Borrowing Power Calculator — how much could you borrow?

Enter your income, living expenses and existing debts to estimate the home loan a lender may offer you. We apply Australian tax rates and the 3% serviceability buffer lenders use, so the figure is closer to a real assessment than a simple multiplier.

Income (before tax)

Your annual income$95,000

Partner's annual income$0

Expenses & debts

Monthly living expenses$2,500

Existing monthly loan repayments$0

Total credit card limits$5,000

Loan settings

Deposit saved$80,000

Interest rate6.00%

Loan term30 yrs

Estimated borrowing power

$435,111

Assessed at 9.00% (rate + 3% buffer) over 30 years

Max property price

$515,111

incl. $80,000 deposit

Est. monthly repayment

$2,609

at 6.00%

How the bank sees your month

Take-home income (after tax): $6,151
Living expenses: −$2,500
Existing loan repayments: −$0
Credit card assessment (3% of limit): −$150
Available for repayments: $3,501

Next step

Found your number? See what the repayments look like and how fast you could pay it off.

Model this loan →Stamp duty calculator

This calculator provides estimates only and is not financial advice. Figures use 2024–25 Australian resident tax rates plus the 2% Medicare levy, a 3% serviceability buffer, and a 3% monthly credit card limit assessment. Actual borrowing capacity varies by lender and your full circumstances — speak to a licensed broker or lender before making decisions.