Read the result correctly
The calculator uses 40% of income as an example upper guide for all debt payments, not an approval rule.
What payment can your budget support?
It depends on household costs, income stability and emergency savings.
Why do existing debts matter?
They reduce the capacity available for a new payment.
Frequently asked questions
How much salary can go to debt?
There is no universal safe percentage; 40% is only a planning guide here.
Does this guarantee approval?
No. The lender makes the final decision.
Can I enter informal income?
The tool calculates your inputs; official assessment rules vary.
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Read the calculation methodology and finance guide for formulas and assumptions. Calculation methodology · Finance guide