Free tools
Free real-estate calculators for builders and buyers in India
Five calculators for the sums that come up on every Indian property deal: stamp duty and registration, TDS on the payment, the home-loan EMI, a construction-linked payment plan and the RERA 70% account. Each one shows a worked example and the rule behind it, with the official source and the date we last checked it.
- Stamp duty and registration calculatorStamp duty, cess and registration fee for Maharashtra, Karnataka, Gujarat, Uttar Pradesh and West Bengal, with concessions for women buyers.
- TDS on property calculatorThe 1% a buyer deducts on property worth ₹50 lakh or more, under old s.194-IA and the Income-tax Act 2025, with the no-PAN rate.
- Home-loan EMI calculatorMonthly EMI, total interest and a year-by-year repayment summary for a home loan.
- Construction-linked payment plan builderTurn a flat price and construction stages into a payment schedule with GST, and download it as a spreadsheet.
- RERA 70% account withdrawal estimatorEstimate how much a promoter can withdraw from the RERA designated account in proportion to the cost incurred, as in the Form 3 certificate.
How we keep the numbers right
- Every rate, threshold and rule comes from an official source: state stamp and registration departments, the Income Tax Department, the RERA Act and state rules. Each page links to them and says when we last checked.
- Money is worked out in whole paise and rounded the way the rule or common practice does, and each page says how.
- Where a rule leaves room, the page states what it assumes, so you can confirm it with your CA or the sub-registrar.
- The results are estimates to plan with, not tax or legal advice. Confirm them with the official portal or a professional before you pay or sign.
The same sums, on every booking
LoftRay handles the builder's side of these sums on real projects: cost sheets with tax profiles, EMI estimates, demands raised from certified milestones, TDS in transactions and RERA withdrawal requests, with a second person signing off the rules your company uses.