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Loan affordability calculator

Test a loan payment against the monthly surplus you have.

Illustrative result

The payment fits inside the surplus

Affordable here means the calculated payment is within the surplus you entered. It is not a lender's decision.

Should I leave a buffer?

The result uses the whole surplus. Money left after the payment is shown so you can see the buffer.

The result stays in your browser. Create an Aldoraun account if you want to keep a budget, accounts and a cashflow forecast.

Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.