Plan Your Home Loan End-to-End

Check if renting or buying makes sense

Use the Rent vs Buy calculator to compare the true cost of owning vs renting in your city over a 10-year horizon.

Calculate your maximum loan eligibility

Banks typically lend up to 80% of property value and cap EMI at 40–50% of your net monthly income.

Run your EMI and amortisation schedule

Enter principal, rate, and tenure to see your exact monthly outgo and how much goes toward interest vs principal each year.

Calculate income tax savings

Section 80C (up to ₹1.5L on principal) and Section 24 (up to ₹2L on interest) can significantly reduce your tax outgo.

Plan prepayment strategy

Use the EMI calculator's prepayment feature to see how partial payments early in the tenure dramatically reduce total interest.