🏠 End-to-End Home Decision Engine

Home Buying Command Center

Estimate true ownership cost, compare renting outcomes, detect breakeven timeline, and score purchase readiness before you commit.

📉 Ownership Cost ⚖️ Buy vs Rent Wealth ✅ Readiness Score

🏗️ Property & Loan

Property Price (₹)

Down Payment (%)

Home Loan Rate (%)

Loan Tenure (Years)

🧾 Transaction & Ownership

Stamp Duty (%)

Registration Charges (%)

Interiors + Setup Cost (₹)

Annual Maintenance + Tax + Insurance (₹)

🔭 Horizon & Financial Context

Current Monthly Rent (₹)

Rent Growth (%/year)

Home Appreciation (%/year)

Investment Return (%/year)

Decision Horizon (Years)

🛡️ Purchase Readiness Inputs

Household Monthly Take-Home (₹)

Existing Monthly EMIs (₹)

Current Emergency Corpus (₹)

Used for emergency runway and readiness score.

📡 Command Center Results

Loan Amount

Monthly EMI

Upfront Cost

Total Ownership Outflow

Total Rent Outflow

Home Equity at Horizon

Renter Corpus at Horizon

Breakeven Year

Home Purchase Readiness Score

Assessing...

🧭 Readiness Breakdown

🧮 Formula Notes

EMI = P x r x (1+r)ⁿ / ((1+r)ⁿ - 1)
Upfront Cost = Down Payment + Stamp Duty + Registration + Interiors
Home Equity at horizon = Property Value at horizon - Outstanding Loan
Renter corpus starts with upfront cost invested, then adds annual buy-vs-rent savings with compounding