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Home Down-Payment Calculator

Plan your down payment savings, estimate stamp duty & registration costs, and calculate the home loan you'll need.

Current home value / target₹80.00 L

₹10L₹10 Cr

Down payment %20%

10%40%

Years to purchase5 years

1 yr15 yrs

Current savings earmarked₹5.00 L

₹0₹50L

Expected investment return10% p.a.

6%15%

Property price appreciation8% p.a.

3%15%

Note: Stamp duty and registration estimated at ~7% of property value. Actual rates vary by state. Home loan EMI assumed at 9% for 20 years on remaining loan amount.

Monthly SIP needed

₹30,333

to build the down payment in 5 years

Future home value (8% p.a.)

₹1.18 Cr

Down payment (20%)

₹23.51 L

Stamp duty + registration (~7%)

₹8.23 L

Total cash needed

₹31.74 L

Savings growth by then

₹8.05 L

Home loan required

₹94.04 L

Est. EMI (9%, 20 yrs)

₹84,608

Start saving for home →EMI Calculator