Use this calculator to work out the amount of money left over from your income after outgoings and living expenses have been budgeted for.

If you are applying for a loan with your partner, remember to include their income and outgoings in your calculations as well. When you have entered all the information we need, just click Calculate.

	Income
	Monthly salary / wages 1 ($)
	Monthly salary / wages 2 ($)
	Monthly outgoings
	General living expenses($)
	Vehicle expenses ($)
	Gas, Power, Phone ($)
	Insurance ($)
	Rates ($)
	Credit Cards ($)
	Accommodation ($)
	Other loan repayments ($)
	Any other expenses ($)

NOTE: This calculator is intended to provide you with an indication only. All loans are subject to BankDirect's normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change. Should you require further information, or wish to apply for a loan, complete an application form on this Internet site or call a BankDirect Home Loan Specialist on 0800 500 400.