Home Buying Planner
See your EMI and whether the home is affordable now or worth waiting for, how buying compares to renting, the cash you'd have left, and how far off your down payment is. Private to your browser.
A planner for figures you enter. Estimates, not advice. Stays in your browser.
Affordable with adjustments
Doable with a bigger cash buffer and a longer tenure to lower the EMI.
₹75.00 L
₹60.00 L
20% down
₹52,069
/mo
43%
of monthly income
₹3.00 L
2.5 months of income
The home & your finances
Where your income goes
Monthly income
₹1.20 L
- Home EMI43%
- Living expenses40%
- Savings & buffer17%
Buy vs keep renting
Buy this home
Cheaper₹72.98 L
of wealth built over 20 years
Keep renting
₹31.81 L
net cost over 20 years
Buying pulls ahead of renting in year 1.
At 6% appreciation and 7% rent growth — both are big swing factors.
Down payment
Target down payment (20%)
₹15.00 L
You have saved
₹24.00 L
Savings vs 20% down payment + buying costs (₹21.00 L)
You have enough for a 20% down payment and buying costs.
Levers that change the EMI
- Put 30% down insteadEMI ↓ ₹7k
- Extend tenure to 25 yearsEMI ↓ ₹4k
- If rates rise 1%EMI ↑ ₹4k
Compare loan offers in minutes
Check your eligibility across lenders online — quick and paperless. Loan Hub, at no extra cost to you.
A ₹60.00 L home loan at 8.5% is about ₹52,069/month.
Not financial advice. An affordability estimate from the price, income and rates you enter — property values, interest rates and rents all vary, so treat these as a starting point. Your data stays in this browser.
Compare loan offers in minutes
Check your eligibility across lenders online — quick and paperless. · Loan Hub, at no extra cost to you.