Affordability Calculator.
Find out how much personal loan you can comfortably afford based on your income and expenses
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.
Not sure how much personal loan you can afford? This calculator analyzes your financial situation to give you a realistic estimate of what you can comfortably borrow without overextending your budget.
Real-world scenarios
Young Professional in Sydney
Emma earns $6,000/month and spends $3,500 on living expenses with a $200 credit card minimum payment.
Inputs
With $2,300 disposable income, Emma can comfortably afford a $25,000-$30,000 personal loan over 5 years.
Family Planning a Renovation
The Smiths have $9,000 combined monthly income, $6,000 expenses, and an $800 car loan payment.
Inputs
With $2,200 monthly surplus, they should limit new borrowing to $35,000 to maintain financial cushion.