Free tool · Lender maths · Email to unlock
What can you actually afford?
Put in your income and commitments, and see your debt-to-income ratio the way a lender sees it, live, as you type.
Your numbers
Annual income (before tax)
£
£0£150k
Monthly debt repayments
£
£0£3k
Cards (the payments you actually make), loans, car finance, BNPL, overdraft fees.
Monthly rent or mortgage
£
£0£3k
Your debt-to-income ratio
-%
0%20%36%45%60%+
-Gross monthly income
-Monthly commitments
-Headroom to 36%
DTI here = (debt repayments + housing) ÷ gross monthly income, the "back-end" ratio most lenders check. Guide bands, not a lending decision, every lender scores differently.
Next Step
Ratio heavier than you'd like?
In a 1:1 session we turn these numbers into a dated, month-by-month payoff plan, snowball or avalanche, on your actual debts.
Book a 1:1 Session