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Decision reportDecision summary
Home Loan Reality Calculator
Using take-home income, the current repayment leaves $3,710 after expenses. At a stressed rate of 8.15%, estimated surplus becomes $2,981 per month.
Decision index
Strong fit
Affordability verdict
Key figures
Monthly repayment
$3,290Surplus after current repayment
$3,710Repayment shock
$729Stressed surplus from take-home pay
$2,981Findings snapshot
What deserves attention first
These signals are the strongest points to review before relying on the result.
The tested purchase price is above the comfort estimate, so negotiate, raise deposit, or test a lower price.
Loan-to-take-home pressure is not the main weakness in this scenario.
The stressed scenario still leaves monthly surplus against take-home pay, but the size of that buffer matters.
Status mix
Metric health
Green is healthier, yellow needs monitoring, and red needs action.
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Decision reportMetric dashboard
Relative strength of the main numbers
These bars compare the largest numeric signals in this report. Each value keeps its own unit, so use the chart as a visual guide rather than a like-for-like financial comparison.
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Decision reportMetric notes
What each result means
Each row explains the result in practical language and highlights whether it is healthy, worth watching, or needs action.
Monthly repayment
$3,290HealthyEstimated repayment at the current rate. This is the regular amount that needs to fit inside the budget. Against the other key figures in this report, it is marked healthy.
Surplus after current repayment
$3,710HealthyTake-home income left after non-loan expenses and the current repayment. This is the regular amount that needs to fit inside the budget. Against the other key figures in this report, it is marked healthy.
Repayment shock
$729WatchExtra monthly repayment if the rate rises by 2.0%. This is the regular amount that needs to fit inside the budget. Against the other key figures in this report, it is marked watch.
Stressed surplus from take-home pay
$2,981HealthyTake-home income left after expenses and the stressed repayment. This shows how much the result changes if conditions become less favourable. Against the other key figures in this report, it is marked healthy.
Repayment share of take-home pay
29.4%HealthyCurrent repayment as a share of monthly take-home income. This is the regular amount that needs to fit inside the budget. Against the other key figures in this report, it is marked healthy.
Stressed share of take-home pay
35.9%WatchStressed repayment as a share of monthly take-home income. This shows how much the result changes if conditions become less favourable. It is marked watch based on the entered assumptions.
Loan-to-take-home ratio
4.0xWatchLoan size compared with annualised take-home income. This compares the commitment with income and helps show whether the plan is stretched. It is marked watch based on the entered assumptions.
Safe purchase estimate
$661,560WatchEstimated purchase price that keeps the stressed repayment inside a take-home income comfort buffer. This is a conservative guide for what may feel more comfortable under the entered assumptions. It is marked watch based on the entered assumptions.
Total lifetime cost
$1,184,340WatchPrincipal plus interest over the full term at the current rate. This shows the longer-term cost, not just the monthly or short-term impact. It is marked watch based on the entered assumptions.
Comfort score
92/100HealthyBlends take-home cashflow pressure, loan-to-take-home pressure, and safe price gap. This is a conservative guide for what may feel more comfortable under the entered assumptions. It is marked healthy based on the entered assumptions.
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Decision reportFindings
Plain-English interpretation
These findings translate the numbers into decision points.
The tested purchase price is above the comfort estimate, so negotiate, raise deposit, or test a lower price.
Loan-to-take-home pressure is not the main weakness in this scenario.
The stressed scenario still leaves monthly surplus against take-home pay, but the size of that buffer matters.
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Decision reportAction plan
What to do next
Recommended actions are based on the strongest signals in the result. Use them to decide what to check, change, or confirm.
Action 1
Reduce pressure before committing
- What it means
- The tested purchase price is above the comfort estimate, so negotiate, raise deposit, or test a lower price. Read this together with Monthly repayment ($3,290) to see what is driving the result.
- Why it matters
- Estimated repayment at the current rate. This is the regular amount that needs to fit inside the budget.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Monthly repayment: $3,290; Surplus after current repayment: $3,710; Repayment shock: $729
Action 2
Review decision signal 2
- What it means
- Loan-to-take-home pressure is not the main weakness in this scenario. Read this together with Surplus after current repayment ($3,710) to see what is driving the result.
- Why it matters
- Take-home income left after non-loan expenses and the current repayment. This is the regular amount that needs to fit inside the budget.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Monthly repayment: $3,290; Surplus after current repayment: $3,710; Repayment shock: $729
Action 3
Protect monthly cashflow
- What it means
- The stressed scenario still leaves monthly surplus against take-home pay, but the size of that buffer matters. Read this together with Repayment shock ($729) to see what is driving the result.
- Why it matters
- Extra monthly repayment if the rate rises by 2.0%. This is the regular amount that needs to fit inside the budget.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Monthly repayment: $3,290; Surplus after current repayment: $3,710; Repayment shock: $729
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Decision reportScenario inputs
Values used in the calculation
These inputs are the basis of the report. If any value changes, regenerate the report before relying on the result.
Property price
The purchase price you are testing.$720,000Deposit
Cash deposit available.$180,000Current interest rate
The current loan rate for the repayment estimate.6.15%Rate rise stress test
Extra rate buffer to test repayment shock.2.00%Loan term
The planned home loan term.30 yearsMonthly take-home income
Combined household income after tax that actually lands in your accounts.$11,200Monthly non-loan expenses
Recurring living costs before the new mortgage repayment.$4,200Assumptions
How to read the result
- Repayments are monthly and interest is modelled as a standard amortising loan.
- Monthly take-home income is used for affordability, cashflow, repayment comfort, and ratio metrics.
Professional note
Before acting
This report is a decision-support summary based on the assumptions entered. It is not financial, tax, lending, or legal advice. Confirm product terms, fees, tax treatment, and policy settings before making a financial commitment.
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Decision reportTerms explained
Key terms used in this report
These definitions explain finance terms and strategies that appear in the result.
Stress test
A conservative scenario that tests the result after rates rise, costs increase, or conditions become less favourable.
Loan-to-take-home ratio
The loan amount compared with annualised take-home income. A higher ratio usually means the loan is heavier against the money that actually reaches the household.
Safe purchase estimate
A conservative purchase price guide based on the assumptions entered. It is not an approval amount, but it helps show where the scenario may feel more comfortable.
After-tax return
The expected investment return after tax is considered. It is usually more useful than the headline return when comparing investing with paying down debt.
Surplus
Money left after the main expenses and repayments are counted. A positive surplus creates breathing room; a negative surplus signals pressure.