What a loan actually costs
A headline interest rate is not the price of a loan. Processing fees, tenure, prepayment charges and GST all move the real number, and lenders are not required to put them in one place. We do. Everything below runs on standard formulas and RBI-published rules, with every assumption written down.
Which question are you actually asking?
“How much can I borrow?” Lenders answer this with a ratio, not a feeling. Start with FOIR, the ratio Indian banks actually apply, and run your own numbers in the FOIR calculator. The DTI calculator gives a lender-agnostic second opinion. For a property specifically, read how home loan eligibility is assessed and use the home loan eligibility calculator.
“What will it cost me every month?” The EMI calculator works for any loan; the home loan and personal loan versions come pre-set to those products. If you want the affordability question rather than the arithmetic, how much EMI can you actually afford works it through with real numbers.
“I earn ₹50,000. What does that get me?” Two guides answer this directly: how much loan or EMI on a ₹50,000 salary across personal, home and car loans, and how much home loan on ₹50,000, which adds the Loan-to-Value check most estimates leave out.
“I have spare money — should I clear the loan early?” Sometimes yes, sometimes no, and the charge decides it. Home loan prepayment is usually free on floating rates by RBI rule; personal loan prepayment usually is not. Run yours through the prepayment calculator or the foreclosure calculator where a closure charge applies.
“I am borrowing for a business.” Lenders read a business application through DSCR before almost anything else. What DSCR measures and where EBITDA misleads, and the DSCR calculator to check yours.
Before you borrow — what can you actually get?
FOIR Calculator
The ratio most Indian lenders actually apply to decide what you can borrow.
Check your FOIR → LiveDTI Calculator
Debt-to-income, the lender-agnostic view of how stretched your income already is.
Check your DTI → LiveHome Loan Eligibility Calculator
Income capacity and Loan-to-Value, the two checks every home lender applies.
Check eligibility → LiveFOIR Explained
What counts as an obligation, and why every bank gives you a different answer.
Read the guide → LiveHome Loan Eligibility in India
Income, FOIR, score, tenure, employment type and co-applicants, and how they fit together.
Read the guide → LiveHow Much EMI Can You Afford?
Not “30% of salary” — the FOIR method lenders actually use, worked through.
Read the guide →What it costs every month
EMI Calculator
Any loan, any rate, any tenure. The standard reducing-balance formula, shown in full.
Calculate EMI → LiveHome Loan EMI Calculator
Pre-set to home loan tenures and rates, with the total interest over the full term.
Calculate EMI → LivePersonal Loan EMI Calculator
Shorter tenures and higher rates change the interest picture sharply. See by how much.
Calculate EMI → Live₹50,000 Salary: How Much Loan?
Personal, home and car estimates on one salary, and why existing EMIs matter more.
Read the guide → LiveHome Loan on ₹50,000 Salary
Income capacity and Loan-to-Value worked out exactly, with a table for other incomes.
Read the guide →Getting out early
Loan Prepayment Calculator
What a lump sum saves, and whether to cut the EMI or cut the tenure.
Run the numbers → LiveForeclosure Calculator
Closing a personal loan early, with the foreclosure charge and GST counted in.
Run the numbers → LiveHome Loan Prepayment
A ₹5 lakh prepayment on a ₹30 lakh loan, and the RBI rule that makes it free.
Read the guide → LivePersonal Loan Prepayment
Unlike floating home loans, these carry a real charge. When it still saves money.
Read the guide →Borrowing for a business
Card debt is borrowing too — at the highest rates
Minimum Due Calculator
What paying only the minimum really costs, in years and in rupees.
See the real cost → LiveCard Payoff Calculator
How fast a fixed monthly payment clears the balance, and what it costs to get there.
Plan the payoff → LiveBalance Transfer Calculator
Whether moving the balance actually helps once the transfer fee is counted.
Compare options → LiveCredit Card EMI Calculator
The true cost of converting a purchase to EMI, processing fee and GST included.
Calculate EMI cost → LiveThe Real Cost of the Minimum Due
A ₹50,000 balance can take almost 17 years and cost more than the balance itself.
Read the guide → LiveCredit Card EMI Explained
A processing fee and GST sit under every conversion, including “no-cost” ones.
Read the guide →Not a lending service
We are not a bank, an NBFC or a lending service provider. We do not accept loan applications, we do not pass your details to lenders, and there is no form on this site that leads to one.
Every figure is indicative
Our calculators use the standard reducing-balance formula and the rules lenders publish. Your actual sanction depends on the lender’s own credit policy, which no calculator can see.
How we make money
Where a link earns us a commission we say so on the page. It never changes what a calculator returns or how a guide is written. How we make money.