Can you pay the next instalment?

Your bank balance is not yet your budget for the EMI. We take away essential spending, other payments and a reserve, so you see how much is really left for the loan.

Your next instalment

Next instalment ₹The next EMI or repayment from your schedule, with any known payment charge. Not the whole outstanding loan.

When you plan to payAllow for processing time: the day you pay can be earlier than the due date, for example a day before an auto-debit.

Available now ₹Your own money in bank accounts and cash. Not a credit card limit or money already committed.

Income arriving before you pay?

You can leave this empty; we then count only the money available now. With several incomes, enter the total and the latest date: they must all arrive before you pay.

Expected income ₹Only money not yet received that you can reasonably count on, such as salary. Money already received belongs in “Available now”. Do not count a new loan or a possible bonus.

When the income arrivesIf the money arrives on the payment day or later, it is left out of the calculation.

What you need for everything else

Essential spending until then ₹Food, rent, transport and other essentials from today to the payment date.

Other payments due ₹Other EMIs, bills and obligations due before that date. Do not count this instalment again.

Reserve you want to keep ₹Money for the unexpected. Enter 0 if you do not keep a reserve.

Enter spending only until the planned payment date. If an item does not apply, enter 0. Do not subtract bills you have already paid.

Amounts and dates stay in your browser and are gone after a reload. Only the action is counted in statistics.

Salary is not free money yet

If you expect ₹40,000, essential spending is ₹28,000 and the EMI is ₹15,000, you are ₹3,000 short.

An illustrative example with no cash at hand and no reserve. Your own result appears after you enter your amounts.