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Mortgage affordability calculator
How much home loan you can afford from your income, debts and deposit.
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About Mortgage affordability calculator
Estimates how much home loan you can afford from income, existing debts and your deposit. Lenders look at payment compared with income, often keeping total debt payments under roughly 36 to 43 percent of gross income. Remember tax, insurance and upkeep on top of the loan payment.
How to use Mortgage affordability calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
How much of my income should go to housing?
A common guideline is about 28 percent of gross income for housing and 36 percent for all debts, though lenders and budgets vary.
Is Mortgage affordability calculator free?
Yes. Mortgage affordability calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.