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Financial Health Tool

Obligation & FOIR Calculator

Calculate your Fixed Obligation to Income Ratio โ€” the primary metric banks use to evaluate your loan eligibility.

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Monthly Income
โ‚น
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EMI Obligations
โ‚น
โ‚น
โ‚น
โ‚น
FOIR Score
050%100
0.0%
THRESHOLD: 60%
Enter values to calculate
Summary
Monthly Incomeโ€”
Total Obligationโ€”
FOIR Ratioโ€”
Disposable Incomeโ€”
FOIR Benchmark
0 โ€“ 40%ExcellentEasily approved
41 โ€“ 60%AcceptableConditional
61 โ€“ 100%High RiskLikely rejected
FOIR = (Total Monthly EMIs รท Gross Monthly Income) ร— 100