Just Right Lending

Borrowing calculator

Get a rough idea, then let's talk

This gives you a ballpark figure based on the numbers you enter. It isn't a loan pre-approval and it isn't personal advice. Every lender assesses income, expenses and debts a little differently, which is exactly why the real number comes from a proper conversation, not a calculator.

Take-home pay, after tax, combined if there's more than one applicant.

Groceries, bills, insurance, transport, everything ongoing.

Car loans, personal loans, credit card minimums, HECS/HELP.

Most home loans run 25–30 years.

Lenders test your ability to repay at a higher "assessment rate" than the rate you'd actually pay, usually a few percentage points above current rates. 8.5% is a reasonable illustrative default, but adjust it if you'd like to test a different scenario.

Indicative borrowing power

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This is a rough estimate, not a number to rely on.

It doesn't check your credit history, verify your income, or account for a specific lender's actual policy, all of which affect the real number. It's here to give you a sense of scale before we talk, not to replace the conversation. Nothing you enter here is saved or sent anywhere, it's calculated in your browser only.

Talk through the real numbers