See what share of your income already goes to loans, and whether you still have room to buy a home.
Include every loan instalment (home, car, personal, cards). Banks usually look for a ratio of up to around 40%.
It's the share of your income that already goes to repaying loans. It's calculated by dividing the total monthly instalments by the household's net income.
The lower it is, the more room you have, and the easier it is for the bank to approve a new loan. Above 40% things start to tighten, and above 45% you pass the limit recommended by Banco de Portugal; the Guru explains what weighs on your debt-to-income ratio.
Up to around 40% is the range in which banks usually approve. Between 40% and 45% it is still within the Banco de Portugal recommendation, but with more requirements. Above 45% it passes the limit recommended by Banco de Portugal (Macroprudential Recommendation no. 1/2026, since 1 August 2026); banks may only exceed it for a small share of the loans they grant.
Every loan instalment: home, car, personal loan and the average amount used on credit cards.
Extend the loan terms or renegotiate the conditions. The Guru studies your case and tells you what makes sense.
The calculator gives you an estimate. The Guru goes to the partner banks and brings you real offers, at no cost to you.