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Home Buying Journey - Plan Your Purchase

Step-by-step home buying calculator suite: affordability, eligibility, EMI, stamp duty, tax benefits, and rent vs buy analysis

Complete Financial Planning in 6 Steps

Follow our guided journey to make informed home buying decisions

BasicsBudgetCostsTax & MonthlyAnalysis
1

Basics

Step 1 of 6

Tell us your goal and income details.

Basics

Tell us your goal and income details.

Advanced
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years
%
2

Budget

Step 2 of 6

Tune price, down payment, and EMI. Bank rules apply.

Budget

Tune price, down payment, and EMI. Bank rules apply.

years
Income cap
₹51.9L
Based on FOIR and your existing EMIs.
LTV cap
₹40.0L
Banks fund only up to 80% of price.
Eligible loan
₹40.0L
Lower of income cap and LTV cap.
Loan needed
₹40.0L
Monthly EMI
₹35K/mo
Down payment %
20.0%
3

Costs

Step 3 of 6

Calculate additional costs like stamp duty and registration fees.

Stamp Duty Calculator

Total Additional Costs:₹3.0L

Buyer Options

💡 Cost Breakdown
Stamp Duty: 5.0%
Registration: 1.0%
ℹ️ Quick Info
• Women buyers get discounts in select states
• Joint ownership affects tax planning
• Rates vary by state and property value
4

Tax & Monthly

Step 4 of 6

Calculate your annual tax savings from home loan benefits.

Tax Benefits Calculator

Annual Tax Savings:141K

💡 Tip: Interest payments qualify for Section 24(b) deduction up to ₹2L, while principal payments qualify for Section 80C deduction up to ₹1.5L.

Joint Loan Benefits Calculator

Combined Tax Savings:65K
%
%
5

Rent vs Buy Analysis

Step 5 of 6

Should you rent or buy? Compare the long-term financial impact of both options.

Rent vs Buy Calculator

Recommendation:RENT (10 years)
Appreciation rate shared with investment analysis
6

Investment Analysis

Step 6 of 6

Estimate your property's future value and analyze it as an investment.

Property Appreciation Calculator

Future Property Value (10 years):₹81.4L