Loans & Debt
Car affordability calculator
Precise EMI math, ownership costs, debt burden, and a clear verdict on whether this car fits your income - not just whether a bank will approve the loan.
Deal inputs
Use L / Cr shortcuts (e.g. 12L). Amounts update results live.
Ex-showroom + RTO + insurance pack if bundled
30.0% of on-road price
Home loan, personal loan, credit EMI, etc.
Ownership costs
Fuel, service, insurance, and parking - the costs banks ignore.
Affordability score
100/100
Monthly EMI
₹17,642
14.7% of salary
All-in monthly
₹32,475
27.1% of salary
Max safe on-road
₹12,00,000
Balanced stance · 20% EMI
Cash left / month
₹87,525
After EMI + ownership + other EMIs
Rule checks
Down payment
30.0% (target 30%)
Car EMI vs salary
14.7% (cap 20% after other EMIs)
Total debt EMI burden
14.7% including other loans
Total ownership / income
27.1% (target ≤ 30%)
Loan & ownership math
Loan amount
₹8,40,000
Processing fee
₹8,400
Upfront cash needed
₹3,68,400
Total interest
₹2,18,494
EMI × tenure
₹10,58,494
All-in car cost
₹14,26,894
Interest share of EMIs
20.6%
First-year interest
₹73,903
Monthly run-cost split
Fuel
₹9,000
Service
₹2,000
Insurance
₹2,333
Parking
₹1,500
EMI
₹17,642
Run costs total
₹14,833
Rate sensitivity (±1%)
APR -1%
₹17,234
Base EMI
₹17,642
APR +1%
₹18,055
Budget by stance
| Stance | EMI cap | Max on-road |
|---|---|---|
| Conservative | 15% | ₹12,17,067 |
| Balanced | 20% | ₹15,02,756 |
| Stretch | 25% | ₹17,88,445 |
Yearly amortization
How principal and interest split over the loan life.
| Year | Interest | Principal | Closing |
|---|---|---|---|
| 1 | ₹73,903 | ₹1,37,796 | ₹7,02,204 |
| 2 | ₹60,227 | ₹1,51,472 | ₹5,50,732 |
| 3 | ₹45,193 | ₹1,66,505 | ₹3,84,226 |
| 4 | ₹28,668 | ₹1,83,031 | ₹2,01,196 |
| 5 | ₹10,503 | ₹2,01,196 | ₹0 |