About
Why this site exists and what you can do here.
Why We Built This
Buying a home is one of the biggest financial decisions most people make — and a home loan brings a lot of questions with it that go beyond just "what will my monthly payment be?" Should you prepay your loan early? Is switching to a different bank actually worth it? Is it cheaper to rent instead of buy? What tax benefits can you actually claim? Most calculators only answer the first question. This site tries to answer all of them, in one place, for free.
What You Can Do Here
This site has 9 calculators covering every major home loan decision, not just the basic EMI:
- EMI Calculator — Core loan calculator with charts, prepayment and amortization
- Tax Benefit Calculator — Old vs new regime, Section 24, 80C, first-time buyer benefit
- Affordability Calculator — Find the maximum property price you can comfortably afford
- Refinance Calculator — Should you switch lenders? Compare costs and find the breakeven
- Rent vs Buy — Which is financially better given your numbers?
- EMI vs Full Cash — Compare net worth: take a loan and invest, or pay cash
- Opportunity Cost Calculator — What could your down payment be worth if invested instead?
- Salary Growth Simulator — Project your affordable EMI and prepayment capacity over time
- Compare Loan Offers — Put up to 5 bank offers side by side
Every calculation runs directly in your browser — your loan amount, interest rate, and income figures never leave your device.
Who This Is For
First-time homebuyers working out what they can actually afford, existing borrowers deciding whether to prepay or refinance, anyone comparing loan offers from multiple banks, and people trying to decide between renting and buying. No prior finance knowledge is assumed.
Frequently Asked Questions
Is this free to use?
Yes, completely free, with no sign-up or login required.
Do you store my loan details?
No. Every calculation happens directly in your browser, on your own device. Your loan amount, interest rate, and other figures are never sent to or stored on any server.
Is this financial or legal advice?
No. These calculators are educational tools to help you understand your options. They are not financial, tax, or legal advice. Please speak with a qualified professional — your bank, a financial advisor, or a chartered accountant — before making borrowing decisions.