Home Affordability Calculator
Before you fall in love with a home, find out what you can comfortably afford. Enter your income, existing EMIs and savings to get an indicative budget and eligible loan amount.
Indicative only. We assume up to ~50% of income can go to EMIs (your lender's FOIR may differ), and add your down-payment savings to the eligible loan. Actual eligibility depends on credit score, employer, age and lender policy.
How to read your result
Your affordable budget is an estimate of the eligible loan (based on the EMI you can comfortably carry) plus the down payment you've saved. It's a starting point, not a lender approval — your final eligibility depends on your credit score, employer, age and the lender's policy. Remember to keep extra cash aside for stamp duty, registration, and moving-in costs.
Frequently asked questions
How much home can I afford on my salary?
A common rule is that your total EMIs should stay within about 40–50% of your net monthly income. Your affordable home budget is roughly your eligible loan (based on that EMI) plus your down-payment savings.
What is FOIR in home loan eligibility?
FOIR (Fixed Obligation to Income Ratio) is the share of your income that goes to all EMIs and fixed obligations. Lenders usually cap FOIR around 40–50%; a lower FOIR improves your eligibility.
How much down payment do I need?
Lenders typically fund up to 75–90% of the property value, so plan for a down payment of about 10–25% plus stamp duty, registration and other costs.
What else affects my loan eligibility?
Your credit score, age, employer profile, income stability and existing obligations all influence how much a lender will offer and at what rate.
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