Debt-to-income capacity calculator

This debt-to-income capacity calculator estimates the maximum monthly payment you could reasonably take on, and the loan or mortgage amount that payment would support, based on your income, existing debts and a target debt-to-income ratio.

How much debt you can take on

Before applying for a mortgage or loan, it helps to know what you can actually afford to pay each month. The 35% rule caps your debt payments at a share of your net income; from that limit, this tool works out your maximum monthly payment and the loan size it supports over your chosen term and interest rate.

Example

With €2,000 in net monthly income, no existing debts, a 35% ratio, a 25-year term and a 3% annual rate, the maximum recommended payment is about €700/month, supporting a loan of roughly €147,600. Raise your existing debts and the maximum payment — and loan size — drop accordingly.

For guidance only — not financial advice.

FAQ

How much debt can I safely take on?

A common rule of thumb is that your total monthly debt payments (mortgage, car loan, other loans) shouldn't exceed 30-35% of your net income. Above that, the risk of missed payments rises and lenders often decline the application.

What counts as a debt payment?

All your recurring loan payments: mortgage, car loan, personal loans, financed purchases, and similar. The more you already pay, the less room you have for new debt.

Does this replace a lender's affordability check?

No. Each lender applies its own criteria, income verification and stress tests. This calculator gives a quick estimate to plan around, not a loan approval.