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Borrowing Power Calculator Australia 2025

Estimate how much you can borrow for a home loan using APRA's 3% serviceability buffer and HEM living expense benchmarks. Input your income, existing debts, credit card limits and dependants for a realistic maximum borrowing estimate.

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Borrowing Power Calculator

3% APRA buffer · HEM benchmark

ℹ️Stress-tested at a 3% buffer above your rate per APRA guidelines. Based on HEM living expense benchmarks.
Income
$
$
$

Rental, dividends, etc.

Commitments
$

Car, personal loans

$

Not balance — limit

0
08
Loan
%
yrs

About this calculator

Estimate how much you can borrow for a home loan using APRA's 3% serviceability buffer and HEM living expense benchmarks. Input your income, existing debts, credit card limits and dependants for a realistic maximum borrowing estimate. Results are estimates only and should not be taken as financial, tax, or legal advice. Figures are based on current published rates for FY 2025–26 and may not reflect your individual circumstances. Always consult a qualified professional for personalised advice.

🪃Acknowledgement of Country — AusHelp acknowledges Traditional Custodians of Country throughout Australia and pays respect to Elders past, present and emerging.