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Calculate maximum borrowing capacity under APRA serviceability rules. See how lenders assess income, existing debts, and a 3% buffer rate to determine your home loan limit.
Fill in the fields and click Calculate to see your results
Rates updated: 11/9/2025
Source: Central Bank Average Rates
The Serviceability - AU helps you make informed financial decisions in AU. This calculator provides accurate calculations based on current rates and regulations in AU. Whether you're planning your finances, comparing options, or making investment decisions, this tool gives you the insights you need. Simply enter your details and get instant, detailed results with clear explanations.
Using this calculator is simple: 1. Enter your information in the 4 input fields below 2. The calculator will validate your inputs in real-time 3. Click "Calculate" to see your results 4. Review the detailed breakdown of calculations 5. Adjust any values to see how they affect your results All calculations are performed instantly and your data is never stored or shared.
Our calculator uses the latest rates and formulas in AU to provide highly accurate results. However, results are for informational purposes only and should not be considered financial advice.
Yes, this calculator is completely free to use with no registration required. You can use it as many times as you need.
No, all calculations are performed in your browser. We do not store, save, or transmit any of your personal financial information.
Yes, this calculator is fully responsive and works on all devices including smartphones, tablets, and desktop computers.
We regularly update rates and formulas in AU to ensure accuracy. Rates are reviewed and updated quarterly or when significant changes occur.
Each field has helpful tooltips and explanations. If you need further assistance, please refer to the "How to Use" section above or contact our support team.
A typical scenario using default values
{
"property_value": 600000,
"deposit": 120000,
"interest_rate": 5.5,
"loan_term": 30
}