Loan Affordability Calculator
🎯 Step 1: Select Loan Type
Different loan types have different affordability rules and typical terms.
Auto Loan
Personal
Home Loan
Student
Business
💰 Step 2: Your Income
Use gross (pre-tax) income for lender calculations.
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$
📋 Step 3: Existing Monthly Debts
Enter your current monthly debt payments (these affect how much more you can borrow).
$
$
$
$
$
$
💳 Step 4: New Loan Details
Auto loans typically have 3-7 year terms with rates 5-12% depending on credit.
%
$
Maximum Loan Amount
$0
Based on standard 36% DTI rule
Your Current DTI Ratio
0%
Healthy
Your debt-to-income ratio is in great shape.
0%15%30%43%60%+
Approval Likely
You meet most lender requirements.
📊 3 Affordability Scenarios
Conservative
$0
$0/mo
28% DTI cap
Standard
$0
$0/mo
36% DTI (recommended)
Maximum
$0
$0/mo
43% DTI (risky)
Monthly Income
$0
Current Debts
$0
Available for New Loan
$0