Should you take this debt, and at what cost?
Decide affordability, loan choice, prepayment, and debt-clearance strategy — without stretching your monthly cash flow.
Tools in this cluster
Home Loan EMI Calculator
Plan your home loan EMI, total interest outgo, and balance schedule with current Indian lender assumptions.
EMI Calculator
Calculate the monthly EMI, total interest, and year-by-year balance for any loan in seconds.
Loan Eligibility Calculator
Estimate the maximum home loan you're likely to be sanctioned based on the FOIR rule banks use.
Loan Affordability Calculator
Estimate the home loan EMI and property budget you can safely afford without stretching your monthly cash flow.
Loan Comparison Calculator
Compare EMI, total interest, fees, and overall borrowing cost before choosing between loan offers.
Amortization Calculator
See the full year-by-year breakdown of interest, principal, and outstanding balance for any loan.
Prepay vs Invest Calculator
Compare whether a lump-sum amount should reduce your loan outstanding or stay invested for long-term growth.
Debt Payoff Planner
Plan which debt to clear first and see how extra monthly payments can accelerate becoming debt-free.
Comparison pages
How to use this cluster
Borrowing decisions get harder as the numbers get larger. These tools focus on the monthly budget impact of debt, the lifetime cost of a loan, and the trade-offs between clearing debt and investing. Use them in order: check affordability first, then compare offers, then decide how to optimise the loan once it's on the books.
Guided flow
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Walk through every input of this cluster in one place with the flagship hub. Your inputs sync across every tool on the platform.
Open the hubFrequently asked
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
What EMI ratio is actually safe?
Keep total EMIs under 35-40% of monthly take-home. The Borrow cluster tools default to 35% and warn when you push beyond it.
Should I clear debt or invest surplus cash?
Clear anything above 12% APR first. Use the prepay-vs-invest tool to decide between home-loan prepayment and investing — it depends on the gap between your loan rate and expected return.
Is a lower EMI always better?
No. A lower EMI usually means a longer tenure and more total interest. The loan comparison calculator ranks by total cost, not EMI alone.