Down Payment Calculator
Estimate the total cash you need upfront — down payment, stamp duty, and registration — and the monthly EMI.
How to Use Down Payment Calculator
- Enter the property price. Type the total cost of the home you plan to buy, e.g., ₹50,00,000.
- Adjust the down payment slider. Move the slider from 10% to 50%. The higher the down payment, the lower the loan amount and EMI.
- Set the loan interest rate, tenure, and stamp duty percentage. The default stamp duty + registration is 7% (6% stamp + 1% registration), which you can change for your state.
- Click Calculate. You’ll see the down payment amount, loan amount, EMI, total upfront cash needed (down payment + stamp duty + registration), and an EMI‑to‑income ratio if you provide your monthly income.
Benefits of Down Payment Calculator
- Includes stamp duty and registration — often overlooked costs that can add 6‑8% to your upfront cash requirement.
- The slider makes it easy to see how changing the down payment percentage affects your loan, EMI and total cash outlay instantly.
- Optional income field triggers an EMI‑to‑income check, warning if the monthly payment exceeds 50% of your earnings.
- Runs locally in your browser; your financial details are not stored or shared.
Frequently Asked Questions
How much down payment is required for a home loan in India?
RBI guidelines require a minimum of 10% for loans up to ₹30 lakh, and 20% for loans above ₹75 lakh. Many lenders ask for at least 20% to reduce their risk, but the calculator lets you model any percentage from 10‑50%.
What is included in "stamp duty and registration"?
Stamp duty is a state‑levied tax (typically 5‑7% of property value) and registration is 1%. Both are mandatory one‑time costs that must be paid upfront and are not covered by the home loan.
Can I get a 100% home loan with zero down payment?
Very rare. Most banks lend 75‑90% of the property value. You must fund the remaining 10‑25% plus stamp duty and registration from your own pocket. The calculator helps you budget that total.
Is Down Payment Calculator free and private?
Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.
Typical total: 6% stamp duty + 1% registration.
Disclaimer: Actual stamp duty and registration charges vary by state. Check local rules.