Move the sliders, answer a few questions, get a real number — then send it to us on WhatsApp if you'd like help with it.
EMI Calculator
Eligibility Check
Loan amount₹40,00,000
How much do you want to borrow?
Interest rate8.5%
Rate offered or expected from the lender
Loan tenure20 years
How many years to repay?
Your EMI
₹34,700
per month
₹43.3L
Total interest
₹83.3L
Total payment
Actual EMI depends on the lender's policy, your credit score and documentation. This is an estimate to help you plan.
Monthly income₹80,000
Existing monthly EMIs₹0
Interest rate8.5%
Tenure20 years
You may be eligible for
₹44,50,000
based on 50% of income going to EMIs — a common lender thumb rule
This is an estimate, not a loan offer. Final eligibility depends on the lender's underwriting.
Get your exact number
Send this to us on WhatsApp and we'll match you with the right lender.
Gross yearly income, before tax
Your age32
Home, personal or any other loan balance
Suggested life cover
₹2,17,00,000
income multiplier + outstanding loans
Illustrative estimate based on common income-multiple thumb rules — not a full needs analysis.
Get a proper cover plan
Send this to us on WhatsApp and we'll suggest the right term plan for you.
Goal amount (today's value)₹20,00,000
Time to reach it10 years
Expected annual return (illustrative)
8%Conservative
10%Balanced
12%Growth
Step up my SIP every year
Annual step-up10%
Start lower, increase your SIP by 10% every year as your income grows.
Adjust goal for inflation
Inflation rate6%
Today ₹20.0L
Future ₹35.8L
₹20,00,000 today will cost roughly ₹35,81,700 in 10 years at 6% inflation.
You need to invest
₹14,900
every month, via SIP
₹17.9L
Total invested
₹2.1L
Growth (illustrative)
₹20.0L
Target used
Mutual funds are subject to market risks. Read all scheme-related documents carefully. Returns shown are illustrative, not guaranteed.
Get this as a real plan
Send this to us on WhatsApp and we'll walk you through funds that fit this goal.
1. Which age group do you fall in?
45 years and above
30 – 45 years
Below 30 years
2. How long can you stay invested without touching this money?
Less than 3 years
3 – 7 years
7+ years
3. If your investment fell 20% in a bad month, you would:
Sell immediately to avoid further loss
Hold and wait it out
See it as a chance to invest more
4. What matters most to you?
Protecting my capital, even for lower returns
A balance of safety and growth
Maximum growth, I can handle the ups and downs
MODERATE
You're a Balanced investor
A mix of equity and debt mutual funds suits you well, paired with a pure term insurance plan.
Talk it through with us
We'll suggest funds and cover that actually match this profile.
Home Loan Balance Transfer Savings Audit
Paying a higher rate than lenders offer today? Enter your current loan and the rate you expect to move to. The audit shows your EMI before and after, and the interest you could save over the remaining tenure.
Estimated interest saved over the tenure
Current monthly EMI
New monthly EMI
Monthly EMI reduction
Estimate before transfer costs. Processing fee, MODT/stamp duty, legal and valuation charges, and any prepayment charge on your current loan can reduce the saving. The new rate is the rate you enter, not an offer. Final rate, eligibility and fees are decided by the lender; offers are subject to terms and conditions.
Kaizen Financial Services