Current repayment
Watch$3,908
Equivalent to about $3,908 per selected repayment period.
Home Loans
Repayment Stress Test Calculator
A rate rise stress test shows whether a borrower survives higher repayments after income, expenses, and emergency savings are considered.
Decision report included
Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.
Use the report to document the scenario, explain the tradeoff, and agree on the next action.
Inputs
Enter your scenario.
Decision Summary
Rate-rise risk rating
High risk
Using take-home income, the +3% scenario has repayments of $5,147 per month, leaving -$647 after expenses.
This borrower may not survive a sharp rate rise without cutting expenses, adding income, or building a larger cash buffer.
Decision index
ActionKey metric comparison
Current repayment$3,908
+1% repayment$4,305
+2% repayment$4,719
+3% repayment$5,147
Surplus at +3%-$647
+1% repayment
Watch$4,305
Monthly repayment if the rate rises by one percentage point.
+2% repayment
Watch$4,719
Monthly repayment if the rate rises by two percentage points.
+3% repayment
Watch$5,147
Monthly repayment used for the stress rating.
Surplus at +3%
Action-$647
Take-home income left after expenses and the selected stressed repayment.
Emergency coverage
Action2.4 months
Cash buffer measured against expenses plus stressed repayment.
Assumptions
Review the assumptions behind the result.
- Repayments are estimated monthly, then described in the chosen frequency.
- Income is monthly take-home household income after tax.
- Expenses are monthly household figures before the tested loan repayment.
- Emergency fund coverage is measured against expenses plus stressed repayment.
How To Use The Result
Turn the output into a practical next step.
- Focus on the +3% scenario if you want a conservative stress view.
- Use the surplus result to decide whether discretionary spending or buffer savings need work.
- A low emergency fund can turn a repayment that looks fine into a fragile decision.
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Compare another decision before you commit.
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