RapidCheck

Home Loan Affordability Calculator (by EMI)

Find the home loan your income supports at a comfortable EMI.

Last updated: 21 Aug 2026

Quick answer

Lenders cap your total EMIs at about 50% of net income (FOIR); the affordable EMI, at your rate and tenure, sets the loan you can take. Add your down payment to get the home budget. Enter your income, EMIs, rate and tenure above.

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Find the home loan you can afford from your income using the FOIR rule — total EMIs within ~50% of net income — converted into a loan at your rate and tenure. Add your down payment for the full home budget.

How to find your home loan affordability

  1. 1 Enter your net monthly income and existing EMIs.
  2. 2 Add the home-loan rate and tenure.
  3. 3 We show the affordable EMI and loan amount.

Frequently asked questions

How much home loan can I afford?
Keep total EMIs within ~40–50% of net income; that affordable EMI, at your rate and tenure, gives the loan amount.
How do I get the home budget?
Add your down payment (savings) to the affordable loan amount.
Does it consider credit score?
No — this is income-based. Your actual sanction also depends on credit score and lender policy.

Related checkers

Home Affordability Calculator Home Loan EMI Calculator Down Payment Calculator