Calculator · Affordability
Payment-to-income calculator
Calculate planned mortgage payments and existing monthly debts as shares of monthly income.
Total income, all earners combined
Other loans, cards
Payment-to-incomeManageable
38%
A reasonable share of your income.
- Total debt-to-income
- 44.0%
Indicative. Each bank applies its own criteria.
Payment to income38% of income — Manageable
This gauge shows the planned mortgage payment as a share of entered monthly income. It is arithmetic, not an approval assessment.
Indicative. Each bank applies its own criteria.
Indicative guidance only. Banks apply their own affordability criteria when they review your application.