Home Purchase Calculator
Plan to buy a home outright, or work out the EMI on a home loan.
- Estimated price of the home in 5 years
- ₹1,33,82,256
- ₹1.34 crore
- Existing savings could grow to
- ₹0
- Monthly SIP needed
- ₹1,71,386
- ₹1.71 lakh
- Or a one-time investment today of
- ₹83,09,328
- ₹83.09 lakh
| Year | Amount invested | Estimated gains | Estimated value |
|---|---|---|---|
| 1 | ₹20,56,636 | ₹1,14,877 | ₹21,71,513 |
| 2 | ₹41,13,273 | ₹4,57,140 | ₹45,70,413 |
| 3 | ₹61,69,909 | ₹10,50,599 | ₹72,20,508 |
| 4 | ₹82,26,546 | ₹19,21,558 | ₹1,01,48,103 |
| 5 | ₹1,02,83,182 | ₹30,99,074 | ₹1,33,82,256 |
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
How this calculator works
Choose how you plan to buy. For a lumpsum purchase, enter what the home would cost today: the calculator increases that price by the property growth rate you expect, grows anything you have already saved, and shows the monthly SIP — or the one-time investment today — needed to cover the difference.
For a home loan, it calculates the equated monthly instalment (EMI) using the standard formula EMI = P × r × (1 + r)^n / ((1 + r)^n − 1), where P is the loan amount, r is the annual interest rate divided by 12, and n is the number of months. The year-by-year table shows how much of your payments go to interest and how much to repaying the loan.
Actual loan terms, processing fees and interest rates vary by lender. Registration, stamp duty and other purchase costs are not included.
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
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