Buying & Ownership Costs · Free Tool
Total Cost of Ownership Calculator
The price tag is only the start. See everything owning a home costs over the years you plan to keep it.
Purchase, Loan & Running Costs
General rate. Concessions may apply for women buyers and specific property categories.
Brokerage, legal fees, parking, club membership, deposits.
Cost of Ownership
₹63.3 L
over 10 yrs, beyond the price
Per Month
₹52,724
Total Cash Outflow
₹98.5 L
incl. down payment & principal
Where the Money Goes
- Down payment₹16 L (16%)
- Principal repaid₹19.2 L (20%)
- Interest₹47.4 L (48%)
- Stamp duty & registration₹6.4 L (6%)
- Other one-time costs₹1.5 L (2%)
- Maintenance₹5.3 L (5%)
- Tax & upkeep₹2.6 L (3%)
- Stamp duty & registration
- ₹6,40,000
- Other one-time costs
- ₹1,50,000
- Loan interest (10 yrs)
- ₹47,44,487
- Maintenance
- ₹5,28,271
- Property tax
- ₹75,467
- Insurance, repairs & upkeep
- ₹1,88,668
- Cost of ownership
- ₹63,26,894
- Down payment + principal repaid
- ₹35,20,395
- Loan still outstanding
- ₹44,79,605
EMI ₹55,541 on a ₹64,00,000 loan
79.1% of the property price
Builds your equity — not a cost.
Rates are estimates and may vary based on state, property type and applicable government rules. This is not an official government calculation.
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Rates are estimates and may vary based on state, property type and applicable government rules. This is not an official government calculation.
How this calculator works
Total cost of ownership adds up every rupee a home costs beyond its price. It has three parts: one-time charges at purchase (stamp duty, registration, brokerage, legal fees, parking and club charges), the interest on your home loan, and recurring running costs (maintenance, property tax, insurance and repairs).
Running costs rarely stay flat, so the calculator raises them every year by the rate you set. Loan interest is calculated month by month on the reducing balance for the period you own the home.
Your down payment and the principal you repay are shown separately. They are cash you spend, but they build your equity in the home rather than being a cost, so they are kept out of the cost-of-ownership figure.
Formula
One-time = Stamp Duty + Registration + Other One-time Costs
Recurring = Σ (Maintenance × 12 + Property Tax + Upkeep) × (1 + g)^(year − 1)
Cost of Ownership = One-time + Loan Interest + Recurring
Total Cash Outflow = Cost of Ownership + Down Payment + Principal Repaid
- g
- yearly increase in running costs
Assumptions
- Stamp duty and registration use the editable state rates shown.
- The loan is a fixed-rate EMI loan. Interest is counted only for the ownership period.
- Property appreciation, rental income and tax benefits on home loans are not included. Use the ROI calculator for returns.
Frequently asked questions
What is included in the total cost of owning a home?
One-time purchase charges (stamp duty, registration, brokerage, legal fees, parking, club and deposits), home loan interest, and recurring costs such as society maintenance, property tax, insurance and repairs.
Why is the down payment not counted as a cost?
The down payment and the principal portion of EMIs buy you ownership of the home, so they turn into equity. Interest and charges are spent and do not come back, which is why they make up the cost of ownership.
How can I reduce the cost of owning a home?
Prepay your loan to cut interest, compare maintenance charges between projects, check whether you qualify for stamp duty concessions, and negotiate brokerage and add-on charges before booking.
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