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Home decision tools

Plan buying, running and improving your home

Plan buying and running a home: affordability, rent vs buy, stamp duty, loans, prepayment, upkeep, renovation, water and energy.

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Home affordabilityEstimate an illustrative home budget, loan, EMI, upfront cash and remaining monthly cash flow from your household finances and editable planning limits.Rent vs buyCompare renting and buying over the same period with equal cash, including loan payments, purchase and selling costs, upkeep, rent growth and investing the difference.Stamp duty & registrationEstimate stamp duty, registration and other purchase charges from the rates you confirm for your state, with guidance-value and fee-cap handling.Home loan EMICalculate home loan EMI, total interest and total payments with a year-by-year reducing-balance amortization schedule.Loan prepaymentSee how extra monthly payments or a one-time prepayment could cut interest and tenure, or lower your EMI, compared with your current loan.Home maintenance costBudget monthly, yearly and multiyear home upkeep from society charges, utilities, property tax, repairs and replacement reserves you can see and edit.Renovation budgetBuild an itemised renovation estimate with materials, labour, charges, tax and contingency, compare it with your budget and see which scope is still unpriced.Water consumptionEstimate daily and monthly household water use by activity, compare it with your meter and test illustrative conservation scenarios.Rainwater harvestingEstimate theoretical and usable roof rainwater, month-by-month tank storage, overflow and how much of your demand it could cover.Home energy savingsCombine appliance upgrades and rooftop solar into one plan with baseline cost, savings by improvement, investment and payback, without double-counting overlaps.

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Energy

Understand usage, bills, appliances, inverters, and battery backup.

Solar

Estimate the right system, cost, subsidy, savings, and payback.

EV

Compare charging costs, petrol alternatives, and solar charging.

Cars

Plan a car purchase: affordability, down payment, loan EMI, new vs used, ownership cost, resale, fuel and insurance.