Loan Tenure Affordability Calculator

Calculator Inputs

Results appear above after you submit.

Mode

Choose what you want to solve for.

Currency

Used for display and exports.

Payment frequency

Affordability limits scale by frequency.

Loan amount (before down payment)

In “Max loan amount” mode, this is optional.

Down payment

Reduces financed amount.

Financed fees

Added into financed principal.

Interest rate (annual %)

Nominal annual rate, compounded by frequency.

Stress rate (annual %)

Used when “Use stress rate” is enabled.

Use stress rate?

Uses the higher of base and stress rates.

Tenure (years)

Used for payment and max-loan modes.

Extra payment per period

Shortens payoff and reduces total interest.

Show full schedule?

Full schedule may be long for weekly payments.

Monthly income

Used to estimate affordability limits.

Other monthly debt payments

Credit cards, loans, subscriptions, etc.

DTI cap (%)

Total debt payments as a share of income.

Your payment budget (monthly)

Optional: adds a stricter cap than DTI.

Reset

Privacy note: Calculations run locally and are stored in your session only for exports.

Example Data Table

Scenario	Loan	Rate	Tenure	Income	Budget	Estimated Outcome
Starter Home	PKR 3,000,000	17.0%	10 years	PKR 400,000/mo	PKR 140,000/mo	Check DTI, compare payment vs cap.
Stress Test	PKR 3,000,000	19.5%	12 years	PKR 400,000/mo	PKR 140,000/mo	Higher rate can shift affordability status.
Max Loan Planning	Unknown	17.0%	10 years	PKR 400,000/mo	PKR 140,000/mo	Compute affordable loan ceiling for tenure.

Formula Used

The calculator uses standard amortization math with a periodic interest rate: r = annual_rate / payments_per_year.

Periodic payment: PMT = P × (r(1+r)^n) / ((1+r)^n − 1)
Principal from payment: P = PMT × ((1+r)^n − 1) / (r(1+r)^n)
Periods from payment: n = ln(PMT / (PMT − P×r)) / ln(1+r)
DTI: DTI% = (loan_payment + other_debts) / income × 100

If stress is enabled, the calculator uses the higher of base and stress rates for conservative affordability.

How to Use This Calculator

Select a mode: check affordability, find tenure, or find maximum loan.
Enter loan details, rate, and tenure for your chosen mode.
Add income, other debts, and your preferred DTI cap.
Optionally set a payment budget for stricter limits.
Enable stress rate to test tougher market conditions.
Click Calculate, then download CSV or PDF.

Calculator Inputs

Example Data Table

Formula Used

How to Use This Calculator

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