Frequently asked questions
Everything about how EMI Analyzer works and handles your data.
Do you store my payslip or my data?
No. Your payslip is read in memory and discarded. We never save your name or your employer's name.
Is EMI Analyzer free?
Yes, completely free. No signup, no credit card, no hidden charges.
What documents can I upload?
A payslip as a PDF or a photo (JPG/PNG). Scanned and password-protected PDFs both work.
How is my loan eligibility calculated?
We apply the FOIR (Fixed Obligation to Income Ratio) method banks use on your net salary, then check the result against loan-to-value limits for home loans. You can pick which bank's policy to use (Axis, SBI, HDFC, or ICICI) since FOIR and rates vary by lender.
Is this a loan approval or offer?
No. This is an instant estimate for planning purposes, not a loan approval from any bank or lender.
What if my payslip is password-protected?
You can enter the PDF password when prompted. We use it only to unlock the file for reading, and it isn't stored.
Does this affect my credit score?
No. There's no credit check or loan application involved. This only reads your payslip and does math.
Can I use this for a car loan or personal loan too?
Yes. Every report includes eligibility estimates for home loan, car loan, and personal loan based on the same salary data.