Loan Affordability Calculator

Estimate the maximum loan amount you may be able to borrow based on your annual income, current debt obligations, and target debt-to-income (DTI) ratio.

Annual Gross Income (Before Taxes)

Existing Monthly Debt Payments

Includes car loans, student loans, credit card minimums, etc.

Target DTI Limit (%)

36% is a common benchmark for financial health.

Interest Rate (APR %)

Loan Term (Years)

Include Taxes/Insurance in Calculation?

Monthly Taxes & Insurance

Estimated Affordable Loan

Estimated Monthly Payment $0

Max Total Debt Allowed $0

Remaining Capacity $0

Fill in your details to see how much you can afford.

Related Calculators

DTI Calculator

Calculate your current debt-to-income ratio in detail.

Loan Payment Calculator

Work the other way: input a loan amount to see the monthly payment.

Amortization Schedule

See exactly how much interest you'll pay over the life of your loan.