Select Your Business Type
Choose Existing if you have current revenue/expenses. Choose Startup if you want to model expected revenue after launch.
Loan & Business Inputs
+₹37,500/mo
Extra money you expect to earn each month after investment
±₹15,000/mo
How much your monthly revenue goes up and down: (max-min)/avg ×100
₹37,500/mo max
Maximum safe EMI based on your revenue stability & profit margin
Annual Profit ÷ Annual EMI = 1.4×
Lenders want your annual profit to be 1.2–1.5× your annual EMI
Time to reach expected revenue after launch
₹40,000/mo max
Conservative EMI limit for startups (recommended: 15-25%)
Annual Profit ÷ Annual EMI = 1.5×
Lenders typically require higher DSCR for startups (1.5-2.0)
💡 Tip
Values for "safe EMI" and "DSCR" are auto-suggested based on your revenue stability (seasonality) and profit margin. You may override if you have lender constraints.
24-Month Cash Flow Projection (Before vs After Loan)
Financial Summary (After Loan)
| Monthly Revenue | — |
| Monthly Expenses | — |
| Monthly Profit (NOI) | — |
| EMI | — |
| Free Cash after EMI | — |
Key Numbers Explained
DSCR Formula: —
Monthly Revenue Swing: —
Safe EMI Limit: —
Revenue Increase: —
Recommendation
—
Payment Options Comparison
| Option | EMI | Total Interest | Total Paid |
|---|
Annual Amortization Summary
| Year | Principal Paid | Interest Paid | Outstanding |
|---|
Quick Definitions - In Simple Terms
- EMI: Your fixed monthly loan payment (like a rent payment for the loan)
- DSCR: Yearly Profit ÷ Yearly EMI Payments. Lenders want this to be 1.2–1.5 or higher
- Working Capital Reserve: Emergency cash saved up (in months of revenue)
- Break-even: Months until you recover ALL costs (loan + investment + reserve)
- Payback: Months until your investment pays for itself from extra revenue
- Runway: For startups - how many months you can operate before running out of funds
⚠️ Important Disclaimer:
These calculations are estimates and not financial advice. Consult a licensed financial advisor or your lender for personalized guidance and exact loan terms.