Goal Studio · Home purchase
Plan the money you put into a home
A home goal is several numbers. Build yours from the down payment, registration and stamp duty, and interiors — the part a home loan does not cover — then see what it could cost by the year you buy.
- Inflation
- 6%
- Assumed return
- 10%
Starting assumptions — hypothetical and editable below.
Your plan
Illustrative investment needed
₹35,692a month
To have ₹35.6 L in 2031 (₹26.6 L in today’s money), invest about ₹35,692 a month, at an assumed 10% a year.
- Cost in 2031
- ₹35.6 L
- ₹26.6 L in today’s money, at 6% inflation
- What you have could grow to
- ₹8.05 L
- ₹5 L today, at 10% a year
- Funding gap
- ₹27.54 L
- Future cost minus what you have could grow to
- You would invest in total
- ₹21.42 L
- New contributions over 5 years
How the amount is built (today’s money)
- Down payment (20% of price)
- ₹16,00,000
- Registration & stamp duty (7%)
- ₹5,60,000
- Interiors & moving
- ₹5,00,000
- Total
- ₹26,60,000
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This is an illustration, not a forecast or a promise. It is based on the assumptions shown, which are hypothetical and yours to edit. Actual returns may differ, sometimes significantly, and market-linked investments involve risk, including the possible loss of capital. Taxes, costs and inflation can change the outcome.
Assumptions behind these numbers
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
- Property price today
- ₹80,00,000
- Down payment
- 20%
- Registration & stamp duty (hypothetical; varies by state)
- 7%
- Interiors & moving today
- ₹5,00,000
- Amount you need, in today’s money
- ₹26,60,000
- Years to goal
- 5 years
- Inflation for this goal (annual)
- 6%
- Already invested
- ₹5,00,000
- Assumed annual return (illustrative)
- 10%
- Contribution frequency
- Monthly
How it is calculated
- The loan that funds the rest of the price is not modelled; this plan covers the money you put in yourself.
- Inflation is an effective annual rate. Value in today’s money = future amount ÷ (1 + inflation)^years.
- The annual return is an effective annual (compound) rate; the periodic rate is (1 + annual rate)^(1/periods) − 1.
- Contributions are assumed at the start of each period.
- These figures are illustrations based on hypothetical assumptions, not forecasts. Actual returns may differ, and market-linked investments involve risk.
Formula set v1.0.0
What to consider
Before you settle on a home purchase number
Down payment
Lenders usually finance part of the price; the rest is yours. A larger down payment means a smaller loan and a smaller EMI.
Registration and stamp duty
Charged on the property value and set by each state, sometimes with different rates by area or buyer. The default here is a placeholder — check your state’s current charges.
Interiors and moving
Furnishing, fittings, appliances and the move itself are easy to underestimate and are rarely covered by a home loan.
The EMI you can carry
This plan covers your own contribution. Whether the loan side fits your monthly budget is a separate, equally important decision.
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