Reviewed by Artha Research·Last updated 8 April 2026
House Goal Planner
Plan the full capital required to buy a home — not just the down payment, but closing costs, interiors, and an emergency reserve.
House goal
Plan the full capital required — down payment, stamp duty, interiors, and the EMI reserve.
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%
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.
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.
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