Fixed Obligation to Income Ratio measures monthly debt obligations relative to monthly income. Some lenders also include other fixed obligations.
FOIR Calculator
Calculate your FOIR
Estimate how much of your monthly income goes toward existing EMIs and fixed obligations.
Your monthly finances
Enter your take-home income and current monthly obligations.
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Adjust this assumption. Lender limits vary by profile and product.
Your estimated FOIR
30.0%
Within selected target
Lower obligationsHigher obligations
Monthly obligations₹15,000
Income after obligations₹35,000
Estimated additional EMI room at selected target₹15,000/month
This is an estimate for guidance only, not a loan approval or eligibility guarantee. Lenders may calculate FOIR differently and consider income stability, credit history, living expenses, existing obligations, employer, loan type, and internal policies.
Estimated FOIR = (existing EMIs + other included obligations) ÷ monthly net income × 100.
A lower FOIR can leave more income available after obligations, but acceptable thresholds differ between lenders and applicants.