How the leverage estimate works
The calculator first protects essential expenses and a safety buffer. The remaining amount is treated as the monthly commitment you can realistically offer for consolidation or a structured repayment plan.
It then uses the same EMI logic as a loan calculator in reverse: given a monthly commitment, interest rate, and tenure, it estimates the amount of debt that payment can support. If supportable debt is lower than current outstanding debt, the gap shows how much the plan may need longer tenure, lower rate, settlement, or additional income support.
This is an education tool, not a loan approval or credit-score promise. Lender policy, account status, bureau history, income proof, and documentation still matter.