Free tool
Loan Affordability Calculator
Before applying for a loan, check what a bank is likely to lend you. Enter your monthly income, living expenses and existing loan payments, and the calculator estimates a safe borrowing capacity using the debt-service ratios Sri Lankan banks typically apply.
How much can I borrow?
Reverse EMI based on your income and existing commitments.
Affordable EMI
LKR 80,000
Max loan
LKR 6,007,172
Total payable
LKR 14,400,000
This is an estimate from the figures you entered, not an offer. We are not a bank and do not lend. Approval and final terms are decided by the bank or finance company.
Banks typically cap total EMIs at 40–55% of net income. Use this as a guide before applying.
Frequently asked questions
How do banks decide how much I can borrow?
Most Sri Lankan banks cap total monthly debt payments at around 40–60% of net monthly income, depending on the product and income level. They also consider CRIB history, employment stability and collateral.
Why is my estimate different from the bank's offer?
Each bank uses its own ratios, rate assumptions and income assessment (e.g. how allowances and variable pay are counted). Treat the estimate as a planning figure, not a guarantee.
Can I improve my borrowing capacity?
Settling small existing facilities, reducing credit card limits you don't use, and documenting all income sources (including allowances) usually help.
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