Real Estate Calculators

Every calculator you need for India's property market — from figuring out how much home you can afford on your salary, to stamp duty by state, rental yield, and 20-year rent vs buy analysis.

🏠

Affordability

Max home budget from salary

⚖️

Rent vs Buy

20-year net worth comparison

📊

Rental Yield

Gross & net yield on a property

📋

Stamp Duty

State-wise, all 22 states

📝

Registration

Total buying cost breakdown

📈

Appreciation

Future value by city

🏠

Home Affordability Calculator

How much home can you afford based on your salary? Find your max loan, down payment, and property budget.

Calculate →⚖️

Rent vs Buy Calculator

Compare 20-year net worth from buying vs renting. Accounts for EMI, appreciation, and investment returns.

Calculate →📊

Rental Yield Calculator

Calculate gross and net rental yield on any property. Benchmark against Indian market averages.

Calculate →📋

Stamp Duty Calculator

State-wise stamp duty and registration charges for all 22 states. Includes female owner discounts.

Calculate →📝

Registration Charges Calculator

Calculate property registration charges, legal fees, and total buying cost by state.

Calculate →📈

Property Appreciation Calculator

Project future property value with city-wise historical appreciation rates and year-by-year breakdown.

Calculate →

Planning to buy a home?

Start with the Home Affordability Calculator to know your budget, then use Stamp Duty to estimate registration costs, and run a Rent vs Buy comparison to make the final call.

Check Affordability →EMI Calculator Home Loan Tax Benefit

How Home Buying Costs Work in India

Buying property in India involves more than just the sale price. On top of the agreement value, buyers pay stamp duty (3-7% depending on the state), registration charges (typically around 1%), legal and documentation fees, and often GST on under-construction properties. Together these can add 7-10% to your effective purchase cost — a figure many first-time buyers underestimate when budgeting.

On the financing side, banks typically fund 75-90% of the property value (loan-to-value ratio), meaning you need the remaining 10-25% as a down payment plus the stamp duty and registration costs in cash upfront. Whether buying makes more financial sense than renting depends heavily on your city's price-to-rent ratio, how long you plan to stay, and what alternative return your down payment could earn if invested instead — which is exactly what the Rent vs Buy Calculator models.

Frequently Asked Questions

How much home loan can I get based on my salary?

Most Indian banks lend up to 4-5× your annual gross salary, provided your total EMI obligations (including the new home loan) stay within roughly 40-50% of your monthly take-home pay. The exact figure depends on your credit score, existing loans, and the lender's policy — the Home Affordability Calculator models this using your actual numbers.

Is it better to rent or buy in India?

It depends on your city, how long you plan to stay, and whether the rent-to-price ratio favors renting. In most metro cities, renting and investing the difference can outperform buying over 10-15 years unless property appreciation is unusually strong or you value the stability of owning. Run the Rent vs Buy Calculator with your actual city's numbers to see which wins for your situation.

How is stamp duty calculated in India?

Stamp duty is charged as a percentage of the property's market value or the transaction value, whichever is higher — and the rate varies by state, typically ranging from 3% to 7%. Many states offer a 1-2% discount when the property is registered in a woman's name, which the Stamp Duty Calculator accounts for.

What's a good rental yield in India?

Gross rental yields in most Indian cities range from 2-4%, which is low compared to global markets. Properties in Tier-2 cities or peripheral areas of metros sometimes yield 4-6%. If you're buying primarily for rental income rather than appreciation, a yield below 3% is usually a signal to look elsewhere or negotiate the price down.