Home Loan Affordability Calculator

Monthly income, existing EMIs, and a target DTI ratio - see the maximum home loan (and home price) you can realistically afford.

Monthly income (net)

₹

Existing EMI obligations

₹

Desired loan tenure

years

Interest rate (annual)

Target debt-to-income ratio

Share of monthly income lenders typically allow toward all EMIs combined. 40% is a common benchmark.

Maximum affordable loan amount

₹34,56,925

at ₹30,000/month EMI, 20 years, 8.5% p.a.

Monthly income₹1,00,000

Affordable EMI budget (40% of income)₹40,000

Less: existing EMI obligations- ₹10,000

Maximum new EMI₹30,000

Maximum loan amount₹34,56,925

Home price this loan could support

At 10% down payment

₹38,41,028

At 20% down payment

₹43,21,156

Illustrative only - actual loan eligibility depends on the lender's own credit policy, your credit score, existing liabilities, and property valuation. Consult a bank or NBFC for an actual sanction.

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