FinSmarter calculator

Loan Affordability Calculator

Choose a monthly payment that fits your budget. We’ll estimate the loan amount that payment could support at the rate and tenure you enter.

Your monthly budget

Use take-home income and include all current loan and credit-card payments.

Monthly take-home income (₹) Existing monthly loan / card payments (₹) New loan EMI you can comfortably pay (₹)

Choose this after allowing for household costs, savings and unexpected expenses.

Annual interest rate (%) Loan tenure (years)

Your estimate

Enter your numbers and select “Estimate loan amount”.

Estimated loan amount

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New loan EMI budget

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All EMIs as share of income

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Estimated total repayment

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Estimated interest

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This estimate uses a fixed rate and equal monthly payments. It excludes fees and rate changes. It does not check eligibility or guarantee loan approval. Your entries stay in this browser and are not submitted or saved by this calculator.

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