🏠Loan Affordability Calculator

Borrowing capacity calculator — how much can I borrow?

Our free borrowing capacity calculator will estimate in seconds the maximum monthly instalment and maximum mortgage amount you can expect. Enter your household's monthly net income, fixed expenses and instalments on other liabilities, the interest rate and the loan term, and the tool will instantly calculate the available instalment and an indicative loan amount. Use the DSTI slider to set what percentage of your income can go towards debt repayment — this is the key parameter when answering the question of how much you can borrow.

This is an estimate — banks calculate differently

The result of this calculator is indicative. The bank will calculate your borrowing capacity individually and far more precisely: it will check your credit history from credit registries, the type and stability of your employment, add a safety buffer (testing the instalment at a higher interest rate), and take into account the number of people in the household, living costs, credit card limits and existing loans. Therefore, treat the maximum instalment and loan amount as a starting point for discussions with an adviser, not as a bank commitment.

Frequently asked questions

How much can I borrow on a given income?

It depends on many factors, but here is the logic in your own currency: take your monthly net income, apply the DSTI ratio (say 50%) to find the maximum amount you can put towards debt, then subtract the instalments on existing liabilities — what remains is the instalment available for a new loan. For example, with a 50% DSTI and fixed liabilities equal to a quarter of your income, roughly a quarter of your income is left for the new instalment; at an interest rate of 8% over 25 years that instalment supports a loan of about 30 times its monthly value. Changes in the loan term, interest rate or liabilities level can significantly shift this result, so treat it as an estimate only.

What is the DSTI ratio and which value should I use?

DSTI (Debt Service to Income) is the share of all loan instalments in monthly net income. As a common rule of thumb, financial regulators and lenders suggest the total instalments should not exceed roughly 40% of income for lower earners and around 50% for higher earners, though the exact thresholds vary by country and bank. Banks apply their own policies — in the calculator you can set the value with the slider and see how it affects the maximum instalment and loan amount.

Is my result binding on the bank?

No. The calculator estimates borrowing capacity in a simplified way — based on the income, liabilities, interest rate and term you enter. The bank will additionally take into account — among other things — your credit history from credit registries, employment contract type, number of people in the household, and a safety buffer that tests the instalment at a higher interest rate. The actual credit decision may therefore differ significantly from this estimate.