Credit Card / Loan Eligibility

Estimate a safe EMI and approximate loan eligibility using income, current EMIs and credit score. This is an educational estimate based on a simple DTI (debt-to-income) model.

Monthly Net Income Existing Monthly EMIs Credit Score (300–900) Expected Interest Rate (%) Tenure (months)

Estimate

Safe EMI

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Eligible Loan

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DTI After

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We cap total EMIs to a % of income based on score: 35% (≥780), 33% (720–779), 30% (650–719), 25% (<650). Actual lender rules vary.

How to Use

Enter your monthly net income and existing EMIs.
Set your credit score, expected interest rate, and loan tenure (in months).
Click Check Eligibility to see your safe EMI, eligible loan amount, and post-loan DTI percentage.

Key Features

Score-aware DTI cap (35%, 33%, 30%, 25%) based on credit score tiers.
Reverse EMI formula to calculate loan principal.
Quick and easy debt-to-income percentage calculation.

This calculator provides educational estimates only. Actual lending criteria may vary.

FAQs

Why does the Safe EMI headroom show zero?

If your existing EMIs are high, your safe EMI headroom may end up as zero or negative.

Is this calculator applicable for credit card limits?

This tool estimates installment loan eligibility; credit card limits are determined by different criteria.