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Reverse EMI Calculator

Start from the EMI you are comfortable paying and find the loan amount it supports. Optionally, check it against a typical income-based limit.

🔁 EMI → Loan amount• Opens straight into the full EMI schedule

Your Repayment Capacity

₹
%
Yrs
Optional — income check
₹
%
₹

Lenders typically cap total EMIs at 40–60% of net income (FOIR). Policies vary by lender.

Maximum Loan Amount
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Total Payable
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Total Interest
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View full repayment schedule →

How it works

Loan amount = EMI × [(1 + r)n − 1] ÷ [r × (1 + r)n], where r is the monthly interest rate (annual rate ÷ 12) and n is the number of monthly instalments. This is the reverse of the standard reducing-balance EMI formula used by Indian banks and NBFCs.