Buyer Tools
Property Affordability Calculator
Combine income, existing EMIs, down payment, and comfortable EMI ratio to estimate a usable purchase budget.
Affordability inputs
Use your comfortable EMI ratio, not the maximum you could theoretically borrow.
Estimated property budget
Built from indicative loan support plus your available down payment.
What this calculator does
It estimates the overall property budget you may comfortably support with your income, obligations, and down payment.
How the calculation works
The tool converts your comfortable EMI capacity into an indicative loan amount using the EMI formula, then adds your planned down payment to estimate the overall property budget.
What the result means
The result is a planning ceiling for shortlisting properties, not a guaranteed purchase budget.
Important limitations
Registration, interiors, maintenance deposits, lender fees, and legal review costs are outside this estimate.
FAQs
Can I model a safer budget?
Yes. Use a lower comfortable EMI ratio if you want a more conservative estimate.
Does the result include all ownership costs?
No. It excludes interiors, maintenance deposits, and lender fees.