How much home loan can I get on my salary in India?

Banks typically allow total EMIs of 40–50% of your net monthly income. On a ₹1 lakh salary with no other EMIs, that is roughly a ₹50–60 lakh loan over 20 years at current rates. This calculator works from your actual disposable income for a more realistic figure.

What percentage of income should my EMI be?

Keeping EMIs within 40–50% of disposable income is generally considered safe. Above 50% is moderate risk and above 60% is high risk — one salary disruption away from stress. The calculator flags your chosen level.

How much down payment do I need to buy a house?

RBI caps home loans at 80% of property value for most price bands, so plan for at least 20% as down payment, plus 7–12% more for registration, stamp duty and interiors that loans do not cover.

Should I stretch my budget to buy a bigger house?

Compare first: if rents in your area are low relative to prices, renting the bigger house and investing the difference can build more wealth. Run the numbers in our Rent vs Buy Calculator before stretching.

Home Loan Affordability Calculator

A realistic property budget from your actual monthly surplus — not an optimistic salary multiple.

Your finances

Bank eligibility tells you the most they will lend; affordability is what you can repay without squeezing your life. This calculator starts from your real monthly surplus — not your salary — and works backwards to a property budget you can actually carry.

How it works

Enter your income, expenses, savings and any EMIs already running.
Your monthly surplus is computed, and the share of it you choose becomes your comfortable EMI.
That EMI is converted into a maximum loan and, with your down payment, the property price you can afford.

Before you start

EMI share: banks may allow around 50% of your surplus, but a lower share keeps room for emergencies.
Current EMIs: include every running loan — each one directly cuts the home loan you can carry.
Target property: add one to get a stretch check against what you can actually afford.

You'll get

The property price you can afford, with the loan and EMI behind it
A monthly money map of where your income goes
A stretch check against your target property, if you set one
Numbers you can rerun instantly as circumstances change

Affordability questions, answered

How much home loan can I get on my salary in India?: Banks typically allow total EMIs of 40–50% of your net monthly income. On a ₹1 lakh salary with no other EMIs, that is roughly a ₹50–60 lakh loan over 20 years at current rates. This calculator works from your actual disposable income for a more realistic figure.
What percentage of income should my EMI be?: Keeping EMIs within 40–50% of disposable income is generally considered safe. Above 50% is moderate risk and above 60% is high risk — one salary disruption away from stress. The calculator flags your chosen level.
How much down payment do I need to buy a house?: RBI caps home loans at 80% of property value for most price bands, so plan for at least 20% as down payment, plus 7–12% more for registration, stamp duty and interiors that loans do not cover.
Should I stretch my budget to buy a bigger house?: Compare first: if rents in your area are low relative to prices, renting the bigger house and investing the difference can build more wealth. Run the numbers in our Rent vs Buy Calculator before stretching.

Found your budget? Check the monthly cost with theEMI Calculatorand whether buying beats renting with theRent vs Buy Calculator.