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Check your borrowing power

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Tell me about your household

$
Before tax, excluding super
$
Before tax, excluding super
$
Food, utilities, transport, insurance and regular spending
$
Existing home loans, personal loans, car loans, HELP and other commitments
$
Use the limits, not the current balances
%
Choose an indicative rate to test. This is not a rate quote.

Important: This calculator provides a broad estimate only. It is not a pre-approval, lending decision, quote or personal credit advice. Lenders use different expense benchmarks and policies for income, dependants and existing debts. Your actual borrowing capacity may be higher or lower.

The estimate assumes principal and interest repayments and uses simplified 2026-27 Australian resident income-tax rates, an approximate Medicare levy and broad household and lending assumptions. The interest rate entered is used only to produce this broad estimate and is not a rate quote. It does not account for every tax offset, HELP repayment rule, lender policy, property type, deposit or interest-only commitment.

Credit Representative 548043 is authorised under Australian Credit Licence 389328.

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