Free financial planning tool
Personal Loan Eligibility
Estimate eligible loan amount based on income. Use this quick guide to understand the inputs and method, then open the full interactive version for personalized results.
Open interactive calculatorHow the estimate works
EMI uses the reducing-balance formula based on principal, monthly interest rate, and number of payments.
How to use this calculator
- Open the interactive calculator and enter your current figures.
- Adjust the rate, term, contribution, or fees to compare scenarios.
- Review the payment or result together with the total long-term cost.
What to check before deciding
- Enter the amount you actually need rather than the maximum offered.
- Compare annual percentage rates and processing fees.
- Choose a payment that leaves room for essential monthly expenses.
Important note
Results are estimates for planning and comparison. Actual rates, taxes, fees, eligibility, and returns vary by provider and location. Confirm final figures with the relevant lender, institution, or adviser.