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Home Buying Cost Calculator

The listing price, and everything it leaves out — stamp duty, registration, brokerage, interiors, loan interest and years of upkeep.

₹

Part of the price, paid from savings. The loan covers the rest.

₹

The rate your lender has quoted you.

%

Loan tenure

Set by your state — check its registration department. We do not fill this in.

%

Also set by your state.

%

Enter 0 if you are buying without an agent.

%

A one-time amount to make the place liveable.

₹

Society dues, repairs and upkeep.

₹

How long you expect to hold it

On top of the price, so far

₹81.50 lakh

Interest, interiors and 20 years of upkeep. Add stamp duty, registration, brokerage — your state sets the first two — to see the full figure.

Where the money goes

Price of the home₹80,00,000
Stamp dutyEnter your rate
RegistrationEnter your rate
BrokerageEnter your rate
Interiors and furnishing₹5,00,000
Loan interest over 20 years₹69,29,840
Maintenance over 20 years₹7,20,000

Needed on the day

Needs your rates

Monthly EMI

₹55,541

The down payment is part of the price, so it is not counted again. What the loan costs is its interest, never the amount borrowed.

Arithmetic on the figures you entered. It counts money leaving your account; it says nothing about what the home may be worth later, and it is not advice on whether to buy.
Educational estimates from your own inputs and assumptions — not investment advice. Muktify is not SEBI-registered.

Before you commit to a home →

Muktify shows how long your savings would keep you going if the income stopped — from three numbers, free. This calculator works without signing up.

See how long your money would last →

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What the listing price leaves out

A home loan calculator answers one question: the monthly EMI. That is the number a lender quotes first. It is not what the home costs. On the day of registration you also pay stamp duty, registration charges and often brokerage, and fitting the place out is a real bill of its own.

Then come the costs that build up slowly. On the calculator’s opening example, ₹64,00,000 borrowed at 8.5% over 20 years (example inputs, not a quoted rate) costs ₹69,29,840 in interest, more than the ₹16,00,000 down payment, and ₹36,000 a year of society dues, repairs and upkeep adds ₹7,20,000 over 20 years. This calculator adds all of it and leads with what you pay on top of the price.

Total = price + stamp duty + registration + brokerage + interiors + loan interest + upkeep for the years you hold it

Why the down payment is not counted twice

The down payment is part of the price, paid from savings, and the loan covers the rest. Adding it on top of the price would count the same rupees twice, which is easy to do when totalling a purchase by hand.

In the same way, what the loan costs you is its interest, not the amount you borrowed. A bigger down payment lowers the interest, but it does not make the home cheaper; it moves money from one line of the total to another.

Why you enter the stamp duty and registration rates

Stamp duty and registration are set by each state, and they vary with the type of property, its location and, in several states, whether the buyer is a woman. They also change with state budgets. A single national figure would be wrong for buyers in other states, so the calculator leaves both boxes empty and adds nothing until you fill them in from your state registration department.

Until then, the result shows what is already known — interest, interiors and upkeep — and labels it as a part-total, so you never mistake an incomplete figure for the full one.

Frequently asked questions

What costs are there when buying a house in India besides the price?

Stamp duty and registration charges set by your state, brokerage if you use an agent, furnishing and interiors, the interest on your home loan across its term, and maintenance every year you hold the property. The calculator totals all six.

Does this calculator include the down payment as an extra cost?

No. The down payment is part of the price, so it is counted once. It does appear in the amount you need on the day, alongside stamp duty, registration, brokerage and interiors.

Why does the calculator not fill in stamp duty for me?

Because it differs by state, by property and sometimes by the buyer, and it changes over time. A figure we supplied could be confidently wrong on one of the largest payments you make, so the boxes start empty and you enter the rates that apply to you.

Should I include interest if I plan to prepay the loan?

Choose the tenure you actually expect the loan to run. Prepaying shortens the loan and cuts the interest, so a total built on the full term overstates the cost for someone who clears it early. The prepayment calculator shows how much a lump sum saves.

Do I need to sign up to use this calculator?

No. It works without an account, and nothing you type is stored: the figures stay in your browser tab and are gone when you close it.

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