This calculator helps you estimate how much loan you can get based on your monthly or annual salary, existing EMIs, and the bank’s eligibility criteria.

Loan eligibility is usually 50–60% of your monthly take-home salary after deducting existing EMIs. It also depends on the loan tenure and interest rate.

You’ll need to enter your monthly salary (in-hand), current EMIs if any, preferred interest rate, and loan tenure. The tool instantly shows your eligible loan amount.

Yes, it can be used for personal loans, home loans, education loans, and car loans – though banks may have different internal criteria for each type.

Most banks require a minimum monthly salary of ₹15,000 to ₹25,000 for salaried individuals, but this may vary depending on the loan type and lender.

Yes, working for a reputed company, government job, or MNC often improves your loan eligibility. Some banks offer better terms to salaried individuals in stable jobs.

No, it’s an estimate. Final eligibility is decided by the lender based on income, credit score, job profile, bank statements, and internal credit policies.

Yes, this calculator is completely free, secure, and can be used as many times as you want without login or personal data.