Property Buying Cost Calculator
The full cost of buying: price, GST, stamp duty, registration, brokerage and other costs.
The price is not what you pay. This calculator adds GST (for under-construction homes), stamp duty, the registration fee, brokerage, legal fees and other costs, then shows the total cost of buying and the cash you need on the day after your loan is taken out.
What buying really costs
How it is calculated
Total cost = price + GST + stamp duty (after rebate) + registration fee + brokerage + legal fees + other costs. Loan = price × (100 − down payment %) ÷ 100. Cash needed = total cost − loan. Stamp duty and the registration fee are charged on the higher of the price and the circle-rate value.
A worked example
On a ₹60 lakh resale flat with a circle-rate value of ₹55 lakh, a male buyer pays ₹4,80,000 in stamp duty and registration. With 1% brokerage (₹60,000) and ₹20,000 of legal costs, the total cost is ₹65.6 Lakh. If the bank lends 80% of the price (₹48 lakh), the cash needed is ₹17.6 Lakh.
Things to keep in mind
- The brokerage, legal and other amounts are figures you enter. Nothing is assumed.
- Loan processing fees and insurance are not included unless you add them under "other costs".
Frequently asked questions
What costs come on top of the price when buying a property?
Stamp duty and the registration fee, GST on under-construction homes, brokerage if you use a broker, legal fees, and for a new home often maintenance deposits and society charges. Interiors and moving cost extra.
How much cash do I need?
The total cost minus the loan. The calculator shows it. Banks lend against the property price only: the fees and duties come from your own money.
Is brokerage fixed?
No. It is negotiable and varies. Enter the percentage you have agreed.
Do I pay GST on a resale home?
In general not on a completed home, but check the rules that apply to your purchase.
Related tools
Uttar Pradesh Stamp Duty Calculator
Stamp duty and registration fee on a property in Lucknow, on the higher of price and circle-rate value.
Property Registration Cost Calculator
Stamp duty, registration fee and the smaller costs of registering a purchase in Lucknow.
Lucknow Property EMI Calculator
Monthly instalment, total interest and the year-by-year balance for a home or plot loan.
Home Loan Eligibility Calculator
How large a loan your income can support, and the property price that makes possible.
Guides that explain more
Free to use, no sign-up. Results are estimates for planning, not legal, tax or financial advice. How we calculate · Editorial policy · All tools