Affordability Calculator
Find the home price you can comfortably afford, from your income, available down payment and loan terms.
How affordability is worked out
Your affordable price is the loan you can service plus the cash you bring. We size the loan from your income (via FOIR), then add your down payment.
- Max EMI = income × FOIR
- Eligible loan = the loan that EMI supports, at the given rate and tenure
- Affordable price = eligible loan + down payment
Budget another 6–10% on top for registration, stamp duty and interiors — these aren't part of the home price.
Affordability calculator FAQ
How much down payment do I need?›
Lenders usually fund 75–90% of the property, so plan for a 10–25% down payment plus registration and stamp duty costs.
What's the 40% EMI rule?›
A common guideline is to keep all EMIs under ~40% of your income so the budget stays comfortable. This calculator uses an adjustable FOIR for the same idea.
What costs come on top of the price?›
Registration, stamp duty, GST (for under-construction), interiors and a moving buffer — typically 6–10% extra.