Home Affordability Calculator
The realistic property budget for your income and savings.
Your home budget is the loan your income supports plus your down payment, minus registration and interior costs. As a rule, keep the home loan EMI under 35% of net income and total property cost under 5 times annual household income.
Your Inputs
Affordable property price
Home loan you can service
₹59,25,926
Monthly EMI
₹51,427
How this works
The costs buyers forget
Stamp duty and registration run 5-8% depending on the state, GST applies at 1-5% on under-construction property, and interiors typically cost 8-12% of the property value. Budget these in cash, because lenders fund only the base property price.
Keep an emergency buffer
Do not drain your savings into the down payment. Retain at least six months of expenses plus six EMIs in liquid form. Job loss with a fresh home loan and no buffer is the single most common cause of default.