Borrowing power calculator
Indicative starting-point estimate only. This calculator uses the income, expenses and loan assumptions you enter. It does not apply the full postcode, household expense, rental income or credit policies of a lender. Actual borrowing capacity may differ. This is not loan approval or pre-approval.
Includes HELP, VET Student Loans and other study and training loans. The compulsory repayment comes out of this applicant's pay.
The repayment is never more than the balance. Leave it blank if the balance is more than a year's repayment.
Includes HELP, VET Student Loans and other study and training loans. The compulsory repayment comes out of this applicant's pay.
The repayment is never more than the balance. Leave it blank if the balance is more than a year's repayment.
An HtAG assumption, not a lender's figure. Change it if your lender uses another.
Include car and personal loans, ongoing rent or board after the purchase, and child support. Exclude mortgages and credit cards entered separately. Count each cost once.
Your household's monthly living costs, including dependants. Exclude mortgages, credit cards and other monthly commitments entered separately.
Lender benchmarks can depend on income, dependants and location. HtAG does not calculate HEM; enter a current figure from your broker. Leave blank to use your declared living costs without a lender benchmark.
Rental assumptions (optional)
This calculator needs JavaScript. The rates it uses are in the table below.
How it's calculated
Resident income tax rates 2026-27
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $18,200 | $0 | 0% of the excess |
| $18,200 | $45,000 | $0 | 15% of the excess |
| $45,000 | $135,000 | $4,020 | 30% of the excess |
| $135,000 | $190,000 | $31,020 | 37% of the excess |
| $190,000 | and over | $51,370 | 45% of the excess |