Stress-tested serviceability
The planning scenario uses a 6.0% example rate plus a 3.0% buffer over 30 years. This is not a current rate offer.
Borrowing Power Calculator Australia
How much can I borrow?
Start with income, living costs, debts, and loan purpose. We run a stress-tested serviceability estimate, then unlock the result by email.
6% rate + 3% buffer30-year termPrivate page. No ad pixels.
What this tool does
- Turns gross income into an estimated net servicing position.
- Uses the higher of your declared costs or an illustrative living-expense floor.
- Outputs one clean indicative borrowing figure for a first pass.
Enter Your Numbers
One quick pass.
Only the inputs that move serviceability.
How It Works
What this borrowing power calculator includes.
Declared costs and planning floor
The calculator uses the higher of your entered monthly expenses or an illustrative household expense floor, not a licensed HEM figure or lender policy. Income uses 2026–27 resident tax brackets with a simplified 2% Medicare levy; tax offsets, levy exemptions and HELP repayments are not calculated.
Loan purpose still matters
Owner-occupier, investment, commercial, and SMSF files can diverge later once policy fit is checked.
FAQ
Borrowing Power Calculator FAQs
Short answers to the questions people ask before using a how much can I borrow calculator.
Is this borrowing power calculator exact?
No. It is a planning estimate. Lender policy, living-expense rules, credit profile, and document quality can all move the final number.
Does investment, commercial, or SMSF borrowing work the same way?
No. This calculator gives a first-pass estimate only. Investment, commercial, and SMSF files often change once rent, entity structure, or policy fit is reviewed.
Do I need to give my email to see the result?
No. Your estimate is calculated in your browser without submitting your income or contact details. You can choose to make an enquiry afterwards.