Educational analytics only — not investment advice or trading signals. Read disclaimer.
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Home Purchase Planner

Explore home affordability with location-specific pricing and comprehensive cost analysis

Explore Preset Scenarios

Select a scenario to auto-fill the calculator, then customize as needed

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Location

or select location tier below for custom pricing
Metro: Mumbai, Delhi, Bangalore, etc.

Property Details

Typical 2BHK: 800-1000 sq ft, 3BHK: 1200-1500 sq ft
Metro cities: ₹8,000-15,000/sq ft

Financial Parameters

Calculated: Carpet Area × Price per sq ft
Typically 20-30%, minimum 10%
Current home loan rates: 8.5-9.5%
For rent vs buy comparison and net EMI calculation

Cost Factors

Varies by state: 4-8%
Typically 1% of property value
Apartments: ₹2-5/sq ft, Houses: ₹1-2/sq ft

Purchase Summary

Home Value ₹0
Down Payment ₹0
Loan Amount ₹0

Monthly Costs

EMI ₹0
Maintenance ₹0
Property Tax ₹0
Total Monthly ₹0
Net EMI (EMI - Rent) ₹0

Upfront Costs

Stamp Duty ₹0
Registration ₹0
Legal Fees ₹0
Total Upfront ₹0

Total Investment

Down Payment + Upfront ₹0

Rent vs Buy Analysis

Understanding the Calculations

Home Value

Calculated by multiplying carpet area with price per sq ft. Adjust based on your target property.

EMI Calculation

Monthly EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is loan amount, r is monthly rate, n is months.

Upfront Costs

Include stamp duty (state-specific), registration (usually 1%), legal fees (~0.5%), and brokerage (~1%).

Net EMI

Net EMI = EMI - Rent Saved. This represents your additional monthly outflow compared to renting.

Ongoing Costs

Monthly maintenance (₹2-5/sq ft for apartments), property tax (~0.5-1% annually), and home insurance.

Rent vs Buy

Compares total cost of ownership vs renting, factoring in opportunity cost of down payment and home appreciation.