TooL Void
Loan eligibility + financial health analyzer

Know what you can borrow before the bank tells you.

Analyze DTI, estimate safe EMI, model salary growth, compare loan tenures, and see whether your finances support the home or personal loan you want, all in one live dashboard.

Max new EMI₹22,500

The extra EMI your current budget can safely handle.

Eligible loan₹25,92,694

Live estimate based on rate, tenure, DTI, and monthly surplus.

Affordability score92/100

Color-coded confidence signal using income, costs, and leverage.

Risk zonerisky

Based on DTI and EMI burden after taking the new loan.

Advanced eligibility engine

Set income, obligations, rate, and tenure. The tool calculates safe EMI capacity, dynamic eligibility, financial health, and risk band in real time.

risky
₹50,000Main salary
₹0Side income or spouse income
₹15,000Rent, bills, groceries, lifestyle
₹0Current debt obligation
8.5%Annual rate
20 years240 months

Financial health dashboard

See where your income goes today, what EMI load you can add, and how your leftover savings position looks after debt.

Gross monthly income₹50,000Combined income available for this calculation.
Estimated free cash₹35,000Monthly room left after expenses and current EMI.
BudgetMix
ExpensesEMI loadSavings space
Expenses₹15,000Current monthly non-EMI outflow.
New EMI room₹22,500Additional EMI this profile can safely support.
Savings buffer₹35,000Residual cash after expenses and existing EMI.
Future burden41.67%First-year EMI burden estimate in the growth model.

What-if simulator and future projection

Stress-test the loan by simulating salary growth and checking how EMI burden relaxes over the next five years.

8%Annual growth assumption
₹50,00,000Shows salary needed below
Required income for target₹96,425Estimated monthly income needed to keep EMI near the 45% ceiling.
Monthly burden after loan₹22,500Existing EMI plus the maximum new EMI this profile can safely carry.
Viral check: Can you afford a ₹1Cr home? Not yet. You are short by ₹74,07,306. Salary needed for ₹50L loan: ₹96,425 per month estimated.

Loan comparison by tenure

See how the same affordability cap behaves across different loan durations, and what EMI a target loan would require.

TenureEligible loanTarget EMISignal
10 years₹18,14,726₹61,993Below goal
15 years₹22,84,868₹49,237Below goal
20 years₹25,92,694₹43,391Below goal
25 years₹27,94,243₹40,261Below goal
30 years₹29,26,207₹38,446Below goal

Suggestion engine and history

Save scenarios, restore them later, and use the built-in tips to improve eligibility before applying.

Improvement tip 1You are in the risky zone. Aim to keep total EMI below 40% of household income for safer approval odds.
No saved scenariosUse Save Result to keep the current snapshot.
Single-file client route with inline financial logic, local history, responsive dashboard layout, and the `#E879F9` theme.