Money decisions,
made simple
Check your own numbers before you buy, borrow or sign. Free, independent, in English and हिंदी — and we never show loan offers.
Let's check if you can afford it
Three numbers are enough to start. We'll also test a weak month — the step most people skip.
Let's see what a loan really costs
A smaller EMI often means a bigger total. See interest, fees, APR and the amount you actually receive.
Calculate loan cost
Finding it hard to pay? Let's take it step by step
Practical steps before the due date, a script for your lender, and your rights with recovery agents. No quiz, no judgement.
Get practical stepsCheck a lender or loan app before you borrow
Loans from banks and NBFCs come from RBI-regulated lenders — even inside an app. Here's how to verify one on official lists.
How to checkHow well do you know your money?
10 real-life questions, about 3 minutes. You get a topic map — not a judgement, not a score for lenders.
Take the money check
Useful tools
All toolsNumbers worth knowing
Oct 2026* Being re-verified against primary sources before launch.
What changed for your money
We care about your money and your privacy
Calculations run in your browser. Saving is optional and can be deleted any time.
We don't earn from lenders, rank them or pass on your details.
Nor PAN, Aadhaar or bank passwords. Anyone asking “from Paisavy” is a fraud.
Each guide lists the official sources it uses, and fixes are logged openly.
Questions people ask
Short answers. Each one links to a tool or guide with the details.
How do I know if an EMI fits my budget?
Look at your whole month, not just the EMI. From your take-home pay, subtract must-pay costs and current EMIs. What's left is your room for a new EMI. Then test a weak month, about 20% below normal. Can I afford it? runs both checks.
I can't pay my EMI this month. What should I do?
Act before the due date. Protect food, rent and medicines first, then contact your lender through its official number and ask what options exist. Get any offer in writing. Don't take a new app loan to pay an old EMI. See Hard to pay.
How do I check if a loan app is genuine?
Find the lender's legal name in the app or the KFS and search RBI's list of registered NBFCs. Then look for the app on RBI's list of digital lending apps. A real lender never asks for a fee before paying out. How to check a lender.
Does checking my CIBIL score lower it?
No. Checking your own score is a soft enquiry and doesn't count. Only the checks lenders make when you apply for credit count. Each of the four credit bureaus gives you one free full report every calendar year. Credit score basics.
Is Paisavy free? Who pays for it?
Yes, it's free. Paisavy has no outside funding, and lenders can't pay to appear on our pages. We don't show loan offers or rank lenders. More on our About page.
Do you see the numbers I type?
No. The sums run in your browser, so your numbers stay on your device. We use Microsoft Clarity to see how pages are used. It hides what you type and the numbers shown on the page. Details are on our Privacy page.