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Free · 2 minutes · nothing is saved or sentEducational, not a credit decision
Add your take-home pay, the EMIs you already pay and the new EMI you are thinking about. See your FOIR now and after the loan, what is left after rent and bills, and three practical ways to ease the pressure.
The salary credited to your bank account, not your CTC.
EMIs you already pay
Loans, card EMIs and pay-later instalments. Up to 6 rows.
Your minimum due, or what you usually pay on cards each month.
FOIR usually counts repayments, not rent. Rent still comes out of your pay, so it is in the money-left picture.
Groceries, bills, travel to work, school fees, insurance, money sent home.
The new loan
Illustrative bands. Many lenders cap total repayments at around 50% of take-home; each lender sets its own limit.
Educational, not a credit decision. FOIR here = (existing EMIs + card payment + new EMI) ÷ take-home. The new EMI uses the standard reducing-balance formula at the example rate you choose, and ignores the processing fee and other charges. Bands are illustrative; every lender uses its own rules and reads your full credit report.
Made by Omozing, the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered NBFC. Results are illustrative, not an offer.
This free check shows how stretched a new loan would make you. Enter your monthly take-home pay, up to six existing EMIs, any card payment, rent and essential expenses, then the new EMI or a loan amount, tenure and example rate. It works out your FOIR now and after the new EMI on an illustrative gauge, shows where your salary goes in a waterfall chart, gives a plain-English verdict (comfortable, stretched or high pressure) and three suggestions worked out from your own numbers. Nothing you enter is saved or sent.
FOIR (fixed obligations to income ratio) is the share of your monthly take-home that goes on all your repayments together: existing EMIs, card payments and the new EMI. For example, on a take-home of ₹60,000 with ₹8,000 of existing repayments and a new EMI of ₹16,805, FOIR is (8,000 + 16,805) ÷ 60,000 = 41.3%.
This tool uses illustrative bands: under 40% comfortable, 40% to 50% stretched, and above 50% high pressure. Many lenders cap total repayments at around 50% of take-home, but each lender sets its own limit and reads your full credit report.
FOIR usually counts repayments such as loan EMIs and card dues, not rent. Rent still comes out of your pay, so the tool shows it separately in the money-left picture. A loan can pass a FOIR check and still leave too little after rent and essentials.
Close a small existing loan, clear card balances, borrow a little less, or choose a longer tenure (which lowers the EMI but adds interest). Omozing welcomes co-applicants: spouse, family members, and even friends.
No. It is educational and the results are illustrative, not an offer. A credit officer reads your full credit report, not just the score. Your exact interest rate, fees and APR are shown in the Key Fact Statement before you sign.
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