Real Estate
Home Affordability Calculator
Works backward from your income and an EMI-to-income comfort ratio to the maximum loan and property value you can reasonably afford.
Your details
₹
₹
%
%
yrs
₹
Affordable property value
₹84,13,850
Maximum loan amount
₹69,13,850
Maximum comfortable EMI
₹60,000
Keeping your EMI at or below ₹60,000/month (40% of income), you can borrow up to ₹69,13,850 — putting your affordable property value, including your down payment, at around ₹84,13,850.
How this is calculated
Maximum EMI = (Monthly income × EMI-to-income ratio) − existing EMIs. This is reverse-solved through the standard EMI formula to find the maximum loan principal, then added to the down payment for affordable property value.
Frequently asked questions
What EMI-to-income ratio is considered safe?
40% is a commonly used ceiling that most lenders and planners are comfortable with, including all existing EMIs — lower is more conservative.
Does this include stamp duty and registration costs?
No — this is the affordable property price only; budget an additional 5–8% on top for stamp duty, registration, and other one-time costs. See our Stamp Duty Calculator.
How does a bigger down payment change things?
Every rupee of down payment adds directly to your affordable property value without increasing your EMI — it's usually the fastest lever to afford more.