Finance Calculator
Affordability Calculator
Estimate affordable property price with debt-to-income logic.
Estimate affordable property price with debt-to-income logic.
The Affordability Calculator estimates the maximum property price you can comfortably finance based on your income, existing debts, and loan parameters. By applying debt-to-income logic used by Malaysian banks, it helps you set realistic expectations before you start house-hunting.
An affordability calculator works backward from your financial capacity to determine the highest property price you can support. It uses your monthly income, existing debt commitments, and a maximum debt-to-income ratio to find the largest monthly installment you can handle. That installment is then converted into a loan amount using the interest rate and tenure, and the downpayment percentage is factored in to arrive at the maximum property price. This approach mirrors how banks assess borrowers, giving you a realistic picture before any formal application.
Enter your monthly income, existing monthly debts, maximum DTI ratio, loan interest rate, tenure in years, and downpayment percentage. Click Calculate and the tool instantly shows the maximum property price, loan amount, and monthly installment you can afford. Everything runs in your browser, keeping your financial data private with no signup required. Adjust any parameter to see how increasing your downpayment, extending the tenure, or reducing existing debt changes your affordability ceiling.