Printable Borrowing Power Calculator
A free printable borrowing power calculator — enter your income, living expenses, existing debts, deposit, interest rate and loan term to estimate how much you can borrow and the property price you can afford. See a graph of how your borrowing power changes with the interest rate, plus a rate-sensitivity table. Print or save as a PDF.
This borrowing power calculator answers the question every buyer starts with: 'how much can I actually borrow?'. Instead of working out the repayment on a loan you already have, it works backwards — it looks at what you earn, what you spend and what you already owe, then estimates the largest loan a lender is likely to let you service. Add your deposit and it also shows the property price that loan puts within reach. Enter your household's gross income (as a single or a couple), your monthly living expenses, any existing debt repayments and credit-card limits, plus your deposit, the interest rate, an assessment buffer and the loan term.
Lenders don't just divide your income by the repayment. They estimate your income after tax, subtract realistic living costs (they apply a household minimum even if you spend less), subtract your existing commitments — including a slice of your total credit-card limits whether or not you use them — and only let a share of what's left go toward the new loan. Crucially they test the repayment at your rate plus a safety buffer (regulators commonly use three percent) so you can still cope if rates rise. This tool follows that same shape, so the number it gives is closer to what a lender will say than a naive income multiple.
The graph plots your maximum loan against the interest rate so you can see how quickly borrowing power falls as rates climb — a one-percent move can shift it by tens of thousands. Your current rate is marked on the curve. The rate-sensitivity table lists the assessed repayment, maximum loan and affordable property price at rates above and below yours, which is handy when you're comparing lenders or bracing for the next rate decision. Adjust the buffer or the repayment-to-income share to match a particular lender's policy.
Estimate only. This uses a simplified serviceability model and a generic income-tax approximation, and does not know your real tax position, your specific lender's living-cost tables, loan-to-value limits, lenders mortgage insurance, or your credit history. It is general information, not a loan offer or financial advice. Always confirm what you can borrow with a lender or a licensed mortgage broker before making decisions.
Printing at exact scale
Every sheet is drawn in real millimetres and prints at exact physical scale. For accurate output, set Scale = 100% (Actual size) and Margins = None in your browser's print dialog. Not sure your printer is honest? Run the printer ruler test first to confirm 50 mm really measures 50 mm. Prefer a file? Use the PDF, PNG or SVG buttons to download the sheet instead of printing — PDF and SVG keep the exact dimensions, and PNG is a 300 DPI image.
Frequently asked questions
How much can I borrow?
Enter your household income, monthly living expenses, existing debt repayments and credit-card limits, your deposit, the interest rate, a buffer and the loan term. The calculator estimates your after-tax income, subtracts living costs and commitments, works out how much of the remainder a lender will allow toward a loan, and converts that assessed repayment into a maximum loan over your chosen term.
Why does it test a higher 'assessed' rate?
Lenders check that you could still afford repayments if interest rates rose, so they add a buffer to the actual rate when assessing serviceability — regulators commonly require around three percent. That's why the assessed repayment in the results is based on your rate plus the buffer, not the headline rate. You can change the buffer to match a specific lender.
Do my expenses and existing debts really matter that much?
Yes. Every dollar of regular expense or existing repayment reduces the surplus available for a new loan. Lenders also count roughly 3.8% of your total credit-card limits as a monthly commitment even if the cards are paid off, and they apply a minimum living-cost figure for your household size, so unusually low expenses won't inflate the result.
How does the deposit affect the property price?
Your borrowing power is the loan amount only. The affordable property price shown is that loan plus your deposit. A bigger deposit raises the price you can afford dollar-for-dollar and may also help you avoid lenders mortgage insurance, which this simplified tool doesn't model.
What does the graph show?
It plots your maximum loan against the interest rate across a band around your current rate, with your rate marked. It makes the sensitivity obvious — borrowing power drops as rates rise — and the accompanying table lists the assessed repayment, max loan and affordable price at each rate step.
Is this financial advice?
No. It's a general education estimate using a simplified model and a generic tax approximation. It is not a loan pre-approval or financial advice. A lender or licensed mortgage broker will use your full circumstances and their own policies to tell you what you can actually borrow.
Is it really free?
Yes. Every template on printsheet.io is completely free, with no sign-up, no account and no watermark. Generate as many sheets as you like.
How do I get an exact-scale print?
Choose your paper size, then in the print dialog set Scale to 100% or “Actual size” and Margins to None. The sheet is defined in real millimetres, so it prints at true size. Use the calibration ruler page to verify.
Which paper sizes are supported?
A4, A5, A3, A6, US Letter, Legal and Tabloid, in portrait or landscape. Pick the size that matches the paper loaded in your printer.
Can I save it as a PDF instead of printing?
Yes — choose “Save as PDF” as the printer in your browser's print dialog. The PDF keeps the exact millimetre dimensions.
Can I download it as an image (PNG or SVG)?
Yes — as well as Print and PDF, every sheet has a PNG and an SVG download button. PNG gives you a high-resolution (300 DPI) image at the exact page size, ideal for pasting into a document or sharing. SVG is a scalable vector file that stays razor-sharp at any size and can be edited in tools like Inkscape or Illustrator. Both are generated in your browser from the sheet you see on screen.