Home Loan Affordability Calculator
Estimate how much home loan you may be able to afford based on your income, existing EMIs, interest rate and preferred tenure.
Your Financial Details
Monthly Net Income₹1,00,000
Existing Monthly EMIs₹15,000
Interest Rate8.50%
Preferred Tenure20 Years
Maximum EMI-to-Income Ratio50%
The estimate uses your selected EMI-to-income ratio and subtracts your existing monthly EMIs.
Estimated Home Loan Affordability
Indicative Maximum Home Loan—
Affordable Home Loan EMI—
Available EMI Capacity—
Estimated Total Interest—
Estimated Repayment—
This is an affordability estimate, not a loan approval. Actual eligibility can also depend on age, credit profile, employer/business profile, property details, lender policy and other obligations.
Income & EMI Capacity
| Tenure | Affordable EMI | Indicative Loan | Estimated Interest | Total Repayment |
|---|
How it works: The calculator sets an indicative maximum EMI as a percentage of monthly net income, subtracts existing EMIs, and converts the remaining EMI capacity into an estimated loan amount using the standard reducing-balance EMI formula. Results are indicative and lender calculations may vary.