What does an affordability calculator need to ask?

Income, regular commitments and deposit. Those three drive almost all of the figure, and every extra question costs completion on a form people are already nervous about.

Is an affordability calculator financial advice?

No, and the form should say so clearly before and after the result. An estimate based on self-reported numbers is not a lending decision and must not be presented as one.

How do I handle sensitive financial data in a form?

Collect the minimum that produces the figure, say in plain words what happens to it, and do not ask for anything you do not need. Responses are encrypted in transit and at rest.

Can I show the monthly repayment as well?

Yes. Calculations can produce several figures from the same inputs, so a borrowing estimate and a monthly repayment at two or three rates can appear together.

Is this affordability calculator form template free?

Yes. Use it, publish it and collect answers on the free plan with no card. Paid plans add things like payments, scheduling, removing our badge and your own domain, but none of them are needed to run this form.

Do I need an account to use it?

You need one to edit and publish, because the form has to live somewhere and the answers have to come back to you. Signing up takes about a minute and does not ask for a card. The people filling your form in never need an account.

Can I change the questions?

All of them. The template is a starting point, not a fixed form: add, remove, reword and reorder anything, change the look, and use logic so people only see the questions that apply to them.

Can I put it on my own website?

Yes. Embed it in a page you already have, or share the link. On a paid plan you can serve it from your own domain so the address says your name rather than ours.

Where do the answers go?

Into your dashboard, where you can read, search and export them as CSV. You can also have each response emailed to you, pushed to another tool with a webhook, or sent to a connected integration.

How long does this form take to fill in?

About 1 minutes as it stands, across 4 questions. Every question you cut brings that down, and shorter forms get finished more often.

Calculators

Affordability calculator

A rule-of-thumb calculator with the caveat stated plainly on the form. Useful as a first filter; explicitly not advice, which the statement block says in so many words.

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Questions: 4
Takes about: 1 min
Style: One page
Scoring: None

Free, no card. It lands in your workspace as an editable draft.

Worth knowing

The welcome screen and the intro text above the first question carry example turnaround times, policies and promises. Rewrite them as yours before you publish — they are the part respondents take literally.
Leave the disclaimer in. A calculator like this without one invites trouble.

What's in it

How much could you borrow?
Welcome screen
1
Annual household income before tax*
Number
2
Monthly debt repayments*
Number
3
Deposit available*
Number
Rough borrowing estimate
Calculation
This is an estimate, not advice It uses a simple multiple of income and takes no account o…
Rich text
4
Send me this estimate*
Email
Done
Ending

How to use this template

Open it as a draft
Press "Use this template" and it lands in your workspace as an editable form with all 4 questions already in it. No card, and nothing is published until you say so.
Cut what you do not need
Every question you remove is one fewer reason to abandon the form. It takes about 1 minutes to fill in as it stands, and that is the number worth protecting.
Add from the question bank
Pick what you are missing from the questions below. Drag any of them in, change the wording, and use conditional logic so people only see the ones that apply to them.
Share it, or put it on your own site
Publish to get a link, or embed it in a page you already have. Answers arrive in your dashboard, and you can send them on to anywhere else with a webhook or an integration.

32 affordability calculator form questions to choose from

An affordability calculator handles money and household circumstances, which makes it the most sensitive form most sites run. Say what happens to the data before you ask for any of it.

It is an estimate and it must say so. Regulated advice is a different thing and the form should not pretend otherwise.

Income

What is your annual income before tax?
Is that salary, self-employed or a mix?
Do you receive regular bonus or commission?
How much, on average?
Is there a second applicant?
What is their annual income?
How long have you been in your current role?
Do you have any other regular income?

Outgoings and commitments

What are your monthly essential outgoings?
Do you have any loans? What is the monthly payment?
Do you have credit card balances?
Do you have a car finance agreement?
Do you pay childcare? How much a month?
Do you have any dependants?
Do you pay maintenance or support?
Do you have any existing property commitments?

The purchase

How much deposit do you have?
What price range are you looking at?
Is this your first property?
Is it to live in or to let?
Over how many years would you want to repay?
Do you have a rate in mind?
When are you hoping to buy?
Have you had an agreement in principle before?

Showing the result and next steps

Show a borrowing range rather than a single figure?
Show the monthly repayment at a few different rates?
State plainly that this is an estimate, not an offer?
Say what a lender would check that this does not?
What is your name?
What is your email address?
Would you like to speak to an adviser?
Would you like this emailed to you?

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