Payment Affordability Checker
Checks a proposed funding payment against monthly revenue and existing obligations, and says in plain words how much margin of safety would remain.
Gross deposits in a typical month
Loans, advances and leases; 0 if none
The payment you are considering
Enter your monthly revenue, what you already pay toward debt each month, and the payment you are weighing. The verdict updates instantly.
How to read the numbers
The check adds the proposed payment to what you already pay toward debt each month and holds the total against revenue. The margin left over is what absorbs a slow week, a late invoice or a surprise repair, so the margin, not the payment, is what the verdict reads.
We built this to say the uncomfortable thing early. When the verdict reads strained or unsafe, the better conversation is usually a smaller amount, a longer term, or waiting, and this tool says so in the result rather than letting the math stay vague until a payment is missed.
Go deeper
Guides from our resource library that pair with this tool.
Want a real number instead of an estimate?
A calculator can only work with what you type into it. One short application lets funding providers look at your actual statements and respond with real figures, and talking it through first costs nothing.
Submitting an application does not guarantee approval, funding, or any particular rate or term.
Financing options are provided by participating financing providers and are subject to their eligibility requirements, approval and terms.