🧮 Smart Calculators

Property Calculators

Make smarter decisions with India-specific calculations

Property Price (₹)

₹

Enter total property value

Down Payment: 20%

Interest Rate (% per annum): 8.5%

SBI current rate: 8.5% | HDFC: 8.75% | ICICI: 8.9%

Loan Tenure: 20 years

Monthly EMI

₹—

Loan Amount—

Down Payment—

Total Interest—

Total Amount—

Processing Fee (~1%)—

💡 Tax benefit: Section 24(b) - ₹2L deduction on interest. Section 80C - ₹1.5L on principal.

Monthly Take-Home Salary (₹)

₹

Rent Budget %: 30%

Financial advisors recommend max 30% of take-home for rent

Monthly Fixed Expenses (₹)

₹

Groceries, transport, EMIs, etc.

City Cost Level

Recommended Max Rent

₹—

Take-Home—

After Fixed Expenses—

Recommended Budget—

Left for Savings—

BHK Possible—

💡 HRA exemption: 40% (non-metro) / 50% (metro) of basic salary. Keep rent receipts!

Monthly Rent (₹)

₹

State / Rental Laws

Agreement Duration: 11 months

11-month agreements avoid stamp duty in most states

Security Deposit (Max Legal)

₹—

Monthly Rent—

Max Legal Deposit—

Total Rent (Duration)—

Move-in Total Cost—

Stamp Duty Needed?—

⚖️ As per Model Tenancy Act 2021, security deposit capped at 2 months rent for residential. Landlord must return within 30 days.

Property Purchase Price (₹)

₹

Expected Monthly Rent (₹)

₹

Annual Maintenance Charges (₹)

₹

Vacancy Rate: 5%

Average time property stays vacant per year

Annual Gross Yield

—%

Annual Rental Income—

After Vacancy Loss—

Net Income (after maint.)—

Gross Yield—

Net Yield—

Break-even Years—

📊 India average rental yield: 2.5–4% (residential). Commercial: 6–9%. FD comparison: ~7%.