---
title: "Borrowing capacity calculator"
description: "Estimate how much you can borrow from your income, budget and household, with the standard bank rule and a real-budget reading side by side."
url: "https://savyy.net/tools/borrowing-capacity"
locale: "en"
last_updated: "2026-07-20"
---

# Borrowing capacity calculator

Estimate how much you can borrow before meeting a bank: your income, budget and household set a realistic ceiling next to the standard bank rule.

## Your project

What you are buying changes the role of your rent.

## Your borrowing capacity