Loan EMI Calculator (Nepal) — with Affordability Verdict
Calculate EMI for home, vehicle, personal, education and business loans in Nepal — with a verdict on whether you can actually afford it.
Rent + utilities / income
40.0%
Above safe limit
Combined income
Rs. 60,000
Monthly housing cost
Rs. 24,000
Leftover after savings
Rs. 25,000
Adjust the scenario
Rs.
Rs.
Rs.
Rs.
Typically 2 months in Kathmandu.
Rs.
Rs.
Petrol, public transport, or ride-hailing.
Rs.
SIP + emergency fund.
Decision insights
⚠️ Stretched
40.0% on housing leaves little buffer. A single bike repair or medical bill can break the month.
Saving for deposit
At your current goal of Rs. 8.0k/month, the deposit takes 5 months to build from scratch.
Where your monthly income goes
Rent20,000
Utilities4,000
Commute3,000
Savings goal8,000
Everything else25,000
Affordability bands
Most planners suggest keeping rent under 30% of take-home pay. In Kathmandu the realistic stretch is 35%; above 40% you struggle to save.
About this calculator
Formula: (Rent + Utilities) / Combined Income — ideal < 30%, max ~40%
Landlords don't care about your budget. This tool tells you honestly whether a Kathmandu rental is within reach or quietly draining your savings.
How to Use
Add your income, partner share, the proposed rent and deposit. See an affordability verdict and a cash-flow chart.
(Rent + Utilities) / Combined Income — ideal < 30%, max ~40%
What is the House Rent Affordability Calculator (Nepal)?
Landlords don't care about your budget. This tool tells you honestly whether a Kathmandu rental is within reach or quietly draining your savings.
See if the flat you're eyeing actually fits your salary — with verdict, deposit timeline, and where every rupee goes.
It belongs to our nepal money suite and is built to give you accurate answers along with the working steps, so you understand the method as well as the result.
How this calculator works
Internally, the House Rent Affordability calculator applies the formula (Rent + Utilities) / Combined Income — ideal < 30%, max ~40%. Add your income, partner share, the proposed rent and deposit. See an affordability verdict and a cash-flow chart.
The result and every step update instantly as you change the inputs, so you can compare scenarios without re-entering everything.
When to use it & tips
Use the House Rent Affordability calculator whenever you need a fast, reliable nepal money answer with the steps shown. It works on phone, tablet, and desktop — no sign-up, no install.
Tip: In 2025: 1BHK Rs 12–18k in mid-zones, 2BHK Rs 22–35k, 3BHK Rs 35–60k. Prime areas (Baluwatar, Pulchowk) are 30–50% higher.
FAQs
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