How much can I borrow?
Enter your monthly net income and regular expenses. What is left, minus a safety margin, is the monthly payment you can afford, and that sets your maximum loan.
| Net monthly income | – |
| Monthly expenses | – |
| Left over each month | – |
| Safety margin (20%) | – |
| Affordable monthly payment | – |
How this estimate works
Your expenses are subtracted from your net income. The safety margin then keeps part of what is left free for savings, rate rises and surprises. Many banks expect a buffer of around 20%, so that is the default. What remains is the most you could pay each month, and the maximum loan is the amount that payment repays over the amortization period at your interest rate: P = M × (1 − (1 + r)−n) ÷ r, using the same monthly rate as the loan calculator.
This is an estimate for illustration only and not financial advice. Lenders also look at your credit history, job, debt-to-income limits and stress-tested rates, so the amount they offer may be lower. Fees, insurance and taxes are not included. Nothing you enter is sent anywhere; it stays in your browser.