Discover how much home you can comfortably afford. This calculator goes beyond just EMI — it factors in your income, expenses, maintenance, and property tax to give you a realistic monthly housing cost.
Enter your monthly income, expenses and down payment
Car loan, personal loan, credit card EMIs, etc.
Groceries, utilities, rent, kids, insurance, etc.
Monthly maintenance charges (apartment, gated community)
* Affordability is a personal financial decision. This calculator uses 40% of disposable income as the comfortable housing budget benchmark.
These are two different questions. Both matter before you buy.
"What home price fits my budget comfortably?" — a personal financial decision based on your full monthly expenditure including maintenance and property tax.
"What loan will the bank approve?" — determined by FOIR rules, CIBIL score, employment type and income. May differ from what you can comfortably afford.
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