What could your budget look like?
A rough, educational guide built the way lenders think — income, living costs, commitments, and a stress-tested rate. It seeds a budget conversation; your broker confirms the real number.
Important — please read before using this tool
This calculator provides general information and estimates only. It is not financial, legal, or tax advice and does not take your personal circumstances into account. Results depend entirely on the figures and assumptions you enter and may differ from real-world outcomes.
Before acting, confirm with a licensed professional (e.g. mortgage broker, accountant, or financial adviser) and the relevant government body. Havenli accepts no liability for decisions made based on these estimates.
Your household
Income (before tax)
Lenders typically count ~80% of variable income.
Savings & commitments
Cards are assessed on the limit, not the balance.
Leave at zero to use a standard household benchmark. Declaring less than the benchmark doesn't help — lenders apply the benchmark anyway.
Loan
Lenders stress-test ~3% above this rate — that's built in.