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Affordability Calculator

Want to know how much you can borrow? The easiest way to start this process is to understand your current budget and whether you have capacity to service a new loan. Enter all the details in the form below and the tool provides you a ratio of income to expenses. If you wanted to chat to us about your loan, click the button below.

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Income to Expenses calculator

Income

$
After-tax (net) Income from salary or wages not including superannuation
Government assistance, second job, rental income

Outgoings

$
If you board, the amount should be a minimum of $600 per month
$

Income to exepnses calcuation

%
This shows the percentage of income vs expenses total
Excellent capacity for new expense While you should pay off your debt as soon as possible, this debt to income ratio should allow you to live the lifestyle you want without major constraints.
Healthy capacity for new expense. You have surplus funds. Adding a loan to your expenses
Potential capacity for new expense. Adding a loan to this level of surplus may mean you may not have enough surplus funds in case of an emergency. Please speak to us directly on 1800 861 009 about your options.
Limited capacity for new expense. Such an expenses to income ratio indicates financial trouble. You should devote as much money and energy as possible to paying off debt or reducing expenses. You should contact us directly on 1800 861 009 to discuss your options.
No capacity for new expense. You are spending the eqivalent or more than you are earning. You should contact us directly on 1800 861 009 to discuss your options.

Our lending partners

Just a few of the leading lending partners that we match and compare

Our process

1. Get your quote

Get your personalized quote in minutes! Simply upload your supporting documents and sign our privacy agreement, and we’ll hit the ground running.

2. Submit for approval

Once you’ve submitted your application, our finance experts will meticulously review it and ensure the highest chance of approval before proceeding.

3. Approve

When approved, it’s time to celebrate! Our process doesn’t stop at approval – we’ll swiftly prepare your loan documents for signing, ensuring funds reach you, the dealership, or private seller within 24 hours.

4. Contracts & settle

Once we’ve secured your approval and received all the necessary documents, it’s go time! Our loan wizards will work their magic and prepare your spellbinding loan documents for signing. Before you can say abracadabra, we’ll whisk away the funds to you, the dealership, or even that elusive private seller within a mere 24 hours.

Our process

1. Get your quote

Get your personalized quote in minutes! Simply upload your supporting documents and sign our privacy agreement, and we'll hit the ground running.

2. Submit for approval

Once you've submitted your application, our finance experts will meticulously review it and ensure the highest chance of approval before proceeding.

3. Approve

When approved, it's time to celebrate! Our process doesn't stop at approval - we'll swiftly prepare your loan documents for signing, ensuring funds reach you, the dealership, or private seller within 24 hours.

4. Contracts & settle

Once we've secured your approval and received all the necessary documents, it's go time! Our loan wizards will work their magic and prepare your spellbinding loan documents for signing. Before you can say abracadabra, we'll whisk away the funds to you, the dealership, or even that elusive private seller within a mere 24 hours.

Get started now

income to expenses

Complete the form and one of our experts will be in touch sahortly to help you compare great car loans from some of the leading lenders in Australia.

Income to expenses

It is not just about the rate, we find and compare car finance options that best suit your needs including the term, fees and charges. Our aim is to fit your budget including allowing for the running costs of the car with flexible 1-7 year terms available.

We are there for you from the moment you enquire to after you pick up your new wheels. Our team makes it easy with our simple 3 step process to get you into your car sooner

Our initial chat is about understanding you and your situation. We will not apply for finance without your express permission, understanding and agreement. This is important. When you have bad credit your credit score needs to be protected.

We won’t apply for the finance if we do not believe it is suitable for you and your circumstances. Some people are desperate for finance and will take anything they are offered. This can lead to hardship and a worse credit score than when you started. We’re going to be really upfront with you and tell you how it is.

We won’t apply for the finance if we do not believe it is suitable for you and your circumstances. Some people are desperate for finance and will take anything they are offered. This can lead to hardship and a worse credit score than when you started. We’re going to be really upfront with you and tell you how it is.

We understand that things happen in life that can cause you to have a credit score that is low. We also understand that to get back on track with your credit that you need to be approved for finance. We help everyday Australians like you to get their credit scores headed in the right direction.