Cost & Affordability
The price a builder quotes is rarely what a home costs. See the all-in number — stamp duty, GST, the builder's other charges, society costs and the true cost of your loan — then check it against your income and savings before you commit.
Enter just 5 numbers — we fill every charge and tax with sensible defaults you can fine-tune later.
The home
Your money
Rule of thumb:your home loan + existing EMIs should stay under ~40% of take-home income (50% gets risky). Your loan funds the flat — taxes & charges come from savings.
Charges & loan
Smart defaults — fine-tune only if you want.
All-in cost to own this home
₹1,19,80,000
Quoted ₹95.00L · +26.1% in charges & taxes you also pay
Can you afford this home?
A stretch
Lenders typically cap this at the 50% marker. Comfortable is under 40%.
You'd need ₹8,80,000more in hand before booking — banks won't fund stamp duty, GST or the builder's extra charges.
Where the money goes
Over 20 years, your loan adds ₹83,82,729 in interest & fees
That's 110% on top of the ₹76.00L you borrow. Your true lifetime cost is ₹2,03,62,729 — shortening the tenure or prepaying cuts this the most.
Line-by-line
| Builder's quoted price | ₹95,00,000 |
| Builder's other charges | ₹9,80,000 |
| Stamp duty6% of agreement value | ₹5,70,000 |
| Registrationcapped at ₹30,000 | ₹30,000 |
| GST5% — under-construction | ₹4,75,000 |
| Society & move-in | ₹4,25,000 |
| All-in to own (excl. loan interest) | ₹1,19,80,000 |
| Loan interest + processingover 20 yrs | ₹83,82,729 |
| True lifetime cost | ₹2,03,62,729 |
Estimates from the figures you enter, with Maharashtra defaults. Stamp duty, GST and charges vary by city, scheme and builder — confirm against your cost sheet and the sub-registrar before you commit. Not financial advice.