Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
House Goal Planner
Can you actually afford this home? See the full capital required — down payment, stamp duty, interiors, and EMI reserve — plus how many months of saving it takes and what trimming the target buys you.
House goal
Plan the full capital required — down payment, stamp duty, interiors, and the EMI reserve.
Save & share this scenario
Bookmark these inputs, copy a link, or send the result to someone.
Total capital required
₹35.6L
Ready in 4 years 1 months
Your current savings plus monthly contribution compound into the total capital requirement within the planning horizon.
De-risk the corpus as you approach the goal — keep the last 2 years out of equity.
Total capital
₹35.6L
Down payment
₹20L
Registration + stamp duty
₹7L
Interiors + moving
₹5L
6-month EMI reserve
₹3.6L
Months to target
49 mo
Breakdown
- Down payment₹20L56.2%
- Registration + stamp duty₹7L19.7%
- Interiors + moving₹5L14.0%
- 6-month EMI reserve₹3.6L10.1%
Benchmarks
Trim target price by 20%
+22.5%You
₹49
Benchmark
₹40
A slightly smaller home dramatically shortens the runway.
Save 25% more each month
+19.5%You
₹49
Benchmark
₹41
Aggressive savings beat chasing returns on a short horizon.
15% down payment
+16.7%You
₹49
Benchmark
₹42
Lower down payment speeds buy-in but raises EMI — watch affordability.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Closing costs + interiors are half the down payment
Most buyers plan for the down payment and miss the 10-15% that goes to registration, stamp duty, and interiors. This tool surfaces that explicitly.
Hidden costs
₹12L
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
Can your monthly cash flow actually carry the EMI?
Having the capital is step one — affordability is step two.
Drill into the down-payment-only runway
Our down-payment planner focuses on the 20% chunk alone if that's the only gap you're tracking.
Confirm buying still beats renting
At this target price, run the rent-vs-buy verdict one more time.
Like this calculation?
Save it to your account so you can revisit it anytime, or share the scenario with someone who needs to see it.
At a glance
- What it does
- Totals the full capital needed to buy a home: down payment, stamp duty, interiors, and an emergency EMI reserve for the first few months.
- Beyond the down payment
- Stamp duty and registration (4-8% of price), interiors (~5%), and 6-month EMI reserve add 15-20% on top of the bare down payment.
- Typical output
- ₹1 Cr home × (20% down + 7% stamp + 5% interiors + 6-month EMI reserve) = ~₹36L total. On ₹50k/month savings at 8%, ~60 months.
- Best used for
- A realistic home-fund target that avoids the nasty surprise of running out of cash after booking.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Total capital = Down payment + Registration & stamp duty + Interiors & moving + Emergency EMI reserve.
- Months to target = iterative monthly compounding until the projected corpus reaches the total capital requirement.
- Emergency reserve = estimated monthly EMI × buffer months.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Down payment default is 20% of home price; most lenders require 10-25%.
- Registration + stamp duty default is 7% (middle-ground for India; actual varies 4-8% by state).
- Interiors + moving default is 5% of home price; actual depends on scope.
- Emergency reserve of 6 months is a common buffer for the post-purchase first year.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why plan for more than just the down payment?
Most buyers plan for 20% of the home price and get blindsided by the 10-15% more that goes to registration, interiors, and moving. This tool makes that explicit so your home fund target is realistic.
How is the EMI reserve calculated?
Estimated monthly EMI × the number of months you want as a buffer (default 6). The idea is to have enough liquid cash to handle 6 months of EMI + living expenses if something disrupts your income.
What if my state has lower stamp duty?
Lower the closing-cost ratio slider. Rates range from 4% (some southern states) to 8% (some northern states). A local agent or your lender can give you the exact number.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Related guides
Long-form explainers that put the math behind this tool in context.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
Methodology · Corrections · Terms · Privacy