Reverse EMI Calculator

A reverse EMI calculator works backwards from a normal EMI calculator. Instead of entering a loan amount to find the EMI, you enter the EMI you can afford (or your salary), the interest rate and tenure, and it tells you the maximum loan amount you can take. It's ideal for budgeting before you apply for a loan.

At 8.5% interest for 20 years, an affordable EMI of ₹25,000 supports a loan of about ₹28.8 lakh. At a shorter 10-year tenure the same EMI supports roughly ₹19.4 lakh, because more of each payment goes to principal. Use the calculator above to try your own EMI.

Lenders apply the FOIR (Fixed Obligation to Income Ratio) rule: your total EMIs, including the new loan, should stay within about 40–50% of your net monthly income. The calculator multiplies your income by this percentage, subtracts existing EMIs to get your affordable EMI, then reverses the EMI formula to find the maximum loan.

As a rule of thumb, keep all your EMIs combined within 40–50% of your net monthly income. For home loans, lenders often allow up to 50%; for unsecured loans they may cap it lower. Staying below this keeps your finances comfortable and improves approval chances.

Yes. For the same EMI, a longer tenure supports a larger loan because the repayment is spread over more months. However, a longer tenure also means you pay significantly more total interest over the life of the loan, so balance affordability against total cost.

No. This is an estimate based on your EMI/income, rate and tenure. The actual amount a bank sanctions also depends on your CIBIL score, employment profile, existing obligations, and the loan-to-value (LTV) limit on the asset being financed.