EMI Affordability & Debt-Trap Check
A lender’s calculator shows the biggest loan you can get. This shows the EMI you can safely carry — using the same debt-to-income (FOIR) ratio banks use, but on your side. Everything runs in your browser.
Educational maths on your own numbers, using a common rule of thumb. It is not advice, a loan offer or a guarantee of approval — every lender sets its own limits.
What is FOIR?
FOIR (Fixed Obligations to Income Ratio) is the share of your monthly income that goes to loan EMIs. Lenders usually want it under 40–50%. Staying under 40% leaves room for rent, living costs, savings and an emergency fund — and keeps you out of a debt spiral where new loans repay old ones.