Result
Maximum payment on the new loan
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Maximum payment = income × acceptable share of income ÷ 100 − existing payments on other loans. The logic is simple: first compute the maximum allowed debt load in money, then subtract what's already committed to current obligations.
The acceptable share of income for payments (debt-to-income, DTI) isn't one fixed standard — it's a guideline that each bank and country sets differently: sometimes an internal scoring threshold, sometimes a legally mandated cap. That's why it's an editable field here, not a constant.
The resulting amount is a payment that keeps you within the acceptable debt load, not a loan approval guarantee: banks also weigh credit history, income type and other factors. To see what loan amount that payment can support, use the separate maximum loan amount calculator.