What can you comfortably afford?
You’ve saved the deposit. Enter your pay, bills and savings to see the price range you can buy at and still live well, with room for interest rate rises.
Your numbers
Example figures for a graduate couple. Replace them with your own.
At the comfortable price
| Purchase price | |
| Deposit | |
| Stamp duty | |
| Legals, reports and fees | |
| Loan amount |
Monthly budget after you buy
At the comfortable price
| Today | After rise | |
|---|---|---|
| Take-home pay | ||
| Child support received | ||
| Loan repayments | ||
| Home running costs | ||
| Living costs | ||
| CarsRego, insurance, fuel, tolls, servicing | ||
| ChildrenChild support paid, child care, other | ||
| Spending money | ||
| Left over |
Test a specific property
Enter an asking or sold price to check it against your budget
| Cash needed | |
| Repayments today | |
| Left over today | |
| Left over after rate rise | |
| Verdict |
Estimates only, not financial advice. Take-home pay uses 2026–27 resident tax rates, the low income tax offset, the 2% Medicare levy and HECS-HELP repayment rates, and, when ticked, health worker salary packaging at the public hospital caps ($9,010 living expenses and $2,650 meal entertainment per FBT year), with packaged living expenses added to HELP repayment income. Packaging admin fees are left out, and lenders treat packaged income differently. Banks assess borrowing with their own living-cost benchmarks and usually test repayments at about 3% above the actual rate, so the amount a bank will lend can differ from these figures. Stamp duty uses Revenue NSW general rates for 2026–27 and the First Home Buyers Assistance Scheme formula for homes. Eligibility rules apply. Confirm with a mortgage broker and the Revenue NSW calculator before you act.
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