India Real Estate Intelligence

Every number
before you decide.
Not after.

8 free tools for Indian home buyers, sellers, and investors. EMI, stamp duty, equity, ROI — built for how India actually transacts property.

Explore all tools → Try mortgage calculator

8free tools

12states

0sign-up

100%India-specific

Avg. property decision

₹2.4 Cr

Make it smarter — free

Stamp duty saved

₹3 L+

by knowing state rates

Tools available

8 live

No signup. Ever.

Stamp duty by stateEMI amortisationRent vs buy break-evenHome equity trackerSeller net proceedsRental ROI & cap rateBRRRR strategy toolSec 80C & 24(b) savingsLTCG & STCG taxDTI eligibility checkCircle rate comparison Stamp duty by stateEMI amortisationRent vs buy break-evenHome equity trackerSeller net proceedsRental ROI & cap rateBRRRR strategy toolSec 80C & 24(b) savingsLTCG & STCG taxDTI eligibility checkCircle rate comparison

The toolkit

Built for every real estate decision.

🏠

Live

Home buyer

Smart Mortgage Calculator

Full EMI breakdown with amortisation, DTI eligibility, and every India-specific charge built in.

Monthly EMI with full amortisation schedule
Stamp duty by state — male, female, joint
Tax savings under Sec 24(b), 80C, 80EEA

Stamp Duty & Registration

Exact charges for 12 states with gender concessions and circle rate comparison.

All 12 major states with current 2024 rates
Female buyer concession applied automatically
Circle rate vs market rate comparison

Rent vs Buy Simulator

The exact year buying beats renting — with rent escalation and opportunity cost modelled.

Precise break-even year calculation
Net wealth delta — buying vs renting
Down payment opportunity cost included

Three home budgets based on your real take-home income, savings, and existing EMIs.

Conservative, moderate and stretch budgets
Lender-ready DTI eligibility analysis
Down payment requirement per tier

Seller Net Proceeds Sheet

Exactly what you take home after agent fees, loan, and capital gains tax.

LTCG / STCG tax with Budget 2024 rates
Agent commission and prepayment penalty
Section 54 exemption guidance

Visual gauge showing your ownership % vs the bank at any year in your loan.

Animated equity gauge at any tenure point
LTV ratio with milestone markers
Prepayment impact modelled

Rental Property ROI Analyzer

Complete investment dashboard — cap rate, yield, cash flow, 5-year projection.

Cap rate, gross and net yield calculated
Cash-on-cash return with loan factored in
Deal star rating + 5-yr projection

BRRRR Strategy Calculator

Buy · Rehab · Rent · Refinance · Repeat. Model capital recycling across deals.

Capital recycled after refinancing
Infinite returns detector built in
Portfolio snowball across 10 deals

Open tool →

Why PropIQ

The intelligence layer
India was missing.

Every other tool is built for the US or UK. PropIQ is built from scratch for how India actually transacts property.

🇮🇳

India-first calculations

Stamp duty by state & gender, circle rate vs market rate, TDS Sec 194-IA, GST, CII indexation, Budget 2024 LTCG rates. None of this exists in Western tools.

₹

True cost — not just EMI

Down payment + govt charges + 20 years of interest + capital gains on exit. The number that actually matters, not just the sticker price.

📤

Share with one tap

Every result encodes your inputs in a shareable URL. Send your exact analysis to your spouse, CA, or broker instantly.

🔒

Zero data collected

Everything runs in your browser. Your income, property value, and personal data never leave your device. Ever.

How it works

Three steps to clarity.

Pick your decision type

Buying, selling, or investing? Choose the tool that maps exactly to your situation. Each one is purpose-built for a specific real estate decision.

Enter your numbers

India-specific defaults pre-fill most fields. You only change what's relevant — property value, state, income, tenure. Takes under 2 minutes.

See the complete picture

EMI, total cost, stamp duty, tax saving, eligibility — all instantly. Share with one click or download as PDF. No signup, no waiting.

What people say

Decisions made with confidence.

Suresh K.

IT professional · Hyderabad

★★★★★

I'd been putting off buying for two years because the numbers confused me. PropIQ showed me the full picture in five minutes. Bought my flat in Hyderabad last month.

Used: Mortgage Calculator

Priya M.

First-time buyer · Pune

★★★★★

The stamp duty tool saved me from a ₹3L miscalculation. My CA confirmed PropIQ's number was exactly right. Nothing else gives this level of India-specific detail.

Used: Stamp Duty Calculator

Rahul S.

Real estate investor · Mumbai

★★★★★

As an investor evaluating 3–4 properties, the rental ROI tool is exactly what I needed. Clean, fast, no signup. Shared it with my entire investor WhatsApp group.

Used: Rental ROI Analyzer

Arjun N.

Software engineer · Bangalore

★★★★★

Used the Rent vs Buy tool to finally convince my wife that renting made more sense right now. The break-even year chart was the most persuasive thing I could have shown her.

Used: Rent vs Buy Simulator

Deepa R.

Property seller · Chennai

★★★★★

The seller net proceeds calculator showed me I'd only clear ₹18L after capital gains tax. I would have had no idea. Crucial before listing any property.

Used: Net Proceeds Calculator

Vikram T.

First-time investor · Pune

★★★★★

The BRRRR calculator helped me model my first investment deal end-to-end. The capital recycled waterfall is unlike anything else available in India.

Used: BRRRR Calculator

Insights & Guides

India real estate, explained clearly.

View all guides →

Complete guide

Buying

The complete guide to buying your first home in India

Everything from pre-approval to registration — the 12 steps, the hidden costs, and the questions your broker won't answer unless you ask.

8 min readUpdated Nov 2024First-time buyer

Read the guide →

Basics & law

Stamp duty in India — state-wise guide 2024

Every state rate, female buyer concession, circle rate explained, and exactly when you pay.

5 min · Nov 2024Read →

Investor

Rental yield in Indian cities — where the numbers work in 2024

Hyderabad, Pune, Mumbai, Bangalore — gross yields, vacancy rates, and where cash flow makes sense.

6 min · Oct 2024Read →

Buyer

The true cost of buying — beyond the sticker price

A ₹80L property often costs ₹90L+ before you move in. Here's every charge, explained simply.

4 min · Oct 2024Read →

Free real estate calculators for India

PropIQ offers the most comprehensive suite of free real estate calculators for Indian buyers, sellers, and investors. Every calculator accounts for Indian-specific regulations — stamp duty by state, TDS Sec 194-IA, GST on under-construction, and Budget 2024 LTCG rates.

Stamp duty calculator — all Indian states

Calculate exact stamp duty and registration charges for Maharashtra, Delhi, Telangana, Karnataka, Tamil Nadu, Gujarat, UP, Rajasthan, West Bengal, Punjab, Haryana, and Madhya Pradesh — with female buyer concessions and circle rate comparison.

India's best home loan EMI calculator

Our mortgage EMI calculator includes amortisation schedule, state-wise stamp duty, TDS, GST, and tax benefit calculations under Section 24(b), 80C, and 80EEA — the most complete home loan calculator for Indian buyers.

Rent vs buy analysis for Indian cities

Our rent vs buy calculator models the break-even year for Mumbai, Delhi, Hyderabad, Bangalore, Pune, Chennai, Ahmedabad, and Kolkata — with rent escalation, property appreciation, and opportunity cost all modelled.

Every numberbefore you decide.Not after.

Every number
before you decide.
Not after.