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Borrowing capacity calculator

Estimate how much you can borrow from your income (35% debt ratio).

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Enter Net monthly income, Existing monthly debts, Annual rate (%), Duration (years) and the Borrowing capacity calculator works out Max monthly payment, Borrowing capacity straight away. For instance, with Net monthly income = $3,000.00, Existing monthly debts = $200.00, Annual rate (%) = 3.5 and Duration (years) = 20 it returns Max monthly payment = $850.00 and Borrowing capacity = $146,561.90.

How to use it

  1. Enter your values: Net monthly income, Existing monthly debts, Annual rate (%), Duration (years).
  2. Read the result instantly: Max monthly payment, Borrowing capacity.

Frequently asked questions

What does the Borrowing capacity calculator actually compute?

It takes Net monthly income, Existing monthly debts, Annual rate (%) and Duration (years) and derives Max monthly payment and Borrowing capacity from them. The calculation is live as you type, so the result updates on every change.

What information do I need to provide?

4 values: Net monthly income ($), Existing monthly debts ($), Annual rate (%) and Duration (years). Nothing else is required — no account, no file upload.

Can you show a worked example?

With Net monthly income = $3,000.00, Existing monthly debts = $200.00, Annual rate (%) = 3.5 and Duration (years) = 20, the calculator returns Max monthly payment = $850.00 and Borrowing capacity = $146,561.90. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

What happens if I enter larger values?

It moves a lot. Using Net monthly income = $6,000.00, Existing monthly debts = $400.00, Annual rate (%) = 3.85 and Duration (years) = 40 instead, Max monthly payment goes from $850.00 to $1,700.00 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Net monthly income = $1,500.00, Existing monthly debts = $100.00, Annual rate (%) = 3.15 and Duration (years) = 10, Max monthly payment comes out at $425.00. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Before signing: checking whether the instalment fits the budget, comparing two offers at different rates and terms, and seeing what a shorter term really costs each month.

What is the most common mistake?

Comparing monthly instalments instead of total interest. A longer term always looks cheaper each month and costs more overall — the two figures move in opposite directions.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the Borrowing capacity calculator and the Crypto lending / borrowing calculator?

This one returns Max monthly payment and Borrowing capacity; the Crypto lending / borrowing calculator returns Current LTV and Health factor. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Boat loan calculator is the closest one after this: Estimate the monthly payment on a boat loan from the purchase price, down payment, trade-in, sales tax and APR. It works out the amount financed, the monthly payment, the total interest over the term and the total cost, so you can size a marine loan before you sign.

Further reading

All guides →
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