FOIR Calculator

Check your fixed-obligation-to-income ratio for approval.

Monthly income₹80,000

₹15,000₹5,00,000

Existing loan EMIs₹10,000

₹0₹2,00,000

Credit card dues (monthly)₹5,000

₹0₹1,00,000

18.8%

Healthy FOIR

81%

Income available for new EMI

Most lenders prefer a FOIR under 40–50%. Lower is better for approval.

Ready to apply?

Check your eligibility across RBI-regulated partners in under a minute — no credit score impact.

Plan your monthly repayments across amount, rate and tenure.

Estimate how much you can borrow based on your income.

Compare interest rates and EMIs across lending partners.

What is a good FOIR?+

Most lenders prefer a FOIR (fixed obligations to income ratio) below 40–50%. A lower FOIR improves your approval chances and eligible amount.