Real estate utility · Affordability planner

Property purchase budget planner.

Estimate affordable purchase price, required down payment, stamp duty, interior reserves, loan EMI, and monthly debt-to-income feasibility. No private account saving.

Illustrative preview · your entries determine results

01 Set your assumptions02 Review the details03 Keep the qualification with the result

Starting entries are illustrative examples. Replace them with your own records or dated quotations. They are not verified project, property, owner or legal facts.

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Real estate utility · Affordability planner

Property purchase budget planner.

Estimate affordable purchase price, required down payment, stamp duty, interior reserves, loan EMI, and monthly debt-to-income feasibility. No private account saving.

Illustrative preview · your entries determine results

01 Set your assumptions02 Review the details03 Keep the qualification with the result

Starting entries are illustrative examples. Replace them with your own records or dated quotations. They are not verified project, property, owner or legal facts.

Property Purchase Budget & Affordability Planner

Explore down payment, entered fees, loan repayment and cash flow scenarios. Confirm rates and lender terms independently; this is not financial advice or a loan approval.

Browser calculation: The planner computes the figures in this tab without saving your financial inputs to an owner account. Export before leaving. Example inputs are not market rates; 0% fee defaults mean excluded until you enter confirmed rates.

I have checked the entered fee rates and lender assumptions; zero fees exclude those costs.

Entered scenario only. Debt-ratio 40%/50% bands and 75% LTV are editable/example planning assumptions, not regulatory or lender decisions. Income capacity reserves entered ongoing housing costs. Savings capacity first reserves entered ancillary costs. Loans round monthly to paise and reconcile the final instalment.

1. Liquid Capital & Income

Available Liquid Savings (₹)

Mandatory Emergency Reserve to Preserve (₹)

Monthly Take-Home (₹)

Existing EMIs (₹)

2. Target Property & Loan Terms

Target Property Consideration (₹)

Down Payment (%)

Tenure (Years)

Interest Rate (%)

Lender LTV planning assumption (%)Annual home insurance reserve (INR)

3. Statutory & Ancillary Costs

Stamp Duty Rate (%)

Registration Rate (%)

Interior & Fit-out Budget (₹)

Legal Due Diligence (₹)

Moving / Incidental Buffer (₹)

Monthly Maintenance (₹)

Annual Property Tax (₹)

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