AU Home Loan Calculator

Know what you could borrow.

An Australian borrowing power calculator that lives inside ChatGPT. Ask in plain English, get a conservative estimate built on the regulator's required 3% buffer (APRA) — and see exactly what's behind the number.

Set it up in ChatGPT

Free to use. Nothing you enter is stored.

The borrowing power calculator in ChatGPT showing an example estimate of $368,000, with the income, expenses and commitments that produced it.

Set up in under a minute

  1. Open ChatGPT and search the apps for AU Home Loan Calculator.

  2. Connect the app when ChatGPT asks — one tap.

  3. Ask away. Try:

    “What could I borrow on $95,000 with a HECS debt?”

One question, honestly answered

Borrowing power, built from your real position: income, HECS/HELP debt, dependants, credit card limits, existing loans. Start with just your income — the estimate sharpens as you share more, and you can ask what-if as many times as you like.

Every figure is conservative by design, and every figure shows its working.

Honest by design

  • Conservative by design. The APRA buffer is built into every estimate.
  • Your numbers stay yours. The calculator stores nothing you enter.
  • Estimates, not advice. Every estimate says so, every time.

Get started

Set it up in ChatGPT

Free to use. Nothing you enter is stored.