Vehicle and Home Affordability Calculator
Understand what you can realistically afford before you commit to a vehicle or property.
Narrow Finance gives you a transparent affordability estimate based on your income, living costs, existing debt and finance assumptions. There are no credit checks, finance applications or obligations.
Plan your next purchase
Vehicle finance affordability
Estimate a sensible vehicle budget for a new or used car using your income, expenses, deposit, interest rate and repayment term.
Home-loan affordability
Explore a realistic property budget by considering your household income, monthly costs, existing commitments, deposit and loan term.
How the affordability estimate works
- Choose vehicle finance or a home loan.
- Add your applicant and, if needed, joint-applicant details.
- Enter income, living costs and existing debt commitments.
- Review your estimated affordability and monthly repayment.
A private planning tool, not a finance application
Narrow Finance does not ask for an ID or passport number, bank login, credit-bureau enquiry or document upload. The result is an estimate to help you plan; a lender's formal assessment and approval may differ.
Frequently asked questions
What does the Narrow Finance affordability calculator do?
It helps you estimate what you may be able to afford for vehicle finance or a home loan using your income, costs, existing commitments and finance assumptions.
Does Narrow Finance do a credit check?
No. Narrow Finance is an affordability planning tool and does not perform a credit-bureau enquiry, credit score or finance application.
Can I assess affordability with a joint applicant?
Yes. You can include a second applicant's income, living costs and debt commitments for a joint affordability estimate.