Commitments
₹25,000 a month. Can you actually carry it?
What it leaves you with, and how close it puts you to the line lenders stop at.
- 28%
- ₹19,000
The link carries your numbers, so whoever opens it sees this exact result. Nothing is saved on our side.
Your numbers, your assumptions. Not advice. We can't see the rest of your life. What that means.
Rent, an EMI, a subscription, whatever you're weighing up
What actually lands in your account, not your CTC
What this assumes
All editable. Change one and the answer changes with it.
Leave at none if this commitment IS the rent
Every loan repayment, added together
Indian lenders usually cap total fixed obligations at 40–50% of income for salaried applicants. It's their practice, not a rule, so it's yours to change.
How this works, and where the numbers come from
The ratio lenders actually use
It's called FOIR, fixed obligations to income ratio. Add up everything you're committed to every month, divide by what you earn, and that's the number a bank looks at before it looks at you. Indian lenders usually stop somewhere between 40% and 50% for a salaried applicant.
That's their practice, not a rule, and it's about their risk rather than your life. The same ratio means different things depending on savings, dependants, job security and how variable your income is, none of which this page can see. The ceiling above is yours to move for exactly that reason.
What "left over" doesn't include
The figure here is what remains after this commitment, your rent and your EMIs. It still has to cover food, travel, bills, and anything you're saving. If the remainder looks larger than your month feels, the gap is usually the spending nobody counts as a commitment.
This is educational, not advice, and it isn't a lending decision. Your numbers under assumptions you can see and change.
Questions people ask
What is FOIR?
Fixed Obligation to Income Ratio, your total fixed monthly commitments divided by your monthly income. It is the number a lender looks at before approving anything. Indian lenders commonly stop between 40% and 50% for salaried applicants.
Do lenders count my rent as an obligation?
Generally yes. Rent is a fixed monthly commitment, so most lenders include it alongside EMIs when working out how much more you can take on.
What does a 50% ratio actually mean?
That half your take-home is already committed before anything else. It is around the upper end of what many lenders allow, and it says nothing about savings, dependants, job security or how variable your income is, none of which we can see. The same ratio means very different things to two people on the same salary, which is why the ceiling here is yours to change.
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