INCOME CALCULATOR
tim.mortgage — what could you actually get?
Household Income (before tax, per year)
$
Deposit (KiwiSaver + Savings)
$
Household Type
Couple
Individual
Flatmates
None
1
2
Dependents
None
1
2
3+
Existing Debt
Debt-free
Has debt
Total debt balance (cards + loans)
$
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💰
Enter income and depositto generate your numbers
🎬 Opening line
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🏠
Purchase Price
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Loan Amount & Deposit
Loan amount
—
Deposit amount
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Choose a Fixed Term
Real Repayment (at selected term/rate)
Weekly
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Fortnightly
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Monthly
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Breakdown
Income × multiplier—
Debt reduction—
Flatmate borrowing boost—
Est. max loan—
Deposit—
🎬 Closing line
"DM me and I'll run your actual numbers."
⚙ Adjust assumptions
Income multiplier
x
Est. loan = income × this multiplier
Interest rates by fixed term
20%+ dep
Under 20%
Estimate only, based on a simple income-multiple rule of thumb — not a lending decision or pre-approval. Actual borrowing power depends on the lender, full financials, and credit history.