Calculator
Loan Eligibility Calculator
Estimate how much personal loan or home loan you may be eligible for based on your monthly income, existing EMIs, and the interest rate. See the maximum loan amount and tenure.
Default preview · change inputs to recalculate
- Max EMI affordable
- 30000
- Max loan eligible
- 1395744.81
- Eligible tenure
- 60
- Interest rate applied
- 10.5
- FOIR (%)
- 12.5
What you'll see in the results
5 outputs come back. Here is what each one means.
- Max EMI affordable
- Rupee amount you owe, earn, or save.
- Max loan eligible
- Rupee amount you owe, earn, or save.
- Eligible tenure
- Count or quantity.
- Interest rate applied
- Rate, share, or ratio in percent.
- FOIR (%)
- Rate, share, or ratio in percent.
How to use this calculator
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Enter the monthly income (₹)
Type the value you want to compute against. The calculator accepts any number in the unit shown next to the field label.
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Set existing emi outgo (₹), interest rate (% pa), preferred tenure (months), loan type
Fill the remaining 4 fields so the calculator has everything it needs. Defaults are pre-loaded for a quick first look.
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Read the 5 results
Results show max emi affordable, max loan eligible, eligible tenure, interest rate applied, foir (%). The values update live as you change inputs.
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Copy or screenshot the result
Use the "Copy" button on the results panel to copy every value to your clipboard for sharing with a bank, lender, or financial advisor.
Methodology and sources
The calculator runs a standard financial formula on the values you enter. Verify the final numbers with your bank or financial institution before making any decision — banks update their fees, interest rates, and tax treatment without notice.
- 1. RBI — regulated entities list Find your bank's current rates, fees, and T&Cs before making any decision.