CalcLoan Affordability Calculator
Last updated: 2026-08-24
Loan Affordability Calculator — Free online loan affordability calculator. Enter monthly income and debt ratio % to get instant results.
Inputs
Result
Enter values and press Calculate
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How to use it
- Calculate payment maximum permitido (revenue × ratio debt)
- Convert rate annual a monthly
- Calculate number total of payments mensuales
- Apply formula of value presente of anualidad
Common mistakes
- ⚠️ Use ratio of debt incorrect
- ⚠️ Not considering others debts existentes
- ⚠️ Forget Convert rate annual a monthly
Worked example
Ingreso $5000, ratio debt 36%, rate 5%, 30 years
Monto maximum of loan that can permitirte according to your revenue and debts
Input guide
| Field | Typical range |
|---|---|
| income | Varía according to país and situación |
| rate | Generalmente between 2% and 15% |
| debt_ratio | Típicamente 28-43% for aprobación hipotecaria |
| years | Común 15, 20, 25 or 30 years |