Compare user-entered front-end and back-end limits without presenting the estimate as qualification or a recommendation.
Calculate with the Mortgage Affordability Calculator
Enter the details below. Required values are validated before results are shown.
Mortgage Affordability Calculator results
How to use the Mortgage Affordability Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
Editable 28% and 36% entries are examples only, not universal lender limits.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Frequently asked questions
Does this affordability estimate mean I qualify?
Recurring ownership costs are removed before converting the available principal-and-interest payment to a mortgage principal. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the Mortgage Affordability Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the Mortgage Affordability Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.