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Home Affordability
What would this home do to your monthly household cash flow?
Combine the required home loan, estimated EMI, existing EMIs and essential household expenses. The tool does not declare a home affordable based on one universal percentage.
Affordability is more than EMI
Down payment, emergency reserves, transaction costs and other family goals matter too.
Enter household income, expenses, existing EMIs and the target home details.
Cash left after EMIs and essentials
What this means
Required home loan
Estimated new EMI
All EMIs / take-home
New EMI / take-home
Total monthly committed outflow
Total interest over tenure
Does not include stamp duty, registration, interiors, maintenance, moving costs or an emergency reserve.
Use the leftover cash, not just the EMI ratio
Two households can have the same EMI-to-income ratio and very different realities because essential expenses, dependants and other goals differ.
Illustration only. Lenders use their own eligibility rules. MoneySastra does not determine loan eligibility.