Borrowing Capacity Calculator

This borrowing capacity calculator will allow you to estimate the amount that you likely will be able to borrow from a lending institute. This calculator also shows how much you could borrow with a slightly larger payment per period. When estimating how much you can afford to pay we recommend being slightly conservative with the amount that you use just to take into account the need for emergency funds.

If you are looking for help with your taxation needs we recommend the team at Glenfield Tax Accountants who are Accountants that see beyond the balance sheet. They're available at their website at or by calling 09-443 7741.

How much is your deposit?


Interest rate (in percent; i.e. 4.5)


What is your preferred loan term?


How much could you afford to comfortably pay?

Paying $0 per week you could borrow

Paying an extra 5% per week you could borrow

Paying an extra 10% per week you could borrow

Paying an extra 15% per week you could borrow

Copyright © 2019 All Rights Reserved. All calculators and tools on this website are made for educational and indicative use only. is part of the GST Calculator, PAYE Calculator and CGT Calculator group.