Affordability & Budget Planner
What Can You
Actually Buy?
Work backwards from your income and self-funds to a realistic property budget — before you fall in love with something out of reach.
Most buyers start with a property they like and hope the numbers work. The honest way is the reverse: start with what a lender will lend you and what you can put down, then shop inside that number. This planner does exactly that — using FOIR, the ratio banks actually use to size a loan against your income.
Everything runs privately in your browser. Nothing is sent anywhere, and nothing is stored. Adjust the inputs to see how income, obligations, rate, and tenure move your budget.
Affordability Planner
Work backwards from what you earn to the property budget you can consider. Every input is editable.
You Can Consider Properties Up To
₹1.94 Cr
How This Is Worked Out
- 1. Banks cap total EMIs at your FOIR — here 50% of income, i.e. ₹1.50 L / month.
- 2. Subtract existing obligations (₹0) to get the EMI a new loan can use: ₹1.50 L / month.
- 3. That EMI, at 9.5% over 15 years, supports a loan of ₹1.44 Cr.
- 4. Add your self-funds to land on your property budget.
Estimates only — not financial advice. Figures are indicative; consult a Sachdeva Estates advisor before deciding. Actual loan eligibility depends on the lender’s credit policy, your credit score, income documentation, property valuation, and prevailing rates.
Want a budget matched to real inventory?
We’ll map this to available pre-leased and commercial assets in the Tricity.
Questions
Frequently Asked
How does this affordability calculator work?
It works the loan maths backwards. Banks cap your total EMIs at a share of income called FOIR (Fixed Obligation to Income Ratio) — typically 40–55%. We take that ceiling, subtract EMIs you already pay, and reverse the EMI formula to find the loan that remaining EMI can service at your chosen rate and tenure. Adding your down payment or self-funds gives the total property budget you can consider.
What is FOIR and why does it matter?
FOIR (Fixed Obligation to Income Ratio) is the maximum percentage of your monthly income a lender will let go toward all EMIs combined. If your FOIR limit is 50% and you earn ₹3,00,000 a month, the bank allows up to ₹1,50,000 in total EMIs. Any EMIs you already carry are subtracted from that ceiling before a new loan is sized, which is why existing obligations directly shrink your budget.
Is this calculator financial advice?
No. It gives an indicative estimate to help you plan. Actual loan eligibility depends on the lender’s credit policy, your credit score, income documentation, property valuation, and prevailing interest rates. Always confirm figures with your bank and a Sachdeva Estates advisor before committing.
What if my existing EMIs already exceed my FOIR limit?
Then a fresh loan is not serviceable on those numbers, and the calculator shows your budget as your self-funds alone. Clearing or reducing current obligations, extending tenure, or increasing income would restore loan headroom and raise the budget.
Ready to match a budget to real inventory in the Tricity?
Talk to a Sachdeva Estates Advisor