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Everything Affordly offers, in one place — free, no signup, and nothing you enter is ever saved or sent anywhere.

Calculators

Enter your income and expenses to get a safe, conservative home loan EMI and loan amount — lower than a bank's maximum approval, on purpose.

Already know the loan amount? Enter it with a rate and tenure to see the monthly EMI, total interest, and total payment.

See how much tax you can actually save under Section 80C and 24(b) — old regime vs new, self-occupied vs rented out.

Find out whether switching your home loan to a lower rate actually pays off after transfer costs, and how long it takes to break even.

Calculate stamp duty and registration charges across 9 major states — the cost most buyers forget to budget for.

See how far a safe home loan budget actually goes across 13 major Indian cities, using real average property rates.

The reverse view: the minimum monthly salary needed to responsibly afford a typical home in each of the same 13 cities.

Worked examples with real numbers for common salary levels.