FOIR Calculator (Debt-to-Income Ratio)
See what share of your income already goes to EMIs and how much room you have for a new loan before banks consider you over-borrowed. No PAN, no sign-up. Nothing leaves your browser.
Existing monthly obligations
“Room” is the extra monthly EMI you could take on before reaching that limit.
What is FOIR and why do banks check it?
FOIR (Fixed Obligation to Income Ratio) is the share of your take-home pay already going to EMIs and other fixed debt payments. Even with a 750+ CIBIL score, a bank may reduce or reject your loan if FOIR is too high. Most lenders want it between 40% and 55%. Some allow up to 60–65% for high earners.
FOIR = (all monthly EMIs + card obligations) ÷ net monthly income × 100
Frequently asked questions
What is a good FOIR for a loan?
Most banks accept 40–55% FOIR. Some allow 60–65% for high incomes or home loans. Lower is always better.
Can a loan be rejected even with a good CIBIL score?
Yes. If your FOIR is too high, banks may cut the loan amount or reject it even with a 750+ score.
How can I reduce my FOIR?
Close small loans, pay down credit card balances, take a longer tenure for the new loan or add a co-applicant's income.