Real Estate Pillar
Property & Rental Analysis Engines. Each calculator is optimized for precision and compliant with latest financial standards.
property investment
7 ToolsRental Yield vs FD Calculator
Compare post-tax returns of real estate rental income vs fixed deposits using the Section 24(a) tax benefit.
In FY 2026-27, FDs typically offer 6.5-7.5% pre-tax yields, while residential rental yields hover around 2-3%. However, rental income benefits from a flat 30% standard deduction under Section 24(a). When combined with long-term capital appreciation (5-8% p.a.), real estate often provides superior total wealth creation over a 10-year horizon.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Rental Yield Calculator
Calculate gross/net rental yields, cap rates, and post-tax ROI for Indian residential & commercial properties.
A good rental yield for residential property in Indian metros is 2.5% to 3.5%, while commercial properties can offer 7% to 10%. In FY 2026-27, calculating 'Net Yield' is critical, as it accounts for property taxes, maintenance, and the Section 24(a) standard deduction.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over 10-20 years, including appreciation and maintenance.
In most Indian metros, renting is mathematically cheaper if rental yields are <3% and loan rates are >8.5%, unless property appreciation exceeds 7% annually. In FY 2026-27, with the New Tax Regime removing Section 24(b) benefits for most, the 'Renter' often wins.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Property ROI Calculator
Calculate absolute gain, price CAGR, total CAGR, and average rental yield on a property investment after accounting for all acquisition, holding, and exit costs.
Real Estate ROI is not just 'Sale Price minus Purchase Price'. In FY 2026-27, a true ROI calculation must include acquisition overheads, annual maintenance, property tax, net rental income, and the 12.5% LTCG tax on exit.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Stamp Duty Calculator
Calculate exact stamp duty and registration charges for any Indian state. Factors in circle rate vs agreement value, property type, and female buyer concessions.
Stamp duty is a state-level tax on property transactions. In FY 2026-27, rates vary from 3% to 7% across India. Many states like Delhi, Haryana, and Rajasthan offer a 1-2% concession for female buyers.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Under-Construction GST
Calculate the exact GST payable on an under-construction property and determine whether you qualify for the 1% affordable housing rate or the standard 5% rate.
GST on residential property in FY 2026-27 is 1% for 'Affordable Housing' (Value ≤ ₹45.00L) and 5% for others. Ready-to-move properties with an Occupation Certificate (OC) attract 0% GST.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Capital Gains Exemption (54/54F)
Calculate tax savings under Section 54 and 54F when reinvesting capital gains into a new house property.
Section 54 and 54F are tax-saving tools for property sellers. In FY 2026-27, the total exemption claim under these sections is strictly capped at ₹10.00Cr.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
real estate planning
6 ToolsTrue Cost of Property Purchase
Expose hidden costs like stamp duty, GST, brokerage, and interiors to find the true price of your home.
The true cost of buying a property in India is usually 8% to 15% higher than the builder's agreement value. You must account for Stamp Duty (5-7%), Registration (1%), Brokerage (1-2%), GST for under-construction (1-5%), and interior fit-outs.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Under-Construction Property Cost
Visualize the combined cost of paying Pre-EMI interest and rent while your home is under construction.
Buying an under-construction property in FY 2026-27 involves a 'Double Burden': paying rent for your current stay while paying Pre-EMI interest to the bank. This tool calculates your total cash outflow over the construction period.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Second Home Affordability Calculator
Calculate your maximum loan capacity for a second property based on FOIR limits and existing debt.
Banks treat second home loans differently by applying a stricter Fixed Obligation to Income Ratio (FOIR), typically capping total EMIs at 50% of your net income. You can add 50% of the expected rent from the second property to your eligible income.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Property Affordability
Calculate your maximum home loan eligibility and property budget based on your income, existing EMIs, and available downpayment using the FOIR and LTV rules.
Your property budget in FY 2026-27 is capped by your cash for down payment (20-25%) and your monthly EMI capacity (typically 40-55% of net income).
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Pre-EMI vs Full EMI Calculator
Compare the long-term interest cost of paying only interest vs. full EMI during property construction.
Choosing Full EMI over Pre-EMI during construction can save you lakhs in interest because you start reducing the principal balance from month 1.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Home Down Payment Planner
Calculate the required monthly savings (SIP) to reach a down payment goal. Factors in property inflation, existing savings, and estimated transaction costs.
To buy a house in India, you need at least 25-30% of the property value in cash (20% down payment + 7% duties + 3% buffers).
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
home loans
4 ToolsHome Loan EMI Calculator
Calculate your exact monthly EMI, total interest payable, and full amortization schedule using the reducing balance method.
A home loan EMI consists of both principal and interest components. In FY 2026-27, for a ₹50 Lakh loan at an 8.5% floating rate for 20 years, the EMI is approximately ₹43,391.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Home Loan Balance Transfer
Compare your current home loan with a new lender's offer to calculate net interest savings and break-even month.
A home loan balance transfer can save you lakhs in interest if you move to a lender with a lower rate early in your tenure. In FY 2026-27, ensure the new rate is at least 0.5% lower to justify the processing fees.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Home Loan Tax Benefit Calculator
Calculate your exact annual tax savings under Section 24(b) and Section 80C, and discover your true effective home loan interest rate.
Home loans offer two major tax shields in India: Section 24(b) for interest (up to ₹2.00L) and Section 80C for principal (up to ₹1.50L). These benefits effectively reduce your borrowing cost under the Old Regime.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
Reverse Mortgage Calculator
Calculate your fixed monthly income from a reverse mortgage and visualize how your home equity changes over time.
Reverse mortgage allows senior citizens (60+) to convert their home equity into tax-free income. In FY 2026-27, banks typically sanction up to 60% of the property's value with no monthly repayments required.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.
debt management
1 ToolsHome Loan Affordability
Calculate precisely how expensive a house you can afford based on income and savings.
In FY 2026-27, most Indian banks use a Fixed Obligation to Income Ratio (FOIR) of 45-55% to determine your EMI capacity and loan eligibility.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Step-By-Step Usage
- 1
Enter your core financial variables into the specialized input panel on the left.
- 2
Adjust sliders or toggles to model different scenarios and immediate impact.
- 3
The results section will update in real-time with visual charts and data.
Strategic Analysis
- A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
- B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
- C
Export the result if you need to share it with a financial professional.