Hey everyone 👋 I was house-hunting last year and every calculator I tried gave me a number that felt... optimistic Here's the thing that got me: every home loan calculator I could find — bank websites included — answers "what's the maximum I could technically repay if nothing goes wrong?" That's a useful number for a bank. It's not the number I'd want to actually commit to for the next 15-20 years. So I built Affordly to answer the other question: what can you comfortably afford, accounting for a safety margin, not just squeeze out. Under the hood, it applies the same FOIR check banks use (existing + new EMI shouldn't cross ~40% of income) — but layers a lower, more conservative cap on top of it (30%), and sets aside part of your surplus as a buffer before recommending an EMI. So you see both numbers side by side: what a bank might approve, and what Affordly thinks you'd actually be comfortable paying. The process evolved more than I expected. I originally built just the affordability calculator (income/expenses → safe EMI). Pretty quickly it became obvious some people already know the loan amount they want and just need the EMI for it — the reverse direction. So I added a second, standalone EMI Calculator (amount/rate/tenure → EMI, total interest) rather than trying to force one tool to do both jobs badly. A few things I was deliberate about: Nothing you enter is stored or sent anywhere — every calculation runs in your browser. No signup. Enter numbers, get an answer, done. India-specific — FOIR conventions, ₹ formatting, and defaults that actually match how Indian lenders think about eligibility. It's free, and will stay that way. Would genuinely love feedback — especially if you've gone through a home loan process yourself and think the assumptions here are off, or if there's a scenario the calculator doesn't handle well. 🙏

Affordly

A more honest home loan calculator for India

A more honest home loan calculator for India