Loans
FOIR Calculator
The debt-to-income ratio lenders use to approve or reject you.
₹1.2 L
₹10,000₹1,20,000₹50 L
₹0₹25,000₹20 L
₹0₹3,000₹5 L
₹0₹0₹10 L
Your FOIR
23.33%
- Obligations23%
- Free income77%
- Total obligations
- ₹28,000
- Lender assessment
- Comfortable
- Headroom at 50% FOIR
- ₹32,000
What this means.Below 50% keeps you in the approvable range at most banks. Public sector lenders are often stricter than NBFCs.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
Your data stays with you
This calculator runs entirely in your browser. Your income, loan amount, salary and any other figure you type is never transmitted to Credsir or anyone else. Nothing is stored, logged or shared.