Loan Affordability
Borrow what you can comfortably repay.
Find a safe EMI that keeps room for savings and life. We apply the 40% income rule to keep your borrowing sustainable.
Your finances
Monthly income₹1.50 L
Monthly expenses₹45.0 K
Existing EMI₹0
Down payment₹8.00 L
Affordable purchase
₹77.14 L
Loan ₹69.14 L + Down payment ₹8.00 L
Safe EMI
₹60.0 K
Monthly savings
₹45.0 K
How it works
Understand every number
The 40% rule
Keep total EMI outflow under 40% of take-home income to stay financially healthy.
Emergency buffer
Aim for 6 months of expenses in savings before taking on a big loan.
FAQ