Stop Guessing.
Know If You Can Actually Afford It.
Model your next big purchase. Get your affordability score, stress-test your finances against real emergencies, and see exactly what SIP investing would grow to instead.
5 simulations included. No credit card. Cancel anytime.
Honda City — 5 Year EMI
Simulation #3Banks show you the EMI.
Nobody shows you the full picture.
Your bank wants to give you the loan. They calculate what you can pay — not what it will cost you, not what it will do to your savings, not what you're giving up. That's where we come in.
The EMI looks small. The total interest isn't.
A ₹10,000/month EMI over 5 years hides ₹1.8 lakh of interest most people never calculate before signing.
Nobody prepares you for the bad month.
What happens when your salary is delayed? One stress test shows you exactly how many months your savings survive before you'd default.
The SIP you didn't start is the wealth you'll never see.
That EMI amount, invested monthly in SIP, compounds into a number that permanently changes how you think about debt.
Everything you need to make a
confident financial decision.
Not a calculator. An engine.
Know exactly where you stand.
Input your income, expenses and savings. Get a SAFE / CAUTION / RISK verdict based on your real Debt-to-Income ratio — the same standard banks use internally, but never share with you.
What if the worst happens?
Simulate salary delays, job loss, and emergency expenses. See exactly how long your savings hold.
See the wealth you're giving up.
Skip the EMI, invest it instead. See exact wealth at 12% annual returns.
Every decision, saved.
All your simulations stored to your account. Compare and track your financial thinking over time.
Download your full report.
Export a clean, shareable PDF. Show it to a partner, CA, or file it for reference.
Zero data selling. Zero bank logins. Completely yours.
We never ask for your PAN, Aadhaar, or bank account. You enter numbers — we run the math. Nothing is shared, sold, or used for targeting. Ever.
From zero to clarity in under 3 minutes.
Set Your Baseline
Tell us your monthly take-home pay, fixed expenses, liquid savings, and any existing EMIs. No bank link. No account access. Just numbers you know.
Define the Purchase
What do you want to buy? Enter the cost, your down payment, the interest rate, and tenure. We calculate the true total cost — including the hidden interest — instantly.
Get Your Affordability Score
We calculate your Debt-to-Income (DTI) ratio. Below 30% = SAFE. Between 30–50% = CAUTION. Above 50% = RISK. You'll know exactly where you stand in seconds.
Run Stress Tests
Simulate a job loss, salary delay, or sudden ₹50,000 expense. We calculate exactly how many months your emergency fund survives before you'd need to default.
See the SIP Alternative
If you invested the EMI amount as a monthly SIP instead, what would you have at the end of the tenure? The number — and the gap — speaks for itself.
We test what banks never will.
Your bank approves the loan and moves on. We stay and ask the hard questions: What if your income drops 20% next month? What if a sudden ₹50,000 medical emergency hits? We run every scenario against your real cash flow — so the worst case is never a surprise.
Salary Delay
6 months safe
Emergency
3 months safe
Job Loss
2 months safe
Pay Cut
9 months safe
₹12,000 / month for 5 years
12% p.a. return assumed. SIP returns are market-linked and not guaranteed.
The wealth you're giving up deserves a number.
Every EMI you commit to is a SIP you didn't start. If you invested ₹12,000/month — the same as a typical car EMI — in a SIP for 5 years at 12% annual returns, you'd accumulate ₹9.8 lakh. That's the real price of the loan. The opportunity cost nobody puts on the EMI receipt.
Built for anyone making a big financial call.
Buying your first car on EMI?
Validate the EMI before you sign the dotted line. Know your DTI, your risk, and your alternatives — in 3 minutes.
Planning a home loan?
Know your real affordability score before the bank does. Run the stress tests they never will.
Buying on 12-month EMI?
That phone, laptop, or appliance on no-cost EMI? It still has a cost. Know if it's actually safe for your cash flow.
Already investing in SIP?
See how a new EMI competes with your wealth-building goals — and decide if the debt is worth the trade-off.
Honest pricing. No hidden EMIs.
Start with 5 simulations — no card needed. Upgrade when it makes sense for you.
- 5 total simulations
- Affordability score
- Basic stress test (2 scenarios)
- SIP alternative view
No card required
- Unlimited simulations
- Full simulation history
- All 4 stress scenarios
- PDF export
- Email reminders
Then ₹149/month
- Everything in Analyst
- 3 financial profiles
- Side-by-side comparison
- Custom stress parameters
- Priority support
Cancel anytime
Your finances stay completely yours.
We don't ask for your bank account. No PAN, no Aadhaar, no passwords. You enter numbers — we run the math. Nothing is shared, sold, or used for any purpose beyond showing you your result.
Make your next big financial decision with confidence.
5 simulations to start. No card. Takes 3 minutes.