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 India
How much will this home loan really cost — EMI, total interest, and whether a shorter tenure saves you more than a lower rate?
EMI Calculator
What's the monthly EMI, how much goes to interest, and what happens if you change the rate or tenure?
Loan Eligibility Calculator
How large a home loan will banks actually sanction you? Apply the FOIR rule lenders use, see what a co-applicant or clearing existing EMIs unlocks, and stress-test it against a rate hike before you apply.
Loan Affordability Calculator
Can your cash flow actually carry this EMI without wrecking the rest of your plan? See a safer home budget (not lender maximum), what trimming expenses or clearing existing debt unlocks, and a stress test for a rate hike before you commit.
Loan Comparison Calculator
Which lender offer is actually cheaper once fees, tenure, and rate all interact? Compare two loan offers on total cost (not just EMI), see what negotiating 0.5% off the winner or waiving the fee does to the bottom line, and pick with confidence.
Amortization Calculator
How much of every EMI goes to interest versus principal, and when does the balance finally start shrinking? See the full year-by-year schedule, spot the prepayment sweet spot, and test how a shorter tenure or a rate cut changes the whole trajectory.
Prepay vs Invest Calculator
Should your next ₹1 lakh kill loan interest or grow in an index fund? See the net benefit over your loan's remaining life.
Debt Payoff Planner
Which debt should you attack first, and how fast can you actually be debt-free? See the payoff order the avalanche method recommends, exactly how many months your extra payment saves, and what doubling it (or switching to snowball) does to the timeline.
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.