Use Borrowing Capacity in your AI

Install one skill in Claude, ChatGPT, Grok, Gemini or Copilot, then ask your question in plain words. Your AI looks up what you did not say, lists every assumption with its source, and replies with one link that opens Borrowing Capacity on your scenario. The tool works out the answer, so the figures you see are the tool's, not the chatbot's.

 Download brotools-borrowingcapacity.zip Open the tool

A .zip skill: SKILL.md (how to answer), references/ (every input, its range and the Quick Starts) and scripts/build_link.py (builds and checks the link).

Install the skill

Pick your assistant. The demo plays the steps; press a step to jump to it.

    Menus move as these apps update: look for Skills (Claude: Settings, Customize; ChatGPT and Grok: Plugins; Gemini: Customise; Copilot: inside an agent). Gemini takes the unzipped folder; the others take the zip as it is. No skill support on your plan? Attach brotools-borrowingcapacity.zip or its SKILL.md to the chat and say "use this skill".

    Effective 7 November 2026. AI changes quickly: the UI, plans and features may be different by the time you see this.

    How to use it

    Ask as you would ask a friend. With the skill on, the AI keeps your figures, researches the rest, and hands you the link. It does not give the answer itself: the tool does, once you open the link.

    using tool.adjiebrotots.com/borrowingcapacity, how much can a couple earning $120,000 and $85,000 in Sydney borrow?

    Using skill brotools-borrowingcapacity Ran scripts/build_link.py: link checked

    Your inputs

    • City: Sydney

    Assumptions

    1. Household: two applicants and no dependants. The link starts from the Couple Quick Start (qs=couple), which keeps private hospital cover on, no study loan, a card limit of 15,000, a loan at 5.9% a year over 30 years and the 2026-27 tax year.
    2. Income: $205,000 a year gross between the two, with the second applicant's share set to 40%, the nearest step to $85,000 of $205,000.
    3. Living costs: $4,000 a month declared; the lender uses the higher of this and its own benchmark.
    4. Home and deposit: a $1,100,000 home with $250,000 saved, stamp duty at 4% of the price and $4,000 of other purchase costs, none of which the user gave.

    Your scenario

    Open Borrowing Capacity on this scenario

    https://tool.adjiebrotots.com/borrowingcapacity/#load&v=1&qs=couple&city=Sydney&incSimple=205000&why.incSimple=$120,000%20plus%20$85,000%20gross%20a%20year,%20before%20tax&incSplit=40&why.incSplit=The%20second%20applicant%20earns%20$85,000,%20about%2041%25%20of%20$205,000,%20and%20the%20slider%20moves%20in%20steps%20of%205&deps=0&why.deps=No%20children%20were%20mentioned,%20and%20the%20Couple%20Quick%20Start%20has%20two&declaredExp=4000&why.declaredExp=A%20typical%20monthly%20figure%20for%20two%20adults%20with%20no%20children,%20excluding%20rent%20and%20debts&price=1100000&why.price=A%20typical%20Sydney%20price%20for%20a%20home%20a%20couple%20on%20this%20income%20might%20shop%20for&savings=250000&why.savings=Savings%20for%20the%20purchase%20were%20not%20given,%20so%20a%20typical%20amount%20for%20a%20couple%20at%20this%20income&dutyPct=4&why.dutyPct=New%20South%20Wales%20stamp%20duty%20on%20about%20$1.1M%20is%20about%204%25%20of%20the%20price&note=Sydney%20couple,%20October%202026

    Open the link to see the result.

    Open this scenario
    • Your figures stay yours. Anything you state goes in as you said it; correct any assumption and the AI sends a new link.
    • Checked before you see it. The skill's script checks every input's name, range and choices before the AI sends the link, so it opens the scenario listed.
    • The tool shows what the AI chose. When the link opens, a banner lists each value the AI set and why, with an Undo back to your own inputs.

    Ready to try it?

    Download the skill Read the guide Open the tool All Brotools skills