Toolkit
Home Loan Toolkit
Buying a home is the largest financial decision most people make. This toolkit brings together the calculators and guides you'll actually use to compare lenders, model EMIs, and stress-test affordability.
Tools in this kit
EMI Calculator
Calculate your monthly loan EMI, total interest, and total payment with confidence.
Loan Prepayment Calculator
See exactly how much interest and time you save by prepaying a loan — extra monthly + lumpsum.
Rent vs Buy Calculator
Should you buy a home or rent and invest the difference? Net-worth comparison over your horizon.
HRA Exemption Calculator
Find your House Rent Allowance exemption under Indian income tax rules.
Salary Take-Home Calculator
Convert annual CTC into a clean monthly take-home estimate with adjustable assumptions.
Worth reading
2 min read
How EMI really affects total interest
Why a small change in tenure or rate quietly costs you years of interest — and how to see it before you sign.
2 min read
Things to check before taking a home loan
A focused checklist of the things that quietly decide whether your home loan is a good one — or a long, expensive habit.
Quick tips
- 1Compare at least three lenders before locking in a rate.
- 2Aim for an EMI under 35–40% of your monthly take-home.
- 3Always model rate-rise scenarios — interest rates do move.
- 4Look at total interest, not just EMI, when comparing tenures.