Estimate how much home loan you may be able to get, based on your income, existing EMIs, age and loan terms.
Starting rates checked on 16 September 2026. Your rate may be a little different depending on your CIBIL score and profile. For the exact rate, please check with your preferred bank.
Enter your details and tap Calculate eligibility.
A home loan usually covers only a certain part of the property price.
You need to pay the rest as a down payment.
Here is an estimate based on your loan amount.
This estimate is based on the amount a bank may lend against the property value.
Stamp duty, registration and other buying costs are extra.
Want to plan the cash you need upfront? Use the Home Loan Down Payment Calculator.
See how much loan you may be eligible for if 40%, 50% or 60% of your monthly income goes towards all your EMIs.
| Monthly income used for EMIs | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| 40% of total income | ₹43.14 lakh | ₹49.65 lakh | ₹54.12 lakh | ₹57.2 lakh |
| 50% of total income | ₹53.93 lakh | ₹62.06 lakh | ₹67.65 lakh | ₹71.5 lakh |
| 60% of total income | ₹64.72 lakh | ₹74.47 lakh | ₹81.19 lakh | ₹85.81 lakh |
Based on a monthly income of ₹1,00,000, existing EMIs of ₹0 and age 30. 50% means ₹50,000 of your ₹1,00,000 monthly income is used for EMIs, including your existing EMIs.
To see the EMI and total interest for any of these loan amounts, use the Home Loan EMI Calculator.
Example: 50% of income used for EMIs, 7.5% interest rate, 20-year tenure, no existing EMIs, single applicant.
Tap any row to use those numbers in the calculator.
| Monthly take-home | EMI capacity (50%) | Estimated eligibility |
|---|---|---|
| ₹25,000 | ₹12,500 | ₹15,51,000 |
| ₹30,000 | ₹15,000 | ₹18,61,000 |
| ₹35,000 | ₹17,500 | ₹21,72,000 |
| ₹40,000 | ₹20,000 | ₹24,82,000 |
| ₹45,000 | ₹22,500 | ₹27,92,000 |
| ₹50,000 | ₹25,000 | ₹31,03,000 |
| ₹60,000 | ₹30,000 | ₹37,23,000 |
| ₹75,000 | ₹37,500 | ₹46,54,000 |
| ₹80,000 | ₹40,000 | ₹49,65,000 |
| ₹90,000 | ₹45,000 | ₹55,85,000 |
| ₹1,00,000 | ₹50,000 | ₹62,06,000 |
| ₹1,25,000 | ₹62,500 | ₹77,58,000 |
| ₹1,50,000 | ₹75,000 | ₹93,09,000 |
| ₹2,00,000 | ₹1,00,000 | ₹1,24,13,000 |
| ₹2,50,000 | ₹1,25,000 | ₹1,55,16,000 |
| ₹3,00,000 | ₹1,50,000 | ₹1,86,19,000 |
Eligibility is the loan amount a bank may be willing to lend you, based on your income and existing EMIs.
Affordability is the EMI and home price that fit comfortably in your monthly budget, after your household expenses and savings.
A bank may approve more than you can comfortably repay.
Before choosing a loan amount, check what fits your budget with the Home Loan Affordability Calculator.
Lenders look at several things before deciding how much to lend.
The main ones are:
These steps may help.
They do not guarantee approval.
The EMI calculation uses the standard reducing-balance method.
This calculator does not check:
That is why the result is an estimate, not an approval.
Lenders look at your income, existing EMIs, age, credit history, loan tenure and other details.
This calculator uses your income, existing EMIs, interest rate and tenure to estimate the amount you may be able to repay.
The final lender calculation can be different.
It depends on your existing EMIs, age, interest rate, tenure and lender rules.
Under our example assumptions of 50% EMI capacity, 7.5% interest, 20 years and no existing EMIs, the estimated eligibility is about ₹31.03 lakh.
Use the calculator for your own details.
Under the same example assumptions, ₹1 lakh monthly income gives an estimated eligibility of about ₹62.06 lakh.
Your actual lender result may be different.
Yes.
Your car loan, personal loan or other EMI reduces the amount of monthly income available for your new home-loan EMI.
It may.
Adding a family member is optional.
If the lender accepts their income, your combined income may support a higher loan amount.
The lender will also check the family member's age, income, credit profile and other details.
It can.
A longer tenure usually lowers the EMI for the same loan amount.
This can allow the same EMI capacity to support a larger loan.
But you may pay more interest over the life of the loan.
You can also cut interest later by prepaying.
The Home Loan Prepayment Calculator shows how much you could save.
Age can affect the maximum loan tenure.
If the loan has to end earlier, the same EMI may support a smaller loan.
Different lenders use different age and retirement rules.
50% is used here as a planning assumption.
It is not a rule used by every lender.
A lender may use a different method based on your income, debts and profile.
No.
This is only an estimate.
A lender will check your credit history, income documents, property, existing debts and its own rules before making a final decision.
It depends on the property price and the amount the lender is willing to finance.
This calculator gives an estimate using RBI loan-to-value limits.
You may also need money for stamp duty, registration and other buying costs.
The Home Loan Down Payment Calculator can help you plan it.
Our calculator gives you a planning estimate.
A bank may use more information, such as:
So your bank's number may be higher or lower than the number shown here.
That is normal.
The two calculations may simply use different information and rules.
This calculator gives an estimate based on the numbers and assumptions you enter.
It does not check your credit report or your eligibility with any lender.
Your actual loan amount can be different after the lender checks your income, credit history, documents, property and other details.
Last updated: 3 October 2026
EMICalculate.in is an independent calculator website.
We are not a bank, NBFC or loan agent.
We do not collect the numbers you enter in this calculator.
This page provides general information and is not financial advice.