Interactive calculator
Borrowing potential illustration
Reverse a standard repayment formula from an amount you could allocate each month.
Last reviewed 1 October 2026
Illustrative result
- Illustrative principal
- $90,323
- Total payments
- $108,000
This is only the mathematical equivalent of the repayments entered. It says nothing about eligibility or lender limits.
How to use this tool
Invert the standard fixed-rate amortising repayment formula for the entered payment, rate and term.
A simple example
Change the assumed rate and term to see how sensitive the illustration is.
Assumptions and limits
This is not a lender borrowing limit, approval estimate or recommendation. Lenders assess eligibility, cash flow, security and policy separately.
General information only. Check your own records and speak with a qualified professional where the decision depends on accounting, tax, legal or financial advice.