Budget & Affordability calculator

Looking to find out exactly how much you can borrow without breaking the bank? Our free Budget Calculator gives you a clear view of your finances. Enter your income and expenses and see in seconds what’s left in your budget. The same way lenders do when deciding if you can afford a loan.

           Budget Calculator – Know Where You Stand

Before you apply for any loan, it pays to know your numbers. Our Budget Calculator is a quick, simple way to see if you’ve got room in your finances for new borrowing or if it’s time to tighten things up.

Enter your monthly income and outgoings and we’ll work out your disposable income. That’s the amount left once all the essentials are covered. That’s also the figure most lenders use when checking affordability, so it’s worth knowing it before you hit “apply”.

We’ve kept it straightforward. In seconds, you’ll see whether a loan is realistic right now or if you need to make a few changes first. If the result’s lower than you hoped, small tweaks like cutting back on extras, switching suppliers, or paying down smaller debts, can quickly improve your position.

Want more help making your budget work harder? Check out The Ultimate Guide to Budgeting for step-by-step tips and don’t miss The Hidden Costs of Everyday Life to see where money might be slipping away without you noticing.

Think of the Budget Calculator as your financial friend. It’s not there to limit you, it’s there to make sure you can borrow with confidence, knowing exactly what you can afford.