Find out what you can really afford
Instantly calculate how much house, rent, or car you can afford based on your income and expenses.
Your finances
Adjust the sliders to match your situation
Your gross (pre-tax) annual income
Bills, food, subscriptions, travel, etc.
Monthly loan, credit card, or other debt payments
Your total savings (helps with deposits)
Your affordability
Results update as you type
Your affordability is broadly in line with the UK average
You are well-positioned to afford a home, rent, or car within the typical UK range. Small improvements to expenses or savings will open up more options.
Safe monthly disposable income
After expenses and debt, you have around £2,475 left each month — with a 10% safety buffer built in.
Home you could realistically afford
You could realistically afford a home worth around £240k based on your salary, savings, and financial position.
Most UK buyers with a similar income typically purchase between £211k and £269k
Recommended rent budget
A monthly rent of up to £1,313 would keep your finances healthy, based on the 30–35% income rule.
Car budget
You could comfortably afford a car between £4.5k and £6.8k. Staying closer to the lower figure keeps more budget for savings.
Based on typical UK lending criteria and affordability guidelines. This is an estimate, not financial advice.
Results are estimates based on standard UK lending guidelines. Not financial advice.
What this means
Plain English explanations of how these numbers are calculated.
House affordability is about more than salary
Lenders look at your full financial picture — income, debts, expenses, and deposit size. The 4.5× figure is a starting point; your actual offer may differ.
The 30% rent rule keeps you financially healthy
Keeping rent below 30% of gross income means you have room for savings, emergencies, and enjoying life. Going above 35% can leave you financially stretched.
The safety buffer matters
We apply a 10% buffer to your disposable income calculation. This accounts for unexpected costs — car repairs, medical bills, or simply a bad month.
These are estimates, not financial advice
Use these numbers as a guide to start your thinking. Always speak to a qualified mortgage broker or independent financial adviser before making big decisions.
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