This calculator estimates how much loan a self-employed person or professional can get based on their average income as per the last 2 years’ ITR (Income Tax Returns).

This tool is ideal for self-employed individuals, freelancers, professionals, and business owners who don’t have a fixed salary but file ITR regularly.

The calculator takes the average net income (after expenses) declared in your last 2 ITRs and estimates your eligible loan amount based on bank norms, tenure, and interest rate.

You’ll need to enter the net income from ITR for the last two financial years, preferred loan tenure, expected interest rate, and any existing loan EMIs.

Most banks require a minimum annual ITR income of ₹2 to ₹3 lakh for personal or business loans. However, it varies by loan type and bank policy.

No, this calculator provides an estimate. Final approval depends on lender verification, credit score, banking history, and other documents.

Yes, you can use this tool to estimate loan eligibility for home loans, business loans, and car loans, provided your ITR reflects stable income.

Yes, this ITR-based loan eligibility calculator is completely free, easy to use, and does not require any login or personal details.