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Calculators

Rough the numbers out before you visit. Everything runs in your browser — nothing is saved or sent.

Home loan EMI

What the bank will debit each month.

₹60 lakh
Monthly instalment
₹52,069
Total repaid ₹1,24,96,655 · interest ₹64,96,655

How much home can you buy

Lenders usually cap the instalment at about 45% of take-home pay.

₹1.5 lakh
₹15,000
₹20 lakh
Comfortable budget
₹80,49,619
Loan ₹60,49,619 at an instalment of ₹52,500

Stamp duty and registration

Rates differ by state and are often lower for a woman buyer.

₹60 lakh
Payable at registration
₹3,90,000
Stamp duty ₹3,60,000 · registration ₹30,000

Budget for these too

Costs people forget.

  • Society transfer charges and one-time maintenance deposit
  • Legal check of the title chain — a few thousand rupees well spent
  • Loan processing fee, usually up to half a percent
  • Interiors, fittings and the move itself

Read the buying checklist →Stamp duty state by state →Area unit converter →

More calculators

Each on its own page, with the rules it applies.

Home loans

Home loan prepayment calculatorSee how much interest a part payment on your home loan saves, and whether to cut the EMI or finish the loan sooner.Home loan balance transfer calculatorCompare your EMI and interest now with a lower rate elsewhere, take off the processing fee and legal costs, and see the break-even month.Pre-EMI vs full EMI calculatorCompare total interest when you pay interest-only pre-EMI until possession with paying the full EMI from the first disbursement.Joint home loan calculatorSplit a joint home loan's EMI and first-year interest and principal between two borrowers by share, with each person's own deduction limits.Home loan tax benefit calculatorEstimate the deduction and tax saved on home loan interest and principal for a self-occupied home under the old regime, for one or two co-owners.

Buying costs and tax

Property purchase cost calculatorAdd stamp duty, registration, GST on under-construction homes, brokerage and other charges to the price, state by state.TDS on property calculatorWork out the TDS a buyer must deduct on a property purchase of ₹50 lakh or more, with the deadline for depositing it.Capital gains tax calculator for propertyEstimate long-term capital gains tax on selling a house: 12.5% without indexation, or 20% with indexation for property bought before 23 July 2024.RERA delay compensation calculatorWork out simple interest on the amount paid to a builder for each day possession is late, at the rate set by your state's RERA rules.RERA number lookupSearch state RERA registers by registration number, project name or promoter, and open the project's register entry.

Renting

Rent receipt generatorMake one printable rent receipt per month with the tenant, landlord, PAN, address and rent. Built in your browser; nothing is sent.HRA exemption calculatorWork out exempt and taxable HRA from salary, HRA received, rent paid and city, under the old tax regime, for 2026-27 onwards or 2025-26.Rent increase calculatorSee the rent each year and the total paid after a fixed yearly increase, from the current rent, the increase percentage and the number of years.Rental yield calculatorWork out the gross and net rental yield of a home from its price, rent, maintenance, property tax and months empty.Rent vs buy calculatorCompare renting and buying a home on your own numbers: price, loan, rent, rent increases, price growth and returns.

Area and returns

Carpet to super built-up area calculatorConvert between carpet and super built-up area using the builder's loading, and see the real rate per sq ft on each.Plot area calculatorWork out a plot's area from its length and width, or from four sides and a diagonal, in feet or metres. Results in sq ft, sq m, sq yd and acres.Property vs SIP and FD calculatorCompare the same amount in property, a fixed deposit and a mutual fund over the same years, using growth, rent and return rates you choose.

Worked-out EMI examples

Common loan amounts and tenures, each on its own page.

Common questions

How is a home loan EMI calculated?

EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan, r the monthly interest rate and n the number of months. The calculator above applies this formula.

How much home loan can I get on my salary?

Lenders usually keep all your EMIs within about 45% of take-home pay. The affordability calculator uses that share, minus your existing EMIs, to estimate a loan.

What costs are there besides the price?

Stamp duty and registration, the loan processing fee, society transfer charges, legal checks and interiors.

Is anything I type saved?

No. The calculators run in your browser and nothing is sent or stored.

Estimates only. Confirm rates with your lender and the sub-registrar office before you commit.