Home Affordability Calculator

Discover how much home you can comfortably afford using the 28/36 DTI rule. Get conservative, moderate, and aggressive estimates.

28/36 DTI Rule Three Scenarios Debt-to-Income Analysis

Recommended Home Price ₹48,71,756 Moderate scenario (28% income to housing)

Conservative ₹48,25,664 Strictest DTI — very safe

Moderate ₹48,71,756 28% housing DTI rule

Aggressive ₹65,31,080 40% income — stretched

Monthly EMI (Moderate) ₹33,200 Estimated loan payment

Debt-to-Income Ratio 36% All obligations / income

DTI Affordability Zone

Comfortable
<28%

Manageable
28–36%

Tight
>36%

Your DTI of 36% puts you in the manageable zone.

Conservative: min(Income × 28%, Income × 36% − Debts)

Moderate: Income × 28% → home budget

Aggressive: Income × 40% → maximum stretch

Max Home Price = Loan from EMI capacity + Down Payment

Stay within the conservative estimate if your income is variable or you expect major expenses soon.
A larger down payment reduces your loan burden and improves both affordability and interest rates.
Budget 1–2% of home value annually for maintenance, insurance, and property taxes beyond your EMI.
Consider the aggressive scenario only if you expect significant income growth in the next 2–3 years.
Don't forget stamp duty (4–8%) and registration fees when planning your home purchase budget.

Recommended Price ₹48,71,756