Buying signal
True Cost of Buying
Go beyond EMI and estimate down payment, taxes, brokerage, interiors, moving, and first-year ownership cash needs.
What usually gets missed
Closing friction
Stamp duty, registration, and brokerage can easily add high six figures.
Setup cash
Interiors, appliances, and moving costs are usually cash-only and immediate.
Year-one drag
Maintenance and insurance start early, often before buyers rebalance savings.
Tool FAQs
Short answers to the most common questions about this calculator.
Because many buyers underestimate the first year cash drain after possession. This keeps the planning realistic.
Usually yes. Keep GST at zero for resale and adjust it only for under-construction or builder-billed cases.
Yes. The percentages are editable so you can adapt the model to either purchase structure.
Keep the conversation going
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