Learn How Much You Can Invest - Understand Your Property Investment Budget

Find Out How Much You Can Invest Based On Your Income & Equity

When you’re planning your next property purchase, the first question is simple - how much can you actually afford to invest? 

But the answer isn’t always obvious. Income, equity, bank lending rules, and deposit size all play a role.

Our property investment calculator takes the guesswork out of the equation. In less than two minutes, you’ll get a realistic estimate of your investment budget based on your personal numbers.

What This Calculator Does

This free tool works by combining:

• Your income – salary, rental income, and any regular additional earnings
  

• Your equity or deposit – what you already have to put towards your purchase
  

It then applies common lending criteria (like debt-to-income and loan-to-value ratios) to give you a realistic estimate of how much you might be able to invest in property.

Why This Matters for Investors

Knowing your buying power before you start house-hunting helps you:

• Avoid looking at properties outside your true affordability range
  

• Make faster, more confident decisions when opportunities arise
  

• Use your equity strategically to expand your portfolio sooner
  

• Understand how much leverage you can take on without overextending yourself
  

Try the Calculator Now

Find out your potential investment budget today and start building a strategy around it.

Click on this image to find out how much you can invest

Related Tools

If you’re looking for other ways to analyse your investments, you might also like:

• Property Investment Returns Calculator – work out the cashflow and equity returns of a property in minutes
  

• Mortgage Repayment Calculator - find out how much your mortgage repayments will be on a new loan

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How Does This Calculator Figure Out My Investment Budget?

It takes into account your total income and your available deposit or equity. Using these figures, it estimates how much you could borrow - giving you a ballpark investment amount to work with.

Does It Reflect How Banks Assess Borrowing?

Yes - it’s based on typical lending rules, including debt-to-income and loan-to-value ratios. The final figure may differ slightly depending on your chosen lender’s exact criteria.

Can I Use It If I Already Own a Property?

Absolutely. Many investors use it to see how much equity from their current home or other properties could go towards a new purchase. It’s also suitable for first-home buyers and new investors.

What Income Should I Include?

Enter your gross household income (before tax), plus any regular rental income. If bonuses or commissions are a steady, provable part of your income, you can include them too.

Is This Result a Guarantee Of My Lending?

No - the figure is an estimate based on your inputs. Different banks apply their own policies, so for an exact number tailored to your situation, speak with a Thrive Investment Partners advisor.