Loan Affordability Calculator
Find out how big a loan you can comfortably afford from your income, existing EMIs and a target FOIR.
About this calculator
Lenders cap your total EMIs at a percentage of income (the FOIR, usually 40–55%). This tool works backward from your income to a safe loan amount.
Keeping EMIs well within your FOIR protects you from financial stress.
All calculations happen in your browser — your numbers are never sent anywhere. Results are estimates for guidance only, not financial advice.
Frequently asked questions
What is FOIR?
Fixed Obligation to Income Ratio — the share of your income that goes to EMIs. Lenders usually cap it at 40–55%.
How can I increase my eligibility?
Lower existing EMIs, add a co-applicant, choose a longer tenure, or improve your credit score.
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