Australian housing affordability calculator

How much can I afford?

Estimate a comfortable monthly housing budget based on your take-home income, existing debts and everyday living costs.

Your household finances

Enter your combined pre-tax household income.
Car loans, personal loans, credit-card repayments and similar debts.
Groceries, utilities, transport, insurance, health, entertainment and other regular spending — excluding housing.
Optional. Used to estimate a potential purchase price.
This is an affordability estimate, not a lender assessment. It uses conservative household-budget assumptions and does not account for every lender's serviceability rules, interest-rate buffers, stamp duty, LMI or individual circumstances.

Your estimated housing affordability

Comfortable monthly housing budget
$0
Estimated monthly take-home
$0
Annual take-home
$0
Housing as % of take-home
0%
Indicative mortgage
$0
Indicative purchase price
$0
Housing0%
Living expenses0%
Debt repayments0%
The housing estimate aims for housing costs of about 30% of take-home income, then checks that debts and living expenses leave a reasonable buffer. For a mortgage, the indicative loan assumes a 6.0% interest rate over 30 years and is intended only as a planning estimate.

How your monthly take-home pay could be allocated

CategoryMonthly amount
Housing budget$0
Living expenses$0
Debt repayments$0
Remaining buffer / savings$0