Loan Affordability Calculator

How much you can borrow — and your home budget.

Weighing a loan against your other goals?

See how this EMI fits with your investments and protection before you commit.

Get your detailed report

Optional. A PDF with your inputs, results, scenarios and suggested next steps — and a call from our team to walk you through it.

About this calculator

Banks look at what share of your income goes to EMIs. See the EMI you can afford, the loan it supports and your home budget with your down payment.

How is this calculated?

Affordable EMI = take-home income × EMI share − existing EMIs. Loan = EMI × ((1 + r)^n − 1) ÷ (r × (1 + r)^n).

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.