Debt-stacking risk check

Every EMI is a
plank in the tower.

School fees, fuel, groceries — half of India quietly finances all of it in installments now. Add up every loan and BNPL app you're actually paying into, and see if the tower's still standing.

Check my stack → What's FOIR?
Most lenders decline new credit once your fixed obligations pass ~55% of income — many borrowers cross that line without ever calculating it.
Personal loan
BNPL — electronics
Credit card EMI
Bike loan
Illustrative stack
The number lenders already check
FOIR — Fixed Obligation to Income Ratio

Every EMI you already pay — personal loans, BNPL, credit cards, even rent — divided by your income. It's the single number that decides whether your next loan gets approved, and it doesn't care which app each obligation came from.

0–40% Safe
40–55% Manageable, little room left
55%+ Overleveraged

These bands are synthesized from publicly published Indian lender guidelines, not one specific bank's policy — most institutions treat 40% as comfortable, 50–55% as their outer approval limit, and anything higher as high risk. Your actual lender's cutoff may differ.

Live tool
Build your stack

Enter your income, then add every EMI you're currently paying — one row per loan or BNPL plan. Nothing here is saved or sent anywhere; it's calculated in your browser.

Your obligations

Active loans, EMIs & BNPL plans
0%
Your FOIR
Your income, at the base
Where it's going
If you want to bring this down
About this tool LoanStack is an educational calculator — the FOIR bands above are general guidelines synthesized from publicly published lender information, not a specific bank's or the RBI's official cutoff. The consolidation comparison assumes standard reducing-balance EMI math and the rate/tenure you enter — real offers vary by lender and may include additional charges. Actual approval decisions depend on your credit score, lender policy, and loan type. Nothing you enter here is stored, transmitted, or shared.