Calculators
Budget planner
Use this calculator to explore an indicative scenario before speaking with a broker.
01Income
02Spending
Monthly surplus
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Monthly income—
Monthly spending—
Card limit at 3.8%—
Assumptions
Surplus uses the repayments you enter, not the card-limit assessment.A lender assesses card limits at 3.8% of the limit a month, even if you pay less.Where a loan is involved, a lender still tests repayments at the interest rate plus the 3% serviceability buffer.
The calculations do not take into account all fees and charges. Results are estimates only and should not be relied on to make a loan decision. Interest rates and other costs can change. Calculator results are not an offer of credit or a pre-approval. Discuss your individual situation with a qualified Australian Credit Licensee or authorised Credit Representative.
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