Finance · Free Tool
EMI affordability checker
Find out the maximum EMI you can comfortably afford — based on your income, essential expenses, and a safety buffer.
EMI affordability
Safe disposable income—
Safe EMI range (40% FOIR)—
Max affordable EMI—
Caution EMI (50% FOIR)—
Verdict—
FOIR (Fixed Obligation to Income Ratio) is the standard lender benchmark. Banks typically cap at 40–50%.