Calculator
Loan Affordability Calculator
A conservative take — protects your savings target and emergency headroom.
dhanmetrics.com · Educational illustration only · Not investment advice
Recommended loan amount
₹12,09,924
₹10.5K/mo EMI keeps your savings target intact
What this means
Affordability is the conservative cousin of eligibility. After ₹30.0K/mo expenses, ₹15.0K/mo savings target, and ₹0 existing EMIs, you have surplus left. Pinning the EMI at 30% of that surplus gives ₹12.1L — a loan you can service without choking the rest of your financial plan.
What if you…
Got a 7.5% rate (1% lower)
₹13.0L
+₹93.5K
Cut monthly expenses by ₹10K
₹15.6L
+₹3.5L
Trimmed savings target by ₹5K
₹13.8L
+₹1.7L
Educational illustration. Banks will approve more (see Loan Eligibility) but affordability protects your long-term plan from the EMI eating it.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Find a loan size you can comfortably handle, not just the one a bank will approve.
Protect your SIP / emergency fund / retirement. This is set aside before we calculate what loan you can afford.
% of remaining disposable income you’re willing to commit to the new EMI. Conservative: 25–35%. Aggressive: 40–50% (close to bank’s FOIR cap).
Loan breakdown