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Free property tools

Plan your home purchase with real numbers

Check your budget, EMI and total cost before you visit a single project. No sign-up needed.

How much home can I afford?

Your comfortable budget plus every cost you’ll pay upfront.

Monthly take-home income (₹)

Existing EMIs per month (₹)

Savings available for down payment & costs (₹)

Home loan interest rate

Loan tenure

Share of income for EMIs

Under-construction property (GST applies)

Comfortable property budget

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Home loan amount–

Monthly EMI–

Down payment–

Stamp duty (incl. cess & surcharge)–

Registration (2%)–

GST–

Total cash needed upfront–

Karnataka stamp duty 2% / 3% / 5% by value + 10% cess + 2% surcharge; registration 2%. Loan limited to 90% / 80% / 75% of value as per bank norms. Parking, maintenance deposit & legal fees not included. Figures are approximate.

EMI calculator

See your monthly EMI and the real cost of the loan.

Loan amount (₹)

Interest rate

Tenure

Monthly EMI

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PrincipalInterest

Principal–

Total interest–

Total amount payable–

Take-home income needed (EMI at 40%)–

Rent vs buy

Compare your wealth after a few years — owning the home vs renting and investing the difference.

Property price (₹)

Down payment

Loan interest rate

Monthly rent for a similar home (₹)

Maintenance & property tax per month (₹)

Rent increase per year

Property price growth per year

Return on investments per year

Compare after

Your net worth after

If you buy–

If you rent & invest–

Monthly cost of owning (EMI + maintenance)–

Starting monthly rent–

Upfront cash for buying (down payment + costs)–

Home value after period–

Loan tenure 20 years. Renting assumes the upfront cash and any monthly saving vs owning are invested. Tax benefits not included.

Plot vs apartment

Same money, two choices — see where your investment could stand.

Amount you plan to invest (₹)

Plot price growth per year

Plot holding cost per year (₹) — upkeep, tax, fencing

Apartment price growth per year

Rental yield per year

Apartment maintenance per year (₹)

Hold for

Total value after

Plot–

Apartment–

Plot value–

Plot holding costs paid–

Apartment value–

Net rent earned (after maintenance)–

Growth rates are your assumptions, not forecasts. Plots usually need no maintenance but give no rent; apartments give rent but depreciate in build quality over time.

Want exact numbers for a project?

Get a written cost sheet and honest advice from our team — free.

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