Public calculator snapshot
Borrowing Power Calculator Comparison
Borrowing estimates are not interchangeable. This page sets out a consistent group of Australian household scenarios for BorrowPower and the public calculators from ANZ, CommBank, NAB and Westpac.
Current edition: 2 September 2026. Next review planned for October 2026.
What this comparison is for
It is a transparent planning reference, not a lender ranking or a loan recommendation. Each lender sets its own assessment rate, expense model, credit policy and product assumptions, and those can change without notice. A public calculator result is an indication only; it is not conditional approval.
BorrowPower applies its published Australian tax and serviceability assumptions. The lender columns below link directly to the relevant public calculator so the same profile can be checked at the source. This avoids presenting stale or invented lender figures as current facts.
Snapshot calibration in progress
Published lender figures must use the same loan purpose, repayment type, term, LVR band, public product and common inputs. This benchmark uses an 80% LVR context (a 20% deposit) so a lender tool can be set to its closest owner-occupied 70.01%-to-80% product where that choice is available. The first result table will be published only after each scenario has been checked against that context and recorded with its displayed rate.
Until then, this page deliberately shows the repeatable inputs and official tools rather than presenting a number that looks comparable but is based on a different LVR or product assumption.
Monthly comparison method
- Use five repeatable core scenarios Every profile below uses owner-occupied, principal-and-interest repayments over 30 years and an 80% LVR context unless a source calculator applies a different built-in assumption.
- Keep the inputs aligned Use the listed income, dependants, living expenses, other monthly debt payments and card limits. Do not add savings targets, HELP repayment assumptions, rental income or current-home-loan details to this comparison.
- Record the public estimate and source context At each monthly review, record the displayed result, calculator date and any stated product/rate assumption. Note an unavailable field rather than forcing an unmatched input.
Five repeatable core scenarios
Annual income is gross income. Expenses and debt payments are monthly. “Joint” means two applicants. Each scenario assumes a 20% deposit/80% LVR context; it is used only to select an equivalent public product where the lender calculator provides that control.
| Scenario | Applicants and income | Household profile | Commitments | LVR context | Run through |
|---|---|---|---|---|---|
| 1. Single starter | Single: $90,000 | 0 dependants Expenses: $2,500 | No other debt Card limit: $0 | 20% deposit 80% LVR | BorrowPower Then check the four official sources below. |
| 2. Single established | Single: $120,000 | 0 dependants Expenses: $3,000 | No other debt Card limit: $0 | 20% deposit 80% LVR | BorrowPower |
| 3. Couple entry | Joint: $100,000 + $80,000 | 0 dependants Expenses: $4,000 | No other debt Card limit: $0 | 20% deposit 80% LVR | BorrowPower |
| 4. Couple with one child | Joint: $105,000 + $85,000 | 1 dependant Expenses: $4,600 | No other debt Card limit: $0 | 20% deposit 80% LVR | BorrowPower |
| 5. Couple with two children and debt | Joint: $120,000 + $95,000 | 2 dependants Expenses: $5,400 | Other debt: $650 Card limit: $10,000 | 20% deposit 80% LVR | BorrowPower |
Official public calculators
- ANZ borrowing power calculator
- CommBank how much can I borrow calculator
- NAB borrowing power calculator
- Westpac borrowing power calculator
Some calculators request information differently. Where a calculator has no equivalent field, leave a note in the monthly review rather than treating two unlike results as exact equivalents.
Use a result in context
Borrowing capacity is only one part of a purchase decision. Keep your deposit separate from duty and buying costs, test repayments at a range of rates, and ask a lender or licensed professional to assess your personal circumstances before relying on any estimate.
General information only, not financial, credit or legal advice. BorrowPower is not affiliated with ANZ, CommBank, NAB or Westpac. Calculator settings, products, rates and credit policies can change. Check each official calculator and speak with a lender or licensed professional before making a financial decision.