Required Income Calculator
Enter the monthly payment of your future loan and your maximum debt-to-income ratio to find out the net monthly income you need. The “Maximum payment” tab does the reverse: it calculates the monthly payment you can afford from your income.
Pourquoi utiliser cet outil ?
The debt-to-income ratio is the share of your income spent on repaying your loans. In France, the HCSF (High Council for Financial Stability) recommends that banks do not exceed 35% of net income, including borrower insurance.
Formula: required income = total monthly payments ÷ debt-to-income ratio. Example: 800 ÷ 0.35 = €2,285.71 net per month.
Indicative estimate only: banks also look at your remaining disposable income, down payment, income stability and loan duration (generally 25 years maximum).
Why it's free
A discreet ad banner covers hosting costs — that's the whole business model. No account to create, no usage limit, no paid tier unlocking the real result. Calculations run in your browser, so your numbers, dates and text never leave your device.
How our tools work