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Loan calculator
Estimate an affordable loan amount from income, existing debt, a target debt-service ratio, rate, and term.
Choose how much of income can service debt, subtract existing monthly payments, and estimate the principal that fits the remaining budget.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Maximum loan principal
Supporting value: Available new-loan monthly payment
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
Shares only the calculator name and displayed result summary. Inputs and URLs are not included or stored.
Uses your browser’s print feature without uploading or automatically saving your inputs or results.
A planning estimate assuming level principal-and-interest payments and the ratio entered.
Calculate to see the estimated loan amount and monthly payment budget.
The calculator subtracts existing debt from an income-based monthly debt budget, then converts the remainder into an amortizing principal.
It is your planning limit for annual principal and interest payments across all debts as a share of annual income.
Enter combined principal and interest currently paid each month, such as personal loans or auto financing.
Existing monthly debt already meets or exceeds the total income-based debt budget.