Many people know their annual salary figure but track expenses monthly. This tool tries to bridge that gap, though results are still approximate.

No, we assume your entire pre-tax salary minus multiplied monthly outgoings. Actual affordability will differ once taxes and other withholdings are applied.

In reality, lenders have more complex checks (e.g. credit score, job stability, outstanding loans). This calculation provides a rough guide only.

Although 4.5× is a common guideline in some regions, lenders can offer anything from 3× to 5.5× (or more) depending on individual circumstances, credit scores, and market conditions. It's best to compare several lenders or consult a broker to see what multiples you may qualify for.