Borrowing Capacity Calculator
Find how much you can borrow
How to Use
Enter your monthly income, monthly expenses, and desired loan term. Click Calculate.
Frequently Asked Questions
How is borrowing capacity calculated?
Lenders typically allow a debt-to-income ratio of 33-35%, meaning your total monthly debt payments should not exceed that.
What is the debt-to-income ratio?
It's the percentage of your monthly income that goes to debt payments. Most lenders cap it at 33-35%.