A 60-second gut check
Before you take the loan, see what the EMI will actually do to your salary.
Enter your salary, existing EMIs and proposed EMI to find out whether the new loan is comfortable, risky or too expensive for your income.
This is an educational budgeting tool, not financial advice.
Use the amount that actually reaches your bank account each month.
EMI Health Score
Your score is mainly based on how much of your monthly take-home income would be committed to EMIs.
These are this tool's own budgeting guidelines, not official banking rules.
Based on keeping total EMIs within 30% of your take-home income — our budgeting guideline, not a lending eligibility rule.
New EMI: ₹0
Disclaimer: EMI Reality Check is an educational budgeting tool. Its scores, thresholds and recommendations are simplified guidelines and do not represent official lending criteria or personalized financial advice.