Goal planner

Start from the loan you want.

Tell Pathway the loan you're aiming for. It works backwards: the score that rate needs, where you stand today, the lowest-effort plan to close the gap, and whether the monthly payment fits your budget.

Choose the amount, the term and the highest interest rate you'd accept.
See the score that rate needs and a projected plan to reach it.
Check the monthly payment against your budget before you apply.

Reach your goal in 12 months

Projected, if you follow the plan below at a realistic pace.

Score, month by month

Projected Pathway score if you follow the plan, against the approval line and your goal.

Projected score
Approval line (650)
Goal (690)

The score your goal needs

Higher scores unlock cheaper rate tiers.

Your score today

634

Goal score

690

56 points to go

Your goal · 690

<650

650+

690+

720+

760+

You today · 634

Rate tiers (illustrative)

Excellent 760+10.5% a year
Very good 720+12.5% a year
Good 690+15% a yearYour goal
Fair 650+18% a year
Declined Below 650about 36% elsewhereYou today

Your plan

The lowest-effort changes that reach a score of 690. Age, dependants and home loans are never changed.

Step 1: TimeDone by month 12 · Effort 1.8
Pay every bill on time for 12 months so past late payments age out
Step 2: ActionableDone by month 1 · Effort 0.5
Bring credit card balances down from 75% to 70% of your limits

Projected score after the plan: 692

Not used by the model: Age · Dependents · Real-estate loans

Milestones

Tick them off as you go. Nothing is saved or sent anywhere.

0 of 4 done

Month 1Card utilisation reaches 70%
Month 12Your last 30–59-day late payment ages out
Month 12Crosses the approval line (650) and qualifies for 18% a year
Month 12Reaches 690: qualifies for 15% a year. Goal reached

Can you afford the payment?

Lenders commonly cap all loan payments together at 50% of monthly income.

Today and after the plan

Fits your budget

Monthly payment (EMI) at 15% over 36 months: ₹6,933/month
Debt payments you already make: ₹38,640/month
Room left in your budget: ₹7,360/month

That leaves about ₹427 a month of room.

What you can get today

Where you stand if you applied now, for the same loan.

A prime lender would likely decline today. High-cost lenders often charge around 36% a year.

Largest loan that fits your budget today

₹1,60,600

over 36 months at 36% a year

Interest on ₹2,00,000 over 36 months

Today, at 36%: ₹1,29,787
At your goal rate, 15%: ₹49,590

Reaching your goal first is projected to save about ₹80,197 in interest.

Illustrative pricing: the interest-rate tiers, the 36% high-cost lender and the 50% FOIR cap are assumptions, not offers from any lender. Every figure is a projection from a simulation, not financial advice. How it works