How much income can I devote to repayments?

You can use the calculator below to determine what maximum amount you can spend each month repaying a home loan. The calculator checks your income and your spending. However, depending on your circumstances lenders may not let you make repayments this large. Only your chosen lender can set a definite repayment. As well as checking you can make the required repayments, you should also check that you can:

  • Continue repayments if interest rates rise, say, 2 per cent from today's level.
  • Contribute a downpayment (money from your own pocket) worth at least 10 per cent of the property's value.
  • Provide cash for fees such as stamp duty and conveyancing.

Please don't use commas, spaces or other non-numerical text in this calculator.

Monthly Income
(you must fill this in first)

Your net monthly income (gross salary and wages less tax)

 

Your spouse's net monthly income (gross less tax)

 

Net monthly income from savings account/term deposit etc

 

Net monthly income from investments/shares

 

Other monthly income

 

Total monthly income

 


Monthly Expenditure

Household Essentials

 

 

Medical

 

Food

 

Doctor

Clothing

 

Dentist

Rent

 

Physio

Electricity

 

Chemist

Phone

 

Insurance Policies

 

Gas

 

Home and Contents

Other household expenses

 

Medical

 

 

 

Life

Debts

 

 

Personal

 

Credit card monthly repayments

 

Barber, beauty salon

Hire purchase/rental repayments

 

Other costs

 

Personal loan repayments

 

Entertainment
(eg theatre, restaurants)

Other monthly debt repayments

 

Children's school fees/childcare costs

Transport

 

 

Leisure activities
(eg sporting entry fees)

Public transport

 

Other

Car loan or lease payments

 

 

 

Subscription and memberships

 

 

 

Petrol

 

 

 

Registration & repairs

 

 

 

Car insurance

 

 

 

 

 

 

 

 

Total income per month

Total Monthly Expenditure

Equals the maximum you can afford to repay each month