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India Home & Loan Calculators.
EMI, stamp duty, TDS, capital gains, construction costs, NRI loans, solar subsidy — 56 tools built for Indian buyers with 2026 rates, all in ₹.
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11 calculatorsHome FinanceEMI, eligibility, PMAY subsidy, tax benefit, balance transfer, plot loan, GST on property and more.10 calculatorsHome MaintenanceInterior painting, false ceiling, modular kitchen, floor tiles, waterproofing, solar panels and more.7 calculatorsTax & LegalCircle rate minimum valuation, TDS on property, LTCG/STCG capital gains, RERA delay compensation, municipal property tax, and rental yield.6 calculatorsConstructionHouse construction cost, interior design, bathroom renovation, and wardrobe cost estimates.10 statesStamp DutyMaharashtra, Delhi, Karnataka, Kerala, Tamil Nadu, Telangana, Gujarat, West Bengal, Uttar Pradesh and Bihar — state rates, value bands and concessions.9 calculatorsInvestment & NRIRental yield tools — cap rate, cash-on-cash, pro-forma, short-term rental ROI — plus property vs SIP, NRI home loans, EV charger, and PM Surya Ghar subsidy.
All 56 calculators
Every India calculator
Home Finance
11Home Maintenance
10Tax & Legal
7Construction
6Stamp Duty
1310 major states · male / female rates
Stamp Duty by State
Maharashtra
Male 5%Female 4%
Delhi
Male 6%Female 4%
Karnataka
All buyers · 5%Kerala
All buyers · 8%Tamil Nadu
All buyers · 7%Telangana
All buyers · 4%Gujarat
All buyers · 4.9%West Bengal
All buyers · 6%Uttar Pradesh
7% · 6% woman ≤ ₹1 CrBihar
7% · 6.6% man → womanStamp duty, circle rates & key costs
City Property Guides
From the blog
Long-form explainers, every figure sourced.
MortgagesIndiaWhen Your Home Loan Rate Resets: EMI or Tenure, and What RBI Rules Let You DoA rate rise gives you three levers: a higher EMI, a longer tenor, or a part-prepayment. We worked a ₹50 lakh loan through each and set out what the RBI's own circulars say the lender must offer, disclose and not charge.Property Taxes & FeesIndiaBuying a Plot or Agricultural Land in India: Who May Buy, Conversion, and What Registration Costs, by StateA plot is not a flat. The state decides who may buy agricultural land, whether it must be converted before you build, and what the sub-registrar charges. We read the statutes for four states and priced a ₹50 lakh plot in each.Home BuyingIndiaMutation After You Buy Property in India: What Karnataka, Telangana, Uttar Pradesh and Delhi RequireRegistration moves the title. Mutation moves the name in the record that the tax office, the Tahsildar and your lender read. We read four states' laws and say what each one asks of the buyer, and what we could not read.Property Taxes & FeesIndiaBuying or Selling Below the Circle Rate in India: Stamp Duty, Seller Tax and Buyer TaxSell a flat for ₹80 lakh when the circle rate says ₹90 lakh and three bills change at once: stamp duty on ₹90 lakh, the seller's capital gain on ₹90 lakh, and the buyer's income on ₹10 lakh. Here is how each works, with the 10% tolerance and the 2025 Act section numbers.Renovation & RepairIndiaWhat a Modular Kitchen Quote in India Includes Beyond the CabinetsA per-square-foot kitchen quote prices the cabinets. The chimney, hob, sink, countertop, civil work and GST usually sit outside it. We priced what we could from the makers' own pages and say plainly where we could not.Home BuyingIndiaIFMS, Corpus Fund, Advance Maintenance and the Society Transfer Fee: What a Builder or Society Can Charge YouThe interest-free maintenance deposit is not a refund to you, a corpus fund is three different things, and Maharashtra's draft bye-laws cap a resale premium at ₹25,000. We read the rules and mark what no rule caps.
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Free Buyer Guides
Guide · IndiaFirst-Time Home Buyer Guide10-step process, CIBIL, RERA, tax benefitsGuide · IndiaNRI Property Buying GuideFEMA rules, TDS 22.88%, repatriationGuide · IndiaRERA Buyer Rights Guide8 rights, complaint process, compensationGuide · IndiaConstruction Cost GuideStage costs, materials, 6 ways to save
Why RealCostIQ
Why use these calculators?
01
Built for India
INR, Indian tax laws, Indian building costs — not US rates converted.
02
2026 rates
GST, PM Surya Ghar subsidy, stamp duty, MCLR, and construction costs current.
03
Runs in your browser
Calculations happen on your device; the figures you type are never sent to us.
04
Cost ranges
Low-to-high estimates based on real contractor rates — not false precision.