Affordability Calculator
An affordability calculator shows how much of your monthly income goes to housing and other credit commitments. Enter your gross monthly income and outgoings to see your debt-to-income ratio and a general guide to how lenders may view it.
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Enter your numbers and press Calculate. Nothing you type leaves your browser.
How this calculator works
Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use it, alongside other checks, to judge whether you can take on another repayment.
DTI = (housing costs + other credit commitments) / gross monthly income * 100.
- Housing-to-income: housing costs / income * 100.
- Debt-to-income: all debt payments / income * 100.
Gross income is income before tax and other deductions. If income is zero the ratio is undefined, so the calculator returns no value.
UK lenders run their own affordability checks and there is no single DTI limit that decides an application. Use this as a planning guide only.