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Free Online Tools

Free Home Loan Calculators & Tools
for Pune & PCMC

11 free tools covering every part of your home loan journey — EMI, eligibility, PMAY, stamp duty, tax savings, rent vs buy, balance transfer, affordability, prepayment, document checklist and Pune locality prices.

Calculate your exact monthly EMI, total interest, and a year-by-year repayment schedule. Updated with 2026 Pune bank rates from 7.25%. Works for SBI, HDFC, ICICI, Axis and 30+ lenders. Supports loan amounts up to ₹15 Crore.

Calculate Now →

Check Eligibility

Eligibility Calculator

Find out exactly how much home loan you qualify for based on your income, existing EMIs, and employment type. Works for salaried employees, self-employed professionals, and NRI buyers in Pune & PCMC. Updated with 2026 bank FOIR policies.

Check Eligibility →

Government Subsidy

PMAY Subsidy Calculator

Check if you qualify for PMAY CLSS subsidy and calculate the exact amount under EWS, LIG, MIG-I or MIG-II categories. Up to ₹2.67 Lakh credited directly to your loan account. Updated with 2026 PMAY guidelines.

Balance Transfer Calculator

See exactly how much you save by switching your home loan to a lower-rate bank in Pune. Accounts for processing fees, stamp duty, and legal costs — so you know the real savings and whether the transfer is worth it.

Calculate Savings →

Budget Planning

Affordability Calculator

Enter your income and savings to find your realistic property budget in Pune. See which neighbourhoods — Hinjewadi, Wakad, Baner, Kothrud, Hadapsar and more — fit your financial profile based on 2026 Pune property prices.

Find My Budget →

Close Loan Early

Prepayment Calculator

Got a bonus or windfall? See how much interest you save and how many years you cut from your tenure with a lump-sum prepayment. Floating rate home loans have zero prepayment penalty — mandated by RBI.

Calculate Savings →

Maharashtra Specific

Stamp Duty Calculator

Calculate stamp duty, registration fee, metro cess and LBT for properties in PMC, PCMC and rural Maharashtra (2026). Includes the 1% women buyer rebate and shows total acquisition cost over and above the property price.

Calculate Stamp Duty →

Tax Savings Calculator

See how much income tax you save under Section 24(b), 80C and 80EEA on your home loan. Get annual & lifetime tax savings plus your effective post-tax EMI. Updated for 2026 Old vs New Regime comparison.

See Tax Savings →

Rent vs Buy Calculator

20-year financial comparison: rent paid vs EMIs + property appreciation vs opportunity cost on downpayment + tax savings. See your net wealth at year 20 in either path, with a year-by-year wealth-trajectory chart.

Compare Now →

Interactive Checklist

Document Checklist

Complete home loan document list with Salaried, Self-Employed and NRI variants. Tick items as you collect them, see why each is needed, and print or save as PDF for your records.

Get Checklist →

Pune Market Data

Pune Locality Price Tracker

Compare 18 Pune localities by price per sqft, rent yield, 5-year price growth and connectivity. Hinjewadi, Wakad, Baner, Kharadi, Kothrud and more — updated Q2 2026.

Compare Localities →

Which Calculator Should I Use?

Not sure where to start? Pick your situation below — we'll point you to the right tool.

Buying a New Home

How much loan can I get, and what will my EMI be?

💼Eligibility Calculator — check your loan amount 🏠EMI Calculator — plan your monthly payment 🏛️PMAY Calculator — check government subsidy 📋Document Checklist — what you need to apply

I Already Have a Home Loan

Can I reduce my EMI or close my loan faster?

🔄Balance Transfer — switch to a lower rate ⚡Prepayment Calculator — use a bonus to save interest 💰Tax Savings — check Section 24/80C/80EEA benefits

Planning My Budget

What property can I realistically afford in Pune?

🏙️Affordability Calculator — find your property budget 🏘️Locality Prices — compare 18 Pune neighbourhoods 📜Stamp Duty — calculate Maharashtra registration cost

Should I Even Buy?

Does buying make sense vs renting in Pune?

🔁Rent vs Buy — 20-year wealth comparison 🏘️Locality Prices — yields by area 💰Tax Savings — buyer-only tax shield

First-Time Buyer in Pune

What does it actually cost to buy a flat?

📜Stamp Duty — 7% extra on top of property price 🏙️Affordability — full budget including stamp duty 📋Document Checklist — papers you'll need

NRI Buyer

What's different for me?

📋NRI Document Checklist — POA, FEMA & more 💼Eligibility — calculate as NRI applicant 🏘️Locality Prices — what your budget gets in Pune

Still have questions?

Our home loan experts in Pune are available Mon–Sat, 9AM–7PM. Call or WhatsApp — we respond in 30 minutes.

📞 +91 99999 99999 Get Free Advice →

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