Free Property Calculatorsfor Indian Home Buyers
Make smarter property decisions with our free calculators — built specifically for Indian market conditions, RBI guidelines, and Indian tax rules.
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Home Loan EMI Calculator
Calculate your monthly EMI instantly. Includes income multiple check, EMI-to-income ratio, and double-burden analysis for under-construction properties.
- Income multiple vs RBI guideline
- EMI-to-income ratio
- Double burden (EMI + rent) mode
- SBI / HDFC / ICICI rate ranges
Stamp Duty Calculator
Calculate stamp duty and registration charges for 13 states — Maharashtra, Karnataka, Delhi, UP, Telangana, Tamil Nadu and more. Includes women buyer concessions.
- 13 states covered
- Women buyer concessions
- Transfer duty included
- True cost of purchase
Home Loan Eligibility Calculator
Find out how much home loan you qualify for based on your salary, existing EMIs, and FOIR norms. Compares SBI, HDFC, ICICI, Axis and 4 more banks.
- 8 bank comparison
- FOIR utilisation meter
- Existing EMI impact
- Property budget estimate
Rent vs Buy Calculator
Compare the true long-term cost of renting versus buying — accounting for property appreciation, rent escalation, EMI burden, and opportunity cost of down payment.
- Break-even year finder
- Opportunity cost of down payment
- Rent escalation modelling
- 30-year horizon view
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Property ROI Calculator
SoonCalculate annualised return on your property investment — rental yield, capital appreciation, and total ROI over any holding period.
GST on Property Calculator
SoonCalculate GST payable on under-construction flats — different rates for affordable vs non-affordable housing, with and without ITC.
Home Loan Tax Benefit Calculator
SoonCalculate annual tax savings under Section 80C (principal) and Section 24(b) (interest) on your home loan — for both old and new tax regimes.
Frequently Asked Questions
How is home loan EMI calculated in India?
EMI is calculated using the formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the tenure in months. For example, a ₹50L loan at 9% for 20 years gives an EMI of approximately ₹44,986.
What is a good EMI-to-income ratio for a home loan in India?
RBI and most Indian banks recommend keeping your total EMI obligations below 40–50% of gross monthly income. For just the home loan EMI, financial planners suggest staying under 30% for comfortable repayment. Above 50% is considered high risk.
What is stamp duty on property in India?
Stamp duty varies by state: Maharashtra charges 5–6%, Karnataka 5%, Delhi 4–6%, Telangana 4–5%, and Tamil Nadu 7%. Registration charges are typically 1% extra. Women buyers get a 1–2% concession in many states.
What is the income multiple for buying a property in India?
The income multiple is the property price divided by your annual household income. RBI guidelines suggest 4–5×. Under 4× is comfortable, 4–6× is manageable, 6–9× is stretched, and above 9× is considered financially risky for most Indian families.
What is the double burden problem for under-construction properties?
When buying an under-construction flat, you pay EMI (or pre-EMI) to the bank while still paying rent for your current home. This double outgo — EMI + rent — can consume 60–70% of monthly income during the construction period, which typically lasts 2–4 years.
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