Loan affordability calculator
An anonymous cash-flow check for UK unsecured personal loans. Enter your income, outgoings and the loan you're considering — we'll show whether the monthly repayment fits your budget. Not a credit decision; lender approval depends on your credit file and the lender's own affordability assessment.
1. Your income
Your total yearly salary before tax and National Insurance
Rental income, freelance, dividends, benefits, etc.
2. Monthly commitments & debt
UK lenders are required to consider all your fixed commitments before issuing a loan.
Your monthly housing cost — a key fixed commitment lenders consider
Combined monthly payments for: loans, credit card minimums, car finance (PCP, HP or lease), store cards, BNPL, overdraft fees — anything contractually owed (excluding your mortgage above)
What you currently owe in total across loans, credit cards, car finance (PCP/HP — not pure lease/PCH), store cards and overdrafts (excluding mortgage).
Utilities, council tax, transport, insurance, broadband
Food, subscriptions, childcare, leisure — anything else monthly
Children or others who depend on your income. UK lenders are required to factor in dependants as part of your foreseeable circumstances.
3. Loan you're considering
Pre-filled with 6.9% — a typical UK personal loan rate. Adjust if you have a specific offer. Note: the advertised "representative APR" is only guaranteed to 51% of accepted applicants — your actual rate may differ.
Enter your annual salary and the loan amount to run the check.