Mortgage-to-income ratio calculator

Mortgage-to-income ratio 30.4% Tight

Monthly payment: €758.89

Lenders typically recommend that the payment not exceed 30-35% of your net income. Above that, risk goes up and approval odds go down. Not financial advice.

This mortgage-to-income ratio calculator works out what percentage of your net income the monthly mortgage payment would take, and flags whether it’s in a healthy range.

The 30-35% rule

A payment above 30-35% of your net income leaves little room for the unexpected and makes approval harder to get. This tool calculates the payment and your ratio at a glance.

For guidance only, fixed rate, no insurance included — not financial advice.

FAQ

What is the mortgage-to-income ratio?

It's the percentage of your net income that goes toward the mortgage payment. Lenders generally recommend keeping it under 30-35%.

Why does it matter for getting approved?

Lenders use it as a key risk measure. A high ratio makes them more likely to reject the application or ask for extra guarantees.

Does it include insurance or other loan costs?

No, this is an estimate based on principal, rate and term only, at a fixed rate — it doesn't include insurance, fees or a variable-rate scenario.