Decision engine

Fresh Home Loan Planner

Should you buy at all — or keep renting and investing? How much house can you safely carry, and is ready-to-move or under-construction the smarter path? An honest verdict, with the confidence it deserves.

Your finances

The honest affordability picture. Nothing leaves your browser — these numbers are never saved or sent.

Monthly net income (household take-home) *

₹

Monthly essential expenses (excluding rent) *

₹

Current monthly rent *

₹

Anchors the rent-vs-buy comparison and the under-construction double burden.

Existing EMIs / obligations (optional)

₹

Liquid savings / investable corpus *

₹

Emergency fund to keep untouched *

₹

Your down payment is never planned below this buffer.

Income stability

The home you're considering

Leave this blank to get an affordability-only verdict from your finances alone.

Property type

Property price (agreement value)

₹

Down payment

₹

The balance is financed; the loan is guarded against the LTV cap.

Loan interest rate

% p.a.

Floating assumed.

Loan tenure

months

20 years

City (optional)

Sets the indicative appreciation band (context only, not a forecast).

State (optional)

Sets stamp duty & registration in cash-to-close.

What matters most to you?

Maximize long-term net worthThe best financial outcome versus renting-and-investing.Own a home now / lifestyleOccupy sooner, within a safe buffer.Minimize risk / sleep at nightFavour the path that survives the worst plausible case.

Your verdict

Fill in your finances to get an affordability verdict — add a property to compare buying against renting-and-investing.