Borrowing Power Calculator.
Calculate how much you can borrow with AI insights on lender policies
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Your borrowing power determines the maximum loan amount lenders will approve. It's based on your income, expenses, and existing debts. Our calculator uses APRA serviceability standards and provides AI insights on how different lenders might assess your application.
Real-world scenarios
Single First Home Buyer
Taylor earns $85,000, has $2,500 monthly expenses, no dependants, and a $5,000 credit card limit.
Inputs
Estimated borrowing power: ~$358,000 (assessed at the current average variable rate plus the 3% APRA buffer). Closing the unused credit card could add ~$30,000 to this figure.
Couple with Dependants
Chris and Sam have combined income of $180,000, $4,500 expenses, 2 kids, and a $500/month car loan.
Inputs
Estimated borrowing power: ~$659,000. Extra dependants only bite once your declared expenses fall below the HEM benchmark for that household size - until then, they don't change the number.