Calculators - A Comprehensive Guide to Real Estate Market Updates

Home Loan EMI Calculator

Calculate your monthly EMI, total interest payable, and view year-wise amortization.

Loan Amount (₹ Lakh)

Interest Rate (% per year)

Loan Tenure

Monthly EMI —

Total Interest —

Total Payment —

Principal vs Interest

Frequently asked questions

What is the EMI formula?

EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ – 1), where P is the principal, r is monthly interest rate, and n is tenure in months.

What is a good home loan interest rate in 2025-26?

Home loan rates from major banks typically range from 8.4% to 9.5% p.a. depending on the lender, loan amount, and your credit score.

Home Loan Eligibility Calculator

Find out the maximum home loan you qualify for based on your income and existing EMIs.

Monthly Net Income (₹ Hundred)

Existing Monthly EMIs (₹ Hundred)

Interest Rate (% p.a.)

Loan Tenure (Years)

FOIR (Fixed Obligation to Income Ratio)Banks typically allow 50% of income toward all EMIs.

Maximum Eligible Loan—

Approx. Monthly EMI—

Home Loan Prepayment Calculator

See how much interest you save by making a lump-sum prepayment on your home loan.

Original Loan Amount (₹ Lakh)

Interest Rate (% p.a.)

Original Tenure (Years)

EMIs Already Paid

Prepayment Amount (₹ Lakh)

Outstanding Loan—

New Monthly EMI—

Old Monthly EMI—

Total Interest Saved—

Down Payment Planner

Calculate how long it will take to save your down payment given your current savings rate.

Property Price (₹ Lakh)

Down Payment Target (%)

Current Savings (₹ Lakh)

Monthly Savings (₹ Thousand)

Expected Annual Return on Savings (%)

Down Payment Target—

Shortage—

Time to Reach Goal—

Rent vs Buy Calculator

Compare the long-term financial impact of renting vs buying a property in India.

Current Monthly Rent (₹ Hundred)

Property Price (₹ Lakh)

Down Payment (%)

Home Loan Rate (% p.a.)

Annual Rent Increase (%)

Annual Property Appreciation (%)

Comparison Horizon (Years)

Monthly EMI (if buying)—

Property Value at End—

Net Cost of Buying—

Total Rent Paid—

Adjust values above

Area Unit Converter

Convert between sq ft, sq meter, sq yard, acre, hectare, kanal, marla, guntha, cent, katha, biswa, and all Indian land units.

Value

From Unit

To Unit

Result—

Bigha to Acre Converter

Convert Bigha to Acre (and Acre to Bigha) with state-specific Bigha values for UP, Bihar, Rajasthan, West Bengal, Assam, Gujarat, HP, and more.

Select Your State

Conversion Direction

Enter Value

Result—Acres

Note: Bigha sizes vary significantly by state and even by district. Pucca Bigha and Kaccha Bigha are different measures. Always verify with your local revenue records (Patwari / Tehsil office).

Carpet Area Calculator

Convert Super Built-up Area → Built-up Area → RERA Carpet Area. Understand what you're actually buying.

Super Built-up Area (sq ft)

Loading Factor (%) Loading = common areas, walls, corridors. Typically 20–35% for apartments.

Super Built-up Area—

Built-up Area (approx.)—

Carpet Area—

Carpet % of SBA—

Stamp Duty & Registration Calculator

Calculate stamp duty and registration charges for property purchase across all major Indian states (FY 2025-26 rates).

State

Property Value (₹ Lakh)

Buyer Gender

Stamp Duty Rate—

Stamp Duty—

Registration Charges—

Total (Stamp + Registration)—

Rates are indicative for FY 2025-26. Actual rates may vary based on property type, zone, buyer category, and state amendments. Consult a sub-registrar or legal advisor for exact figures.

Capital Gains Tax Calculator on Property

Calculate LTCG / STCG tax on property sale. Includes Budget 2024 changes — compare 20% with indexation vs 12.5% without indexation.

Purchase Price (₹ Lakh)

Sale Price (₹ Lakh)

Purchase Financial Year

Sale Financial Year

Improvement Cost (₹ Lakh)

Gains Type—

Budget 2024: Choose the option with lower tax.

With Indexation

20% LTCG

—

Gain: —

Lower Tax ✓

Without Indexation

12.5% LTCG

—

Gain: —

Lower Tax ✓

Indexed Cost of Acquisition

CII values used: FY 2001-02 (base 100) to FY 2025-26 (376). Properties purchased before FY 2001-02 use FMV as of April 1, 2001 as cost of acquisition. Surcharge and cess not included. Consult a CA for final tax computation.

Home Loan Tax Benefit Calculator (Section 80C + 24B)

Calculate annual income tax saving on your home loan under the old tax regime.

Annual Interest Paid (₹ Lakh)Section 24B limit: ₹2 Lakh (self-occupied), unlimited for let-out.

Annual Principal Repaid (₹ Lakh)Section 80C limit: ₹1.5 Lakh (combined with other 80C investments).

Your Tax Slab

Property Type

Sec 24B Deduction (Interest)—

Sec 80C Deduction (Principal)—

Total Deduction—

Annual Tax Saved—

Monthly Saving—

These deductions are available under the Old Tax Regime only. Under the New Tax Regime (default from FY 2023-24), home loan deductions are not available except for let-out property interest.

TDS on Property Purchase Calculator (Section 194IA)

Check if TDS applies on your property purchase and calculate the exact amount to deduct and deposit.

Total Sale Consideration (₹ Lakh)

TDS Applicable?—

TDS @ 1%—

Net Payment to Seller—

Buyer must deduct 1% TDS on the entire sale amount (not just the amount above ₹50L) when property value ≥ ₹50 Lakh. Deposit via Form 26QB within 30 days. No TDS if property is agricultural land.

GST on Property Calculator

Calculate GST on under-construction property purchase. Ready-to-move-in (CC obtained) properties are GST exempt.

Property Category

Property Value / Agreement Value (₹ Lakh)

GST Rate—

GST Amount—

Total Cost (incl. GST)—

Affordable Housing: value ≤ ₹45L and carpet area ≤ 90 sq m (metro) or ≤ 60 sq m (non-metro). GST is applicable only on under-construction properties. Stamp duty is payable separately.

Rental Yield Calculator

Calculate gross and net rental yield to evaluate if a property is a good investment.

Property Value (₹ Lakh)

Monthly Rent (₹ Hundred)

Monthly Maintenance / Expenses (₹ Hundred)Include society charges, property tax, repairs.

Gross Yield—

Net Yield—

Annual Rental Income—

Yield Rating—

Good rental yield in India: 3–4% is fair, 5–6% is good, above 7% is excellent. Metro cities typically yield 2–4%; tier-2 cities can offer 4–6%.

Construction Cost Estimator

Estimate the cost of constructing a house in India based on area, city tier, and construction quality (2025-26 rates).

Built-up Area (sq ft)

City Tier

Construction Quality

Cost per sq ft—

Estimated Minimum Cost—

Estimated Maximum Cost—

Estimates are for civil construction only and exclude land cost, approval/permit fees, architect fees, and interior design. Rates are indicative for 2025-26 and vary significantly by contractor, material market prices, and local conditions.

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