Better than an EMI calculator — uses your combined income, real monthly expenses, and existing obligations to tell you the actual maximum loan you can afford.
Monthly Income
Monthly Obligations
Loan Details
Maximum Loan You Can Afford
₹64.53 L
EMI: ₹56,000 / month
Monthly EMI
₹56,000
Total Interest
₹69.87 L
Disposable Income
₹1.00 L
after expenses
FOIR
40%
ideal: under 40–50%
Income Breakdown
✓ Good FOIR — most lenders will approve
Your combined income comfortably supports this loan. Applying as co-borrowers can further improve your interest rate.
Combined income
We add both partners' take-home income. Applying as co-borrowers is one of the fastest ways to qualify for a larger loan.
Real expenses first
Unlike basic EMI calculators, we subtract your actual monthly obligations before calculating what you can afford.
FOIR check
Indian banks use Fixed Obligation to Income Ratio (FOIR). We cap your new EMI so your total FOIR stays under 40% — the safe zone.
Max loan
We back-calculate the largest loan whose EMI stays within your affordability limit at your chosen rate and tenure.
Already have a home loan?
See how a prepayment changes your schedule — reduce tenure or lower your EMI.
Open a shared Coupl account for your joint expenses — matching cards, shared tracking, zero balance.