Credit capacity calculator

Quickly estimate the monthly installment you can afford given your income and obligations. The result helps you understand a rough maximum before you start comparing bank offers. The calculation is informational and does not constitute a binding offer. Numbers use European format (e.g. 1.800 for one thousand eight hundred, 5,50 for five point five).

Monthly net income (€) * ?

Existing credit obligations (€) ?

Loan term (years) * ?

Advanced settings

Interest rate (% per year) ?

Adults in household ?

Children / dependents ?

Rent / alimony (€) ?

Actual monthly household costs (€) ?

DSTI limit (%) ?

Safety reserve (%) ?

Reserve per adult (€) ?

Reserve per child (€) ?

Credit capacity estimate

Maximum allowed monthly installment –

Estimated maximum loan amount –

Loan affordability rating –

Installment (+ obligations) / income –

–

Limit summary

–

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Important notice (calculator limits)

This calculator estimates credit capacity based on entered income, living costs (actual costs or a normative reserve per adults/children), existing credit obligations, and the chosen DSTI limit. The result is an orientational estimate of the maximum possible monthly installment and loan amount.

Banks may use different internal models (e.g. different minimum reserves, treatment of allowances, bonuses, additional income, limits, credit cards, guarantees, collateral, credit grades, property value, age, employment type, etc.). The result is therefore not a binding offer and may differ from the bank's actual assessment.

Before deciding, always verify the conditions with the bank and, if needed, consult a professional.

Why this calculator

Why work out your credit capacity?

A realistic picture first

Before you go to the bank, you know whether the instalment you want makes sense given your income, obligations and living costs.

See what limits you

Quickly find what reduces the loan amount most: existing obligations, household costs or a shorter term.

Bank of Slovenia rules

The calculation applies the instalment limit and minimum living costs that every bank has to follow.

How credit capacity is calculated under Bank of Slovenia rules

Since 1 July 2023, two Bank of Slovenia rules apply to new consumer loans and mortgages. The bank applies whichever allows the lower instalment.

DSTI of at most 50%. All monthly repayments together (new and existing loans, leasing, part of overdraft and credit card limits) should generally not exceed half of your net income. Banks may grant a small share of loans above this ratio.
At least €745 must remain. After all repayments you must be left with at least €745 a month, plus an additional amount for each dependent family member.

Example for one person with no other obligations, a 20-year loan at 3.5% (net income, the limit under each rule, the maximum instalment and the approximate loan amount):

Net	DSTI 50%	€745 rule	Instalment	Loan
€1,800	€900	€1,055	€900	€155,000
€1,400	€700	€655	€655	€113,000

At €1,800 the DSTI limit applies, at €1,400 the amount that must remain. The calculator above applies both rules. For living costs it uses €800 per adult by default, slightly more cautious than the legal minimum, and you can change that value.

More on how banks calculate credit capacity and on minimum living costs for a loan.

Frequently asked questions

Frequently asked questions about credit capacity 6

How is credit capacity calculated under the new rules?

The "new rules" are the Bank of Slovenia rules in force since 1 July 2023: DSTI is generally at most 50% of net income regardless of income level (previously the limit depended on income), and after all repayments at least €745 a month must remain, plus an additional amount for each dependent family member. The calculator applies both rules.

Is the result binding for the bank?

No. It is an orientational estimate. A bank may use different rules (reserves, DSTI, treatment of additional income, collateral, credit rating, etc.).

What do I include in "existing credit obligations"?

Monthly installments of all loans/leases and similar financial obligations. Don't enter general living costs (food, bills) – those belong under household costs / reserve.

What is DSTI and why does it matter?

DSTI (Debt Service-to-Income) is the share of income that may go toward repayment of all debts. A higher DSTI limit allows a higher allowed installment but also higher risk.

Why do term and rate affect the maximum loan amount?

A longer term usually lowers the installment (so the amount can be higher), while a higher rate raises the installment (so the amount must be lower).

Should I enter actual household costs or leave it blank?

If you know your approximate real costs, enter them. If you leave it blank, the calculator uses a normative reserve based on number of adults/children.