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Work out what you can afford, what your EMI will be, and what a property could earn you. No sign-up, nothing saved.
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How much home can you afford?
Enter your income and expenses to see the largest loan a bank is likely to approve, and the property price that puts within reach.
- The 45% rule
- Banks usually keep your EMI within about 45% of your take-home pay after expenses.
- Down payment
- Most lenders want 10–20% upfront. A bigger down payment means a smaller EMI.
₹12.00 L
₹30,000
₹10.00 L
8.5% p.a.
20 years
You can afford up to₹46.30 L
Maximum Loan amount₹36.30 L
Suggested EMI₹31,500/mo
Debt-to-income ratio31.5%
Down payment₹10.00 L
Monthly payment
What will you pay each month?
Your EMI is the fixed amount you pay the bank every month until the loan is repaid. It covers both principal and interest.
- Try the rate
- A rate just half a percent lower saves lakhs over 20 years. Slide it and watch total interest.
- Tenure trade-off
- A longer tenure lowers your EMI but raises the total interest you pay.
₹50.00 L
8.5% p.a.
20 years
Your monthly EMI₹43,391
Principal₹50.00 L
Total interest₹54.14 L
Total payment₹1.04 Cr
For investors
What could it earn you?
Estimate your total return from rent and price growth over the years you plan to hold the property.
- Be conservative
- Appreciation varies a lot by city and neighbourhood. Start with a modest rate.
- Rent isn't profit
- Maintenance, property tax and vacant months reduce what you actually keep.
₹50.00 L
₹25,000
5%
5 years
Estimated total return57.6%
Value at sale₹63.81 L
Rent earned₹15.00 L
Total gain₹28.81 L