Borrowing Power Calculator
Create an indicative borrowing range using household income, living costs and current debts.
An estimate is the beginning.
Change the inputs, compare the result and download a branded report—then verify important decisions against actual lender policy and your complete circumstances.
Borrowing power guide
Create a broad indicative range. A lender assessment applies more detailed policy and interest-rate buffers.
Download this calculation as a PDF.
The report includes the figures currently shown, Rockvale Finance contact details, the calculation assumptions and an important disclaimer.
Results are estimates only and do not constitute credit, financial, tax or legal advice. They exclude some fees and may use simplified assumptions. Actual repayments, borrowing capacity, tax, costs and eligibility depend on lender or government rules and your complete circumstances.
Turn the estimate into a better question.
Borrowing power is a lender assessment, not a simple income multiple. The calculator provides a deliberately broad starting range only.
- 01Add gross household income
- 02Include realistic living expenses
- 03Enter existing debt balances
- 04Include financially dependent family members
Important considerations.
- Credit-card limits can affect capacity even when unused
- Each lender uses its own expense and income rules
- Rental, overtime, bonus and business income may be shaded
- Assessment-rate buffers can materially reduce capacity
Why is a lender result different from this calculator?+
Lenders apply detailed policy, verified expenses, income treatment, loan limits and an interest-rate buffer that a simple public calculator cannot reproduce.
Does a pre-approval confirm my maximum purchase price?+
No. Pre-approval is commonly conditional and the property, updated position and final lender checks still matter.