Loan planning

Borrowing Capacity Planner

Estimate what a new loan could look like after accounting for household expenses and current debt. The output is a planning estimate, not a lender eligibility decision.

Gross monthly income (₹)Essential monthly expenses (₹)Existing monthly debt payments (₹)Safety buffer to retain (₹)Share of remaining cash allowed for new EMI (%)Interest rate (% p.a.)Tenure (years)

Planning logic

Available cash = income − essential expenses − existing debt − safety buffer.

Planning EMI = available cash × your chosen share.

Indicative principal is derived from the EMI formula using your entered rate and tenure.