Free Calculator
FOIR Calculator — Fixed Obligation to Income Ratio
See what share of your income goes to EMIs, and how much more you can borrow within a bank's FOIR limit.
Your Details
Car, personal, credit-card and other loan EMIs.
Optional — the EMI of the loan you're considering.
Use your take-home pay and rough EMI figures — the ratio updates instantly and you can refine the numbers later.
Your current FOIR
15.0%
Comfortable
Banks typically approve home loans up to a 40–55% FOIR. Below 40% is comfortable; above 50% many lenders reduce the eligible amount or decline.
How much more can you borrow, by FOIR limit
| FOIR limit | Max total EMI | Spare EMI room | Additional loan |
|---|---|---|---|
| 40% | ₹40,000 | ₹25,000 | ₹28.81L |
| 45% | ₹45,000 | ₹30,000 | ₹34.57L |
| 50% | ₹50,000 | ₹35,000 | ₹40.33L |
| 55% | ₹55,000 | ₹40,000 | ₹46.09L |
Additional loan is what the spare EMI could service at 8.5% over 20 years. Actual eligibility varies by lender, CIBIL score and profile.
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How it works
How this calculator works
FOIR = (all your monthly EMIs ÷ net monthly income). Banks cap it around 40–55% — on a ₹1 lakh income with ₹15,000 of existing EMIs, a 50% FOIR leaves about ₹35,000 of EMI room, roughly a ₹40 lakh home loan at 8.5% over 20 years.
- 1
Enter your net monthly income
Use your take-home salary after deductions.
- 2
Add your existing EMIs
Include car, personal, credit-card and any other loan EMIs.
- 3
Add the proposed EMI (optional)
Enter the EMI of the loan you're considering to see your resulting FOIR.
- 4
Read your FOIR and borrowing room
See your ratio and how much more you can borrow within each FOIR limit.
Fair questions
Frequently asked questions
FOIR (Fixed Obligation to Income Ratio) is the share of your net monthly income that goes towards all fixed EMI payments, including the proposed new loan. Lenders use it to judge repayment capacity.
Most banks approve home loans up to a FOIR of 40–55%. Below 40% is comfortable; above 50% many lenders reduce the eligible amount or ask for a co-applicant. Higher-income borrowers are sometimes allowed a higher FOIR.
FOIR = (total monthly EMIs including the new loan) ÷ net monthly income, expressed as a percentage. For example, ₹40,000 of EMIs on a ₹1,00,000 income is a 40% FOIR.
Close or prepay existing loans, add a co-applicant to combine incomes, choose a longer tenure to lower the EMI, or increase your income. Each lowers the ratio and increases how much you can borrow.
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Reviewed by Ekatra's home-loan experts · Calculations are indicative; consult a financial advisor for personalised advice.
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