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Property calculators for the conversation you are actually having

24 calculators for Indian property — written for agents running numbers in front of a client, and useful to buyers and sellers doing it themselves. Every one shows its formula and a worked example, and every one has a copy for a client button so the answer goes straight into a message.

✓ Free, no signup✓ Formula and worked example on every page✓ Copy the result to WhatsApp

For the buyer 10

EMI & true costThe monthly number, and the one buyers never ask about — total interest.What the bank will lendBoth ceilings — LTV and FOIR — and which one is binding.All-in cost of buyingEverything on top of the price — and the cash needed on the day.Stamp duty & registrationThe duty, the registration fee, and the circle-rate floor most buyers miss.Buy or rentHow long they must stay before buying wins. Often longer than they think.Carpet vs super built-upWhat the advertised area really contains, and the honest rate.Compare two propertiesSame basis, both flats. The ranking often reverses.Area converterEvery unit Indian property gets quoted in, in one place.GST on under-constructionWhat it adds, and how ready-to-move compares once it is counted.Construction payment planWhat is due at each stage, and the pre-EMI nobody mentions.

For the seller 5

Seller net proceedsSale price minus everything. Usually a surprise.TDS on property saleThe buyer's obligation — and why it stalls NRI deals.Capital gains, indicativeA first-pass number to take to a chartered accountant.Price bracket & visibilityThe smallest cut that makes a listing visible again.Price position vs comparablesAgainst real transactions, not against the neighbour's asking price.

For the landlord & investor 5

Rental yield, netWhat the property really returns after everything.Rent it or sell itHold and let, versus sell now and invest the proceeds.Rent escalationWhat the agreed increase actually compounds to.Deposit & agreement costWhat the tenant pays on day one, and what execution costs.What it actually returnedThe real CAGR, after costs — usually below the story.

For your own business 4

Brokerage & splitGross fee, co-broker split, GST, and the net.Deals to hit your targetDeals, viewings and conversations, worked backwards.Pipeline healthWhat your current stages will really produce.Marketing ROICost per qualified enquiry, and per closed deal.

The number convinces. The reel gets you the call.

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Need it as a file instead?23 free Excel and Word templates — lead tracker, listing inventory, rent agreement, agreement to sell, checklists.
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Two sites, one split down the middle

We run two calculator libraries, and they deliberately answer different halves of the same question. This one is for the agent — the number you put in front of a client, plus the second number that does the persuading. My Property Pages carries the buyer-and-seller-facing set for people running their own numbers.

Where a topic appears on both, each page says so and links to the other, so you land on the one written for you instead of guessing. The maths is the same; the framing, the worked examples and the advice around them are not.

Why these are framed for agents

Most property calculators answer a question a consumer typed into Google. These answer the question a client asks you across a table — which is usually a slightly different question, and almost always needs a second number alongside the first.

A buyer asks what the EMI will be; what changes their mind is the total interest. A seller asks what the flat is worth; what settles it is where their price sits against actual transactions. An investor asks about the yield; the number that matters is the net one, after vacancy and the fit-out.

So each page gives the headline figure and the one next to it that does the real work — and then shows the arithmetic, so you can defend it when someone pushes back.

What they will not do

They will not give tax advice, and they say so where it matters. Capital gains, TDS and GST all depend on circumstances and rules that change; those pages produce an indicative figure and tell you to send the client to a chartered accountant. That is not caution for its own sake — an agent who quotes a confident tax number and gets it wrong owns the consequence.