From a number in your head to a decision you can defend.
We don't just calculate your monthly payment. We run the math your bank won't: stress tests, opportunity costs, and your real affordability score. Here's exactly how.
We need to know your real monthly picture.
Before we can tell you anything meaningful, we need a snapshot of your finances. This isn't a credit check. It's the same math you'd do on paper; we just do it faster and more rigorously.
- 1
Monthly Take-Home Pay, After tax, after PF. The number that hits your account.
- 2
Fixed Monthly Expenses, Rent, groceries, subscriptions, utilities, the non-negotiables.
- 3
Liquid Savings, Money you can access within 7 days. Not FD, not mutual funds.
- 4
Existing EMI Obligations, Any loans you're already paying. Car, personal loan, credit card.
Why no bank login?
We never ask for your bank account, UPI PIN, or any credentials. You type the numbers you already know: your salary, your rent, your savings balance. That's it. Nothing leaves your browser session unless you choose to save it.
Your Financial Snapshot
Monthly Take-Home Pay
₹75,000
After all deductions
Fixed Monthly Expenses
₹28,000
Rent, bills, groceries
Liquid Savings
₹1,20,000
Accessible within 7 days
Existing EMI Obligations
₹0
Current loan payments
Purchase Details
← The number banks bury in fine print
Tell us what you want to buy.
You're not asking us whether to buy; you're asking whether you can safely afford to. Enter the item, the cost, your down payment, the offered interest rate, and the repayment tenure. We'll show you the real cost the moment you hit enter.
- 1
Purchase Cost, Total cost of the item before down payment.
- 2
Down Payment, What you're paying upfront. The rest is financed.
- 3
Interest Rate (p.a.), The rate your bank or dealer quoted. We'll use it honestly.
- 4
Tenure, How many months or years you'll be paying.
A ₹5 lakh loan at 10% for 5 years costs you ₹1.37 lakh in interest alone. The bank shows you the monthly EMI of ₹10,624. We show you the full picture.
We give you the verdict: SAFE, CAUTION, or RISK.
The most important number in personal finance isn't your EMI amount. It's your Debt-to-Income ratio, the percentage of your monthly income going toward loan repayments. Banks calculate this before approving your loan. They just never share it with you.
How to read it
We compare your monthly loan commitments with your take-home pay, then place you in a clear zone: SAFE, CAUTION, or RISK. The point is to show whether the EMI still leaves enough room for normal life.
DTI Zone Meter
30%
CAUTION
DTI Ratio
| Zone | DTI Range | Verdict | What It Means |
|---|---|---|---|
| 🟢 Safe | Below 30% | SAFE | Manageable. You have a healthy buffer. |
| 🟡 Caution | 30% – 50% | CAUTION | Getting stretched. Any disruption hurts. |
| 🔴 Risk | Above 50% | RISK | Overextended. One bad month could default. |
What banks don't tell you
Your bank may approve a loan that puts you at 55% DTI. That's their business. Ours is making sure you know what 55% DTI actually means for your life, and what happens when your salary is 3 weeks late.
What if the worst month happens?
After you commit to an EMI, life keeps happening. We run four scenarios against your real cash flow to show you how resilient, or fragile, your financial position actually is.
We test how resilient your finances remain if income drops or an unexpected shock hits, so you can see when an EMI stops being manageable.
If two or more of these scenarios put you in the red, reconsider the EMI, or significantly increase your emergency fund first.
Salary Delay
1 month
Your employer delays salary by 30 days. No income for 1 month.
Emergency Expense
₹50,000 shock
An unexpected medical bill, car repair, or family emergency drains ₹50K.
Job Loss
3 months
You lose your job and have no income for 3 months.
Pay Cut
30% reduction
Your salary drops 30% permanently. New DTI is recalculated.
Safety Score Summary
₹12,000/mo × 5 years, two paths
12% p.a. return assumed. SIP returns are market-linked and not guaranteed.
₹8,000
3 yr
EMI Paid
₹2.88L
SIP Wealth
₹3.42L
₹12,000
5 yr
EMI Paid
₹7.20L
SIP Wealth
₹9.84L
₹25,000
10 yr
EMI Paid
₹30.0L
SIP Wealth
₹57.2L
If you didn't take the loan, what would you have instead?
This is the question nobody asks. Every EMI you pay is money that could have been invested. We show you the exact wealth you'd accumulate if you put that same monthly amount into a SIP at 12% annual returns, the long-run average of diversified equity mutual funds in India.
We show the opportunity cost in practical terms, what the same monthly outflow could potentially build over time if it were invested instead.
This does NOT mean "never buy anything." It means: know the real cost of debt. Sometimes the EMI is absolutely worth it. Our job is to make sure you're choosing, not just defaulting into debt.
What we collect. What we don't.
| We Collect | We Never Ask |
|---|---|
| ✓Numbers you type (income, expenses, EMI) | ✗Bank account number |
| ✓Simulation parameters (cost, rate, tenure) | ✗PAN or Aadhaar |
| ✓Results (if you choose to save them) | ✗Net banking login |
| ✓Email (for account notifications and reminders) | ✗Credit score |
Free users:your data lives only in your browser session. Close the tab, and it's gone. Pro users: simulations are saved to your encrypted account. You control deletion.
Now that you understand it, try it.
3 simulations to start. No card. Under 3 minutes.