Borrowing-capacity utility

Debt-to-Income and FOIR Calculator

Measure total debt obligations against gross and net monthly income and estimate remaining EMI capacity.

Calculate debt ratios

Gross DTI
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Net-income FOIR
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Remaining EMI capacity at target—
Lender thresholds are not personal financial-safety guarantees.

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Educational calculator · Reviewed 14 July 2026 · Official law, portal data and professional judgement prevail. Methodology Editorial policy Legal and disclaimer