How much could you actually borrow?

FOIR (Fixed Obligation to Income Ratio) is the share of your net monthly income that lenders allow to go towards all EMIs combined. Most cap it at 50–60% for salaried applicants and slightly lower for the self-employed. It is the single biggest constraint on how much you can borrow.

This calculator works from income alone. Lenders also weigh your CIBIL score, employment stability, age at loan maturity, the employer category, and, for secured loans, the property's value and legal standing. Any of these can move the final number up or down.

Add an earning co-applicant, close or consolidate small existing loans, choose a longer tenure, improve your credit score before applying, or declare income sources you haven't documented. A co-applicant is usually the fastest lever.

Indirectly but meaningfully. A stronger score gets you a lower interest rate, and a lower rate means the same affordable EMI supports a larger principal. It also makes lenders willing to apply a more generous FOIR.

Partly. Lenders typically average variable pay (bonus, incentive, overtime) over the last two years and count a conservative share of it. Consistent, documented variable income counts for far more than a single good year.