Every number your bank calculates, and the ones they hide.
Six purpose-built tools. One decision: can you really afford this?
The EMI is not the cost. The interest is.
Your lender quotes you ₹10,600/month for 5 years. That's the only number they put in the headline. We put the other one front and centre: ₹1,36,000 in interest, money you pay for the privilege of borrowing. Know the full price before you sign.
- ✓
Monthly EMI, Exact instalment calculated from the EMI formula.
- ✓
Total Amount Paid, Principal + every rupee of interest across the full tenure.
- ✓
Total Interest Charged, The number banks bury in fine print, shown front and centre.
On a ₹10 lakh car loan at 8.5% for 5 years, you pay ₹2.3 lakh extrajust for the loan. That's a long weekend holiday every year, for 5 years.
Honda City, ₹10L loan, 8.5%, 5 years
= 3 months of your salary. The bank never said that out loud.
Your Affordability Score
DTI Ratio
SAFEManageable. Healthy buffer.
30%
CAUTION
DTI Ratio
<30%
30–50%
>50%
SAFE. CAUTION. RISK. One verdict, backed by math.
The Debt-to-Income ratio is the single most important number in personal finance. It tells you what percentage of your income is already committed to debt repayments. We calculate it from your actual take-home pay, not your gross salary, and give you the verdict banks keep to themselves.
Formula
DTI = (Total Monthly EMIs ÷ Take-Home Pay) × 100
What banks don't tell you
Your bank may approve a loan that puts you at 55% DTI. That's their risk model. Ours is making sure you know what 55% DTI means for your life, and what happens when your salary is 3 weeks late.
Run the scenarios your lender never will.
We run four real-world shocks against your cash flow: salary delay, emergency expense, job loss, and pay cut, then tell you exactly how many months you'd survive before defaulting.
Salary Delay
1 month
Employer delays salary by 30 days. Zero income for 1 month.
Emergency Expense
₹50,000 shock
Medical bill, car repair, or family emergency drains ₹50K instantly.
Job Loss
3 months
No income for 3 months. Savings is your only buffer.
Pay Cut
30% reduction
Salary drops 30% permanently. New DTI recalculated in real time.
Safety Score Summary
All 4 stress scenarios are available on Pro.
3 simulations free. Upgrade for unlimited stress tests.
What wealth are you giving up to pay this EMI?
Every rupee you send to a lender is a rupee that isn't compounding for you. We take your monthly EMI amount and show you exactly what it would grow into at 12% annual returns, the long-run average of diversified equity mutual funds in India, over the same tenure.
This does NOT mean "never take a loan." It means: go in with both numbers. Sometimes the EMI is absolutely worth it. Our job is to make sure you're choosing, not defaulting into debt.
₹12,000/mo × 5 years, two paths
12% p.a. return assumed. SIP returns are market-linked and not guaranteed.
My Simulations
Honda City
₹10L · ₹20,527/mo
Home Loan 20yr
₹45L · ₹44,986/mo
MacBook Pro
₹1.1L · ₹9,166/mo
Every simulation you ran. Instantly revisitable.
A loan decision rarely happens in one sitting. You come back with new numbers: a different tenure, a lower down payment, a co-borrower's income added. Simulation History lets you save every run and compare across sessions, so you never lose your work.
Named simulations, Label each run: "Car EMI v1", "Home Loan 20yr"
Re-open and edit, Load any saved simulation and tweak any parameter.
Quick summary cards, EMI, DTI verdict, and SIP gap visible at a glance.
Full deletion control, Delete individual simulations or wipe all data.
Available on Pro. Free users get in-session memory; close the tab and it's gone.
3 free simulations to start. No card required.
Share your decision with anyone who needs to understand it.
Whether you're sharing with a spouse, a parent, or a financial advisor, export your full simulation as a clean PDF. Every number, every formula, every stress test result, formatted for a serious conversation.
EMI + SIP Decision Engine
Simulation Report · March 2025
What's in the PDF
- ✓Loan details (principal, rate, tenure)
- ✓Monthly EMI + total cost breakdown
- ✓Affordability score + DTI calculation
- ✓All 4 stress test results
- ✓SIP alternative comparison chart
- ✓Simulation name, date, and parameters
Available on Pro plans.
Every feature, mapped to every plan.
| Feature | Free ₹0 | ⭐ Most Popular Profrom ₹199/mo |
|---|---|---|
| True Cost Calculator | ✓ | ✓ |
| Affordability Score (DTI) | ✓ | ✓ |
| SIP Alternative View | ✓ | ✓ |
| Stress Test Scenarios | N/A | All 4 |
| Total Simulations | 3 total | Unlimited |
| Simulation History | Session only | ✓ |
| PDF Export | N/A | ✓ |
| Email Reminders | N/A | ✓ |
| Future Income Projection | N/A | ✓ |
| Simulation Search | N/A | ✓ |
3 simulations, no card, under 3 minutes.
Start for free. Upgrade only when it makes sense.