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EMI Planner
What would this loan do to your monthly cash flow?
First calculate the EMI and full repayment. Then, if you want, add household income and existing EMIs to see the loan in the context of your own cash flow.
No universal “safe EMI” rule
Households differ. MoneySastra shows the ratios and the cash left after EMIs; it does not declare a single percentage safe for everyone.
Enter the proposed loan terms. Add household income only if you want an affordability view.
Estimated monthly EMI
What this means
Total interest over tenure
Total repayment
New EMI / take-home
All EMIs / take-home
EMI if rate were +1%
EMI if rate were +2%
Look beyond the EMI quoted in an advertisement
A longer tenure can reduce the monthly EMI while increasing the total interest paid. If the loan is floating-rate, the future EMI or tenure can also change. For the actual borrowing cost, check the lender’s Key Facts Statement and APR, along with fees and other loan conditions.
Illustrative calculation only. Actual lender calculations can differ because of reset dates, fees, insurance, prepayments, day-count conventions and rounding. RBI guidance referring to KFS / APR ↗