India's most honest property calculator

The price they quote isn't the price you pay.

Floor rise, GST, stamp duty, registration, parking, the cash on the side — we reveal every rupee hiding between the brochure and the registration desk.

See your real cost How it works
The gap nobody shows you A flat quoted at ₹85L can quietly cost ₹1.05Cr+ by the time you get the keys. The example below is live — change any number to see your own.
EstatéHouse Price Calculator
Made with ❤ in India
Indian Real Estate

Property Cost Estimator

Calculate the true all-in cost of your dream home

₹
Effective cost per sq ft
Your true all-in price
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Enter values to see
1
Property Details
Size & Rate
Built-up area
sq ft
Base rate per sq ft
₹
Floor number
Ground = 0, First = 1 …
Floor rise / sq ft / floor
₹
2
Add-on Charges
Extra Costs
Parking
₹
Amenities +18% GST
₹
Society reg. +18% GST
₹
Upfront Cash Off-books
₹
Deducted from taxable agreement value
3
Taxes & Duties
Govt. Charges
GST on agr. value
%
Stamp duty
%
Registration
₹
4
Loan & EMI
Auto-filled
Loan amount
₹
Interest (% p.a.)
%
Tenure
yr
Live Summary
Grand Total · All-in
₹0
Enter values to calculate
Agreement value₹0
Upfront cash₹0
Total taxes₹0
Base price
₹0
—
Floor rise
₹0
—
Upfront cash
₹0
Off-books
Total taxes
₹0
—
₹0
Total cost
Property price
Taxes & govt fees
Builder & society
Upfront cash
Full Cost Breakdown

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The gap nobody shows you

A ₹85 lakh flat rarely costs ₹85 lakh.

The price on the brochure is just the beginning. By the time you collect your keys, a stack of taxes, premiums and charges has quietly pushed your real outlay far higher. Here is what actually happens to a ₹85 lakh quote.

₹85,00,000 → ₹1,12,00,000
That's ₹27 lakh — 32% — you didn't budget for.
+₹4.25L
Floor rise
₹25/sq ft × 1,000 sq ft × 17 floors — the premium for height most people forget.
+₹4.25L
GST
5% on under-construction property — charged on the agreement value, not the carpet.
+₹5.95L
Stamp duty & registration
6% stamp duty + 1% registration in Maharashtra — payable before you get possession.
+₹6.00L
Parking & amenities
Covered parking, club membership and infrastructure charges — rarely in the headline price.
+₹3.50L
Society & legal
Formation deposit, maintenance advance, and legal & documentation fees.
+₹3.05L
Other charges
Water & electricity connection, PLC, and the odds and ends builders add late.

Your numbers will be different. See your exact figure in under a minute.

Calculate my real cost
Bandra-Worli Sea Link, Mumbai
Made for India

From Mumbai high-rises to Pune townships

Current 2026 rates, state-wise stamp duty, GST rules and floor-rise norms — built around how property is actually priced and sold across India.

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See it on the map

Stamp duty and prices, state by state

Toggle between stamp duty and average price per sq ft. Hover any city for its exact figure.

Stamp duty Price per sq ft
Chandigarh Jaipur Ahmedabad Mumbai Panaji Indore Bengaluru New Delhi Gurugram Noida Kolkata Hyderabad Visakhapatnam Chennai
See the full breakdown by state →
What we calculate

Every rupee accounted for

Most calculators show you the base price. We show you what you'll actually pay on registration day.

Base price & floor rise

Rate per sq ft, carpet area, and the floor rise premium applied exactly as builders charge it.

GST, stamp duty & registration

Current GST, state-wise stamp duty, and registration charges — the taxes that quietly add lakhs.

Home loan EMI

Down payment, interest rate, and tenure — see your true monthly outflow instantly.

Parking & amenities

The line items builders bury on page three of the cost sheet, surfaced and totalled.

Upfront cash component

Account for the cash-on-the-side portion that changes your effective, real cost.

Shareable breakdown

Export a clean, itemised summary to share with family, your CA, or your bank.

Beyond the calculator

Answer the questions that keep you up at night

Not "tools" — decisions. Each one built around what you're actually asking.

Can I actually afford this?

Your income, your expenses, your honest budget — and the loan a bank would really give you.

Find my number →

Should I rent or buy?

The maths most people get wrong — including the cost of tying up your down payment.

Settle it →

How big is this, really?

Guntha, cent, bigha, sq ft — convert the unit your broker quoted into one you understand.

Convert →

Which one's the better deal?

Two properties, side by side — see which actually costs less once every hidden charge is counted.

Compare →
The complete guide

What actually determines what you pay

Every property price you see advertised is a starting point, not a final figure. What separates the number on a broker's message from the number you actually transfer is a set of charges that follow predictable rules once you know them — stamp duty and registration are fixed by state government schedules, GST applies only to under-construction property and only on the agreement value, floor rise is a per-square-foot premium builders set for height, and society charges cover a mix of one-time deposits and pass-through costs. None of this is secret; it is published in RERA disclosures, state stamp duty acts and builder cost sheets. It is just rarely added up in one place before you commit. The calculator above does that arithmetic for your city, price and loan terms. The reference below explains what each component actually is, so the numbers make sense rather than just appearing.

Stamp duty & registration

Stamp duty is charged by the state on the higher of your agreement value or the government's ready reckoner rate — typically 5–7%, plus 1% registration. Maharashtra charges 6% stamp duty plus 1% registration in most municipal areas. Rates and rebates for women buyers or first-time buyers vary by state, so an identical flat can carry a different bill just by crossing a state border.

Read the state-by-state breakdown →

GST on under-construction property

GST applies at 5% (1% for affordable housing) only to under-construction property, charged on the agreement value rather than the carpet-area price. Ready-to-move flats with an occupancy certificate are exempt entirely — a distinction that can swing your total cost by lakhs depending on where in the construction cycle you buy.

See how GST is actually calculated →

Floor rise & PLC

Floor rise is a per-square-foot premium builders add for height, often ₹25–50/sq ft per floor above a base level, and it rarely shows up in the headline rate. Preferential Location Charges (PLC) work the same way for park-facing, corner or lower-floor units — legal and disclosed, but easy to miss when comparing two units by base price alone.

See how floor rise is priced →

The costs builders bury

Beyond taxes, expect a formation deposit, a year or more of maintenance paid upfront, legal and documentation fees, water and electricity connection charges, and parking or club membership costs — together often 8–12% of the property value. None of these appear in the advertised price, and most builders list them only on page three of the cost sheet.

Read the full list of hidden charges →
0%
Hidden costs above base price
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Cost components accounted
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States & UTs covered
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Test yourself

What's your Property IQ?

Most buyers lose lakhs simply because they don't know the rules. 10 quick questions on stamp duty, GST, RERA and hidden costs — a fresh set every time you play.

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questions in the pool
10 picked each attempt

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