How Much Can I Borrow Calculator

This calculator shows two numbers side by side: what lenders are likely to approve based on income multiples, and what might genuinely feel workable based on your comfort level. Most buyers focus only on the first number. The second one is often more useful for long-term decision-making.

Lender estimates vs comfort-based borrowing

Lenders assess whether you can technically make payments, not whether you will be comfortable doing so.

Comfort levels and income percentages

Rough guidance on what portion of gross monthly income tends to feel cautious, balanced, or stretched.

Factors that quietly shift the equation

Childcare, variable income, single incomes, and high commuting costs all change where comfort sits.