Borrowing Power Calculator
See roughly how much you could borrow based on your income and expenses, then get your real borrowing power from a broker.
How much can you borrow?
Enter your income and outgoings to see an indicative borrowing estimate, then get your real, lender-checked borrowing power from a broker who compares a panel of 30+ lenders.
Borrowing Power Calculator
A guide only, then get your real borrowing power.
Estimated borrowing power
$0
A guide only. Give us a few quick details and we will confirm your real borrowing power.
A finance specialist will confirm what you can borrow.
Indicative estimate only, not an offer of finance or an assessment of your borrowing capacity. It uses simplified assumptions (including a buffer on the interest rate) and excludes fees, deposits, dependants and full lender criteria. Your actual borrowing power depends on a full lender assessment. Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, lending criteria, terms, conditions and fees.
How borrowing power is estimated
This calculator takes your net monthly income, subtracts your living expenses and any existing loan or card repayments, and works out how much of the surplus could service a new loan over your chosen term. To stay realistic it applies a buffer to the interest rate, similar to how lenders stress-test your repayments.
It is a guide only. A lender looks at far more, including your full income mix, dependants, credit history, the asset and deposit, so treat this as a starting point, not a promise.
What affects how much you can borrow
Higher income and a bigger surplus lift your borrowing power; high expenses, existing debts, credit cards (lenders count the limit, not the balance) and a short term reduce it. A deposit, trade-in or guarantor can help, and a clean credit file means sharper rates. Because we compare a panel of 30+ lenders, including low-doc and ABN-friendly options, we can match you to the lender most likely to say yes.
From estimate to real number
Tap Check my borrowing power, leave a few details, and a finance specialist will confirm what you can actually borrow, usually with no obligation and minimal paperwork.
Borrowing power FAQs
How accurate is the borrowing power calculator?
It is an indicative guide based only on the figures you enter and simplified assumptions. Your real borrowing power depends on a full lender assessment of your income, expenses, debts, credit history and the asset.
Does using the calculator affect my credit score?
No. It runs entirely in your browser and does not check your credit or lodge anything. A credit check only happens later, with your consent, when you formally apply.
Can I borrow more with a deposit or guarantor?
Often yes. A deposit or trade-in reduces the amount you need to finance, and a guarantor or extra security can lift your borrowing power. Lowering existing debts (including credit-card limits) also helps.