Free Property & Home Loan Calculators for India
Every tool is free, needs no signup, and runs entirely in your browser; your numbers never leave your device.
Rent vs Buy Calculator
The main event: compare owning against renting-and-investing over your chosen comparison period, including the opportunity cost of your down payment.
Run the comparison-
Your budget
Home Loan Affordability Calculator
A realistic property budget from your actual monthly surplus: maximum loan, comfortable EMI, and a risk check on how far you are stretching.
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Your loan
Home Loan EMI Calculator
Monthly EMI with the full amortisation schedule: principal–interest split, total interest cost and CSV export.
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Renting
True Rental Expense Calculator
What renting really costs over your stay: rent inflation, brokerage, deposits, moving, and maintenance, not just the monthly rent.
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Investing
Property Investment Calculator
Buying a flat to rent out vs investing the same money: rent, vacancies, tenant churn, and appreciation, weighed against simply compounding it.
Which calculator should you use first?
Starting out, with no budget yet? Begin with the Affordability Calculator; it turns your income, expenses, and existing commitments into a property budget you can actually carry. Then run that budget through the EMI Calculator to see the monthly cost in black and white, and finish with the Rent vs Buy Calculator to test whether buying at that budget beats renting the same home.
Torn between renting and buying? Go straight to the Rent vs Buy Calculator. For an honest comparison, feed it a realistic rent figure: the True Rental Expense Calculator shows what renting really costs over a full stay, with escalation, deposits, and moving costs included.
Loan terms already in hand? Put them into the EMI Calculator for the full amortisation schedule, and sanity-check the EMI against what the Affordability Calculator says you can comfortably repay, before you sign rather than after.
What every calculator here shares
Each tool is built on the same principles, so results carry cleanly from one to the next:
- Multi-factor inputs: maintenance, taxes, deposits, escalation, and inflation, not just the headline numbers.
- Long horizons: projections run up to 30 years, and the rent vs buy comparison can extend past the loan tenure.
- Editable assumptions: every rate and estimate is yours to change, and recalculating takes seconds.
- CSV export: take the year-by-year tables into Excel or Sheets for your own analysis.
- In-browser privacy: calculations never leave your device.
Keep reading
- Should you rent or buy a house in India? The full decision framework behind the flagship calculator.
- The hidden costs of home ownership beyond the EMI: what to include in the owning-cost inputs.
- Understanding EMI: how the instalment is built and why the interest share shifts.
- 7 truths about renting and buying: the honest trade-offs on both sides.
- Down payments on Indian home loans: how much you need and where it goes.
Calculator questions, answered
Which calculator should I use first?
It depends on where you are. If you have no budget yet, start with the Home Loan Affordability Calculator to find what you can comfortably carry. If you are weighing renting against buying, go straight to the Rent vs Buy Calculator. If your loan terms are already settled, the EMI Calculator shows exactly what the loan will cost month by month.
How accurate are the results?
The arithmetic is exact: every calculator applies standard financial formulas to the numbers you enter. What the results depend on is the quality of your assumptions, because rents, appreciation rates, and investment returns are estimates about the future. Treat the outputs as a well-lit guide for your decision, not a guarantee.
Do you store the numbers I enter?
No. Every calculation runs entirely in your browser. Nothing you type is transmitted to our servers or stored anywhere; close the tab and it is gone.
Can I use these calculators for any Indian city?
Yes. City differences enter through the inputs: property prices, rents, appreciation history and property tax vary widely between, say, Mumbai and Coimbatore, but the underlying maths is the same. Use numbers from your target locality and the results reflect your market.
What is a safe EMI-to-income ratio?
Keeping total EMIs within 40–50% of your disposable income is the commonly cited comfort band. Above that, one salary disruption can turn a loan into a crisis. The Affordability Calculator flags the risk level of whatever share you choose.
How is the affordability calculator different from a bank eligibility check?
A bank eligibility check computes the most it is willing to lend you, usually from your gross salary. Our Affordability Calculator works from your actual monthly surplus (income minus expenses, savings, and existing EMIs) to find what you can repay without squeezing your life. The two numbers can differ a lot, and the gap is worth knowing before you sign.