I want to calculate
Income, expenses, buffer rate, and lender-style range.
Calculator
Borrowing Capacity Calculator
Estimate a borrowing range using income, expenses, debts, and an assessment-rate buffer.
Income and commitments
Assessment settings
Estimated range
$323,931 - $377,919
Central estimate
$359,923
Monthly surplus used
$2,961
Monthly commitments
$4,890
Estimated net monthly income
$7,851
What this means
- The model allocates $4,890 per month to expenses, existing debts, credit-card assessment, and dependant allowance before sizing a loan.
- The surplus used for serviceability is about 38% of estimated net monthly income.
- Lenders may assess income, buffers, living expenses, and liabilities differently, so treat this as a planning range.
Rate sensitivity
Monthly serviceability breakdown
Sources checked 4 Jul 2026. Results update as you edit the inputs.
Assumptions and sources›
These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice.
- This estimate uses simplified tax, living-expense, and debt assumptions. Lenders use their own serviceability models.
- Assessment rate used in this scenario: 9.25%.
- APRA loan serviceability expectations
Checked 4 Jul 2026 · Source updated 6 Oct 2021
Borrowing capacity is estimated using an assessment-rate buffer and is not lender policy.
- ASIC MoneySmart mortgage calculator
Checked 4 Jul 2026
Repayment calculations use standard amortisation and assume rates remain unchanged for the scenario.
Review the estimate
Use the calculator output as a starting point for a document review.
RAY Accounting Group can help organize the records behind income, expenses, loans, and property decisions.