Do the maths before the builder does
EMI calculator
Your monthly instalment and how much goes to interest.
Year-by-year schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹1.6 L | ₹6.7 L | ₹78 L |
| 2 | ₹1.7 L | ₹6.6 L | ₹77 L |
| 3 | ₹1.9 L | ₹6.4 L | ₹75 L |
| 4 | ₹2.1 L | ₹6.3 L | ₹73 L |
| 5 | ₹2.2 L | ₹6.1 L | ₹71 L |
| 6 | ₹2.4 L | ₹5.9 L | ₹68 L |
| 7 | ₹2.6 L | ₹5.7 L | ₹65 L |
| 8 | ₹2.9 L | ₹5.5 L | ₹63 L |
| 9 | ₹3.1 L | ₹5.2 L | ₹59 L |
| 10 | ₹3.4 L | ₹4.9 L | ₹56 L |
| 11 | ₹3.7 L | ₹4.6 L | ₹52 L |
| 12 | ₹4 L | ₹4.3 L | ₹48 L |
| 13 | ₹4.4 L | ₹3.9 L | ₹44 L |
| 14 | ₹4.8 L | ₹3.5 L | ₹39 L |
| 15 | ₹5.2 L | ₹3.1 L | ₹34 L |
| 16 | ₹5.7 L | ₹2.7 L | ₹28 L |
| 17 | ₹6.2 L | ₹2.2 L | ₹22 L |
| 18 | ₹6.7 L | ₹1.6 L | ₹15 L |
| 19 | ₹7.3 L | ₹1 L | ₹8 L |
| 20 | ₹8 L | ₹37,123 | ₹0 |
How much home can I afford?
A safe budget from your income and savings — before a builder tells you what you can afford.
Assumes about 8% of the price goes on stamp duty, registration and fees, and at least 25% paid from savings.
True cost of buying
Everything you pay on top of the price tag (typical Karnataka charges).
| Stamp duty5% of the property value | ₹6,00,000 |
| Cess & surchargeCess 10% + surcharge 2% of the stamp duty (urban areas) | ₹72,000 |
| Registration fee2% of the value (raised from 1% on 31 Aug 2025) | ₹2,40,000 |
| GST5% — under-construction homes only | ₹6,00,000 |
| Loan processing (typical estimate)≈0.5% of the loan — a financing cost, varies by lender | ₹45,000 |
| Lawyer & documentation (typical estimate)Title search, agreement review — varies by lawyer | ₹25,000 |
| Maintenance deposit & corpus (typical estimate)≈₹75/sqft, one time — the actual figure is on your cost sheet | ₹97,500 |
Tip: a ready home with OC saves the GST entirely. Confirm current rates with your lawyer.
Rent or buy?
Which leaves you with more wealth after 15 years: buying, or renting and investing the difference.
Includes stamp duty & fees, 0.5%/yr upkeep for the owner, 7%/yr rent increases, and 2% selling costs.
Prepayment savings
What paying a little extra every month does to your loan.
Pre-EMI or full EMI?
Buying under construction? Compare paying only interest until possession with starting full EMIs right away.
- Monthly during construction
- ₹29,278 avg · up to ₹56,667
- EMI after possession
- ₹69,426
- Total interest
- ₹95 L
- Loan runs for
- 22 yrs 6 mo
- First EMI
- ₹2,314
- EMI at possession
- ₹71,204
- Total interest
- ₹80 L
- Loan runs for
- 20 yrs 0 mo
Starting full EMIs early saves about ₹15 L in interest, because principal starts coming down while the flat is being built. Pre-EMI keeps monthly outgo low while you also pay rent — choose it if cash is tight, and prepay later.
Assumes the bank releases the loan in equal monthly parts over the construction period. Real releases follow the builder's construction-linked plan — the Money Timeline models that month by month.
Rental yield
What a home earns as an investment each year.
Net assumes 5% vacancy. Bengaluru homes typically yield 2.5–3.5% gross.
Home-loan tax saver
First-year tax saving from interest (§24b) and principal (§80C).
Simplified estimate including 4% cess; limits per person. Rules change — confirm with a chartered accountant.
True cost of ownership
Every rupee you'll spend owning the home — and what it really costs per month after resale value.
True cost = everything paid + lost returns − what you'd walk away with after selling. Compare it with rent for a similar home.
Do the maths before the bank does.
EMI, tax, true cost and rent-vs-buy in seconds.
Eight calculators for the money side: EMI, how much you can afford, stamp duty & fees, rent vs buy, prepayment, rental yield, tax savings and true cost of owning.
- 1Jump to a calculator from the tabs
- 2Change any number — results update instantly
- 3Use the plain-language notes under each result
▸ See a real example
Paying ₹10,000 extra a month on an ₹80 L loan can close it years earlier and save lakhs in interest.