Home / Budget planner
Add up what comes in and what goes out to see what’s left each month, and whether a loan repayment would fit. Everything stays on your device; nothing is sent to us.
Not sure what it would be? Get an estimate from our loan calculator.
Start by entering your income.
What’s left over is your buffer for the unexpected. Lenders look for a comfortable margin after essentials and all debt repayments, including the new loan, so a result close to zero usually means a loan won’t be approved, or won’t be affordable.
Debt repayments as a share of income is a quick health check. There’s no single legal limit, but the higher it is, the less room you have when costs go up. If debt is taking a large share of your income each month, it may be time to speak to a registered debt counsellor before borrowing more.
For more on what lenders look at, read what lenders check in an affordability assessment.
General information only, not financial advice. Instant Loans SA is a credit broker, not a lender.