Loan & Affordability

How much home can you actually afford?

Enter your income and obligations to see your eligible loan amount, EMI, and affordable property price — or flip it around and find the income needed for a home you already have in mind.

Your details

Most banks won't let the loan run past this age, even if you ask for a longer tenure.
Assumed rate — current market range is roughly 7.10%–10%+ depending on credit profile and lender. Check current bank rates before relying on this. Last checked: Aug 2026.
Most banks cap total EMI outgo (including existing loans) at 40–60% of net monthly income. This is the single biggest lever in what you're "eligible" for.
Home loan interest deduction on a self-occupied home only applies under the old regime.
Used to estimate how much these deductions are actually worth to you in rupees.

Your numbers

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Monthly income
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→ Max EMI capacity (after existing EMIs)
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→ Eligible loan amount
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Affordable property price
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+ Your down payment
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FOIR used0%
Your real monthly cost, after tax savings (avg over tenure)
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→ Total tax saved over the full loan tenure
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→ Total interest you'll pay, over the full tenure
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→ Net real interest cost, after tax savings
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Estimates only, based on standard EMI/FOIR formulas — actual eligibility varies by lender, credit score, and co-applicant income. Not financial advice.

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Based on your calculated numbers above

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