Total obligations calculator
Add up everything you have promised to pay each month, set it against what comes in, and then test the month against a pay cut, a surprise bill or one more loan.
Change any figure. Nothing you enter leaves this page.
Known calculation: plain addition
An ordinary month
- Take-home pay
- ₹50,000
- Essentials
- ₹28,000
- All commitments (1)
- ₹6,000
- Left over
- ₹16,000
- Commitments as a share of pay
- 12.0%
- Still to pay on dated commitments
- ₹1,44,000
- Cash put by covers
- 0.9 months of outgoings
There is no safe or unsafe percentage here. Lenders use their own caps, and what is comfortable depends on how steady the income is.
Now push one
Everything is paid on time, and the cash you have put by never falls below ₹30,000.
- M1 Covered ₹46,000
- M2 Covered ₹62,000
- M3 Covered ₹78,000
- M4 Covered ₹94,000
- M5 Covered ₹1,10,000
- M6 Covered ₹1,26,000
- M7 Covered ₹1,42,000
- M8 Covered ₹1,58,000
- M9 Covered ₹1,74,000
- M10 Covered ₹1,90,000
- M11 Covered ₹2,06,000
- M12 Covered ₹2,22,000
Covered: everything paid, with at least a month of outgoings still put by. Thin: everything paid, less than a month put by. Short: income and savings together did not cover what was due. Amounts are cash put by at month end, or the gap.
Show the twelve months as a table
| Month | Income | Essentials | Commitments | One-off | Put by | Short |
|---|---|---|---|---|---|---|
| 1 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹46,000 | |
| 2 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹62,000 | |
| 3 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹78,000 | |
| 4 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹94,000 | |
| 5 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,10,000 | |
| 6 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,26,000 | |
| 7 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,42,000 | |
| 8 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,58,000 | |
| 9 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,74,000 | |
| 10 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹1,90,000 | |
| 11 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹2,06,000 | |
| 12 | ₹50,000 | ₹28,000 | ₹6,000 | ₹0 | ₹2,22,000 |
What this is
Arithmetic on the figures above: what comes in, what is due, what is put by. It is exact for those inputs and assumes any money left over each month is kept.
What this cannot tell you
What a lender does when a payment is short: penal charges, bounce charges, calls, reporting to a credit bureau, or an agreed new schedule. Those depend on the loan agreement and the lender, so nothing here predicts them. What the rules require is set out in missed payments and penal charges and collections conduct.
For the same tool introduced through a fictional household, see the Debt Domino Effect.