where your disposable income fully services existing and proposed debt at the assessment rate.
What is the APRA serviceability buffer and why does it matter?
Since October 2022, APRA requires lenders to assess your ability to repay at 3 percentage points above the loan's actual rate. If you're applying at 7.99%, the lender tests whether you could service repayments at 10.99%. The buffer protects borrowers from payment shock if rates rise. Our calculator applies it automatically, which is why the figure you see is conservative on purpose.
Why does this calculator ask me for net income?
APRA serviceability models work on net (after-tax) income because that is what actually services debt. We trust you to enter your post-PAYG, post-Medicare-levy take-home pay. For variable income like overtime, bonus, or rental income, the itemise breakdown applies APRA's prudent-lender minimum haircut of 20% per APG 223. If you enter a single net total, the calculator assumes you have already netted accurately.
Why is this different from what a bank quotes me?
Real lender decisions include credit scoring, verified income documents, bank-feed expense analysis, the Household Expenditure Measure (HEM) floor on living expenses, and product-specific credit policies that vary lender by lender. Variable income haircuts vary too — some lenders apply 50% on overtime; some apply 20% on rental, others 30% or more in high-risk areas. For HECS-HELP debt under 12 months remaining, APRA updated its guidance in September 2025 to allow lenders to exclude it. Use this as a starting point, not a guarantee.
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