Step 1
Set the property budget
Start with income, savings, upfront costs, and a prudent EMI capacity.
Keep stamp duty, registration, and an emergency reserve outside the down payment.
Save a budget that leaves a cash buffer.
Open calculator Back to planning journeys
Guided plan
Home buying journey
Estimate an affordable budget first, check lender-style eligibility, model the EMI, then test prepayments without exhausting emergency savings.
Outcome
A home-price range, borrowing estimate, EMI, and prepayment option.
Your local progress
0/4 steps1. Set the property budget
2. Estimate borrowing capacity
3. Model the monthly EMI
4. Test prepayments
Progress is stored only in this browser and can be cleared from any calculator or the homepage.
Work in sequence
Four decisions, one connected plan
Each calculator opens with journey progress attached. Save useful scenarios locally, then use Continue to move to the next decision.
Step 2
Estimate borrowing capacity
Lender eligibility can be lower than the property price you prefer.
Include existing EMIs and compare more than one lender rate.
Compare eligibility with the loan required by the budget.
Open calculator Step 3
Model the monthly EMI
See the interest cost and monthly commitment over the full tenure.
Test a shorter tenure and a higher-rate stress case.
Save both the comfortable and stress-test scenarios.
Open calculator Step 4
Test prepayments
Compare reducing tenure with reducing EMI after the core budget is sustainable.
Use a repeatable annual amount rather than an uncertain windfall.
Choose a strategy without using the emergency reserve.
Open calculator Sources and review
Owned by Wealth Planner editorial. Last reviewed 10 July 2026. Calculator results remain educational estimates.