Mortgage Stress Calculator

Estimate your financial risk ready for when rates change

Simply enter household income, and your monthly mortgage repayments to instantly see how close you may be to mortgage stress.
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  • 20%
  • 30%
  • 60%

Stress free zone

Danger zone

Stress zone

Your mortgage payments are

of your pre-tax income

Pre-tax monthly income:


Monthly repayments:


Pre-tax monthly balance:


The mortgage stress bar shows visually how close you could be to experiencing mortgage stress.

Calculator Assumptions and Disclaimers