Affordability Calculator
Find out the maximum property value you can afford based on your income, savings, and obligations.
₹1,50,000 — One Lakh Fifty Thousand Rupees
₹10,000 — Ten Thousand Rupees
Maximum Affordable Property
₹80,66,159
Eighty Lakh Sixty Six Thousand One Hundred Fifty Eight Rupees and Seventy Nine Paise
₹56,000
Fifty Six Thousand Rupees
Available EMI
₹64,52,927
Sixty Four Lakh Fifty Two Thousand Nine Hundred Twenty Seven Rupees and Three Paise
Max Loan
₹16,13,232
Sixteen Lakh Thirteen Thousand Two Hundred Thirty One Rupees and Seventy Six Paise
Down Payment
Formula & How It Works
Formula
Available EMI = (Income × 50%) − Existing EMIs; Loan = EMI × ((1+r)^n − 1) / (r × (1+r)^n); Property = Loan + Down PaymentIncome × 50% FOIR gives the maximum total EMI budget. Subtracting existing obligations gives the EMI available for the new loan. Reverse EMI formula derives the maximum principal, which added to down payment gives the affordable property value.
The 50% FOIR is used by most Indian public sector and private banks. Conservative buyers may prefer 40% FOIR to maintain lifestyle expenses.
Why Tatsyavyatur Calculators Are Unique
Unlike generic calculators, Tatsyavyatur's tools are calibrated to Indian real estate norms — CII tables updated for the latest Finance Act, state-specific stamp duty rates, PMAY slabs, and Indian banking FOIR standards. Every calculation uses RBI-aligned formulas so your planning is grounded in reality, not approximation.