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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.
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.