About EMI Analyzer
Upload a payslip, get an instant, free estimate of what home, car, or personal loan you could qualify for. No bank visit, no paperwork.
How it works
Step 1
Upload your payslip
A PDF or a photo works. We read the text ourselves, including scanned payslips.
Step 2
We extract your salary
Net salary, deductions, and existing EMIs are pulled from the payslip automatically.
Step 3
Get your eligibility
See your maximum home, car, and personal loan amounts, with tenure and indicative rates.
What we calculate
Home loan
Car loan
Personal loan
The formula behind it
We apply the lender's FOIR (Fixed Obligation to Income Ratio) policy to your average net salary to find your eligible EMI, subtract any existing EMIs, then convert that into a loan amount using an indicative interest rate and eligible tenure, capped at 30 years or until you turn 60, whichever is sooner. Home loans are additionally capped by the property's loan-to-value (LTV) limit.
FOIR by net monthly income (Axis Bank, default)
FOIR, interest rates, and LTV limits vary by lender. On the home page you can pick which bank you're checking against (Axis, SBI, HDFC, or ICICI) — figures shown are indicative approximations, not any bank's official policy.
Good to know
We don't store your data
Your payslip is read and discarded. Read our Privacy Policy.
Estimate, not an offer
This is a planning tool, not a loan approval. See our Terms.
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