Work out the down payment you need and how long it will take to save.
Multiply the price by the down payment percentage. For a ₹60,00,000 home at 20%, you need ₹12,00,000. With ₹3,00,000 saved and ₹25,000 a month at 6% a year, you reach it in 2 years 8 months.
A down payment is the part of the price you pay upfront; the rest is borrowed. This calculator shows the amount you need for your target percentage, how much you will borrow and — if you enter your savings and monthly saving — how long it will take to reach the goal.
A bigger down payment means a smaller loan, a lower EMI and less interest. Aim for at least 20% on a home to avoid higher borrowing costs. Then see your payment with the Mortgage Calculator, or what you can afford with the House Affordability Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Price | ₹60,00,000.00 |
| Down payment needed | ₹12,00,000.00 |
| Amount to borrow | ₹48,00,000.00 |
| Already saved | ₹3,00,000.00 |
| Shortfall | ₹9,00,000.00 |
| Time to reach it | 2 years 8 months |
| Balance at that point | ₹12,17,128.53 |
| Case | Down payment (or time) |
|---|---|
| 20% of ₹60,00,000 | 2 years 8 months |
| 10% of ₹60,00,000 | ₹6,00,000.00 |
| 20% of ₹80,00,000 | ₹16,00,000.00 |
| 20% of ₹40,00,000 | ₹8,00,000.00 |
| 25% of ₹60,00,000 | ₹15,00,000.00 |
Many lenders ask for 10–25% of a home's price. A larger down payment lowers your EMI and interest.
Enter your savings, monthly saving and expected return — the calculator counts the months.
Yes. It reduces the loan, so every month's interest is smaller and the EMI is lower.
The loan as a percentage of the property price. A 20% down payment gives 80% LTV.
Keep an emergency fund and money for registration, stamp duty and moving costs.
Yes — enter an expected yearly return; use a cautious figure for safe deposits.
It uses the standard formula: down payment = price × % ÷ 100 The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
