Borrowing Power Calculator

Estimate how much a lender may let you borrow on your income and expenses.

Your details

Your annual income (before tax)

Partner's annual income (before tax)

Monthly living expenses

Existing monthly debt repayments

Number of dependants

Assessment rate (stress tested)

Actual interest rate offered

Where your monthly income goes

Estimated borrowing power

$480,000

Estimated monthly surplus available for repayments$3,723.33
Indicative purchase price with a 20% deposit$600,000
Monthly repayment at your actual 6.1% rate$2,908.77
Monthly repayment if rates rose to 8.6%$3,724.86

Lender policies differ widely — how casual income, bonuses, HECS-HELP debt, credit card limits and childcare are treated can move this number by six figures between lenders.

Find out what you can actually borrow

This calculator gives a general estimate only. It is not personal financial, credit or tax advice and does not take your objectives or circumstances into account.

What this calculator assumes

Income tax, Medicare levy and the low income tax offset use the FY2026-27 scales in our shared rate file, current as at July 2026.
Repayments are assessed at the stress-tested rate over a 30 year principal and interest term.
An indicative allowance of $600 per month per dependant is applied; lenders use their own household expenditure benchmarks.
An estimate only — it is not a pre-approval and no lender is bound by it.
Rates and thresholds current as at July 2026.

This calculator provides a general estimate only. It is not personal financial, credit or taxation advice and does not take your objectives, financial situation or needs into account. Counting Beans A.F. provides financial advice under AFSL 491754 (D&M Financial Services Pty Ltd) and credit assistance under Credit Representative number 528884. Please read our Financial Services Guide and Credit Guide, and speak with us before acting on any result.

Borrowing Power Calculator

Your details

What this calculator assumes

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