Mortgage Affordability Calculator
Work out how much house you can afford from your income, debts, deposit and interest rate — free online. — free, fast and private.
How to use Mortgage Affordability Calculator
- Enter your annual income and monthly debt payments.
- Enter your deposit, interest rate and loan term.
- Click Calculate Affordability to see your maximum home price.
Note: this tool runs in your browser. Nothing is uploaded.
Disclaimer: this tool gives an estimate for general information only. It is not financial advice. Talk to a qualified financial adviser before making any financial decision.
Frequently Asked Questions
What is the 28/36 rule for mortgages?
Lenders often suggest spending no more than 28% of gross monthly income on housing, and no more than 36% on all debts combined including the mortgage. This calculator applies both limits and uses the lower one.
Is this tool free to use?
Yes, it is 100% free with no sign-up. Your data stays in your browser.
Is my data uploaded or stored?
No. This tool runs entirely in your browser — nothing you enter is uploaded to a server.
Can I use it on my phone?
Yes, it is fully mobile-friendly and works in any modern browser on phone, tablet or computer.