Buyer Tool

Property Affordability Calculator

Work out a comfortable property budget from your income, existing EMIs and savings.

Property Affordability Calculator

Monthly take-home income (₹)

Existing EMIs per month (₹)

Share of income for EMIs (%)

Many lenders cap total EMIs at 40–60% of income.

Interest rate (% p.a.)

Tenure (years)

Savings for down payment (₹)

Affordable new EMI–

Loan you can service–

Indicative property budget–

Indicative figures only. Actual amounts depend on your lender, your state’s current rules and your circumstances. This is not financial advice.

How it works

This calculator works backwards from the EMI you can comfortably afford to the loan that EMI can support, then adds your savings for the down payment. Remember to keep money aside for stamp duty, registration, interiors and an emergency fund.

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