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%.