Add current commitments
Enter net monthly income and the payments you already make.
Free preliminary estimate
See how a new loan may fit your monthly budget
Enter approximate numbers and get a transparent estimate of the new monthly payment, total credit burden and remaining income.
We do not ask for your name, phone, email, passport, card or login details.
Free to use
Takes 2–3 minutes
Not a loan application
No personal details
Your approximate numbers
Use net monthly income and monthly loan payments. Rounded figures are enough for an initial estimate.
How this estimate works
The calculator separates the monthly payment math from payment-history signals so the result is easier to understand.
Model the new loan
We calculate an estimated annuity payment from amount, term and annual rate.
Read the signals
We compare the total burden with planning ranges and show the effect of overdue payments.
Privacy by design
No registration or personal identifiers are required. The result is calculated on this page, is not sent to a bank and does not query a credit bureau.
The approximate financial figures are stored in a restricted service database to operate and improve this calculator. Do not enter account numbers, passwords, card details or other secrets.
Methodology and sources
The model uses a payment-to-income approach commonly called PDN, DSTI or OTI. It is adapted for an educational estimate and does not reproduce any lender’s internal underwriting model.
Important: Use this page for planning only. It is not financial advice, a credit report, a credit score or a pre-approval.
Frequently asked questions
Is this an official credit score?
No. It is a preliminary affordability estimate, not an official score and not a lender decision.
Will this tell me whether a bank will approve me?
No. Banks also consider verified income, expenses, employment, existing obligations, credit history and their own policies.
What data do I need?
Only approximate financial figures: income, current monthly payments, the new amount, term, rate and a payment-history signal.
Is my result sent to a bank or credit bureau?
No. The result is shown on this page and the calculator does not make a credit-bureau inquiry.
Why can a lender’s result differ?
A lender may use verified documents, household expenses, other debts, collateral, internal risk models and a different interest rate.
Is the calculator free?
Yes. There is no registration fee and no application is created by using it.