NRI Property HubDo the numbers before you fall for the flat
Eight calculators built around the NRI's actual problems: a salary in one currency, a loan in another, and tax rules written for someone who lives here. Everything runs in your browser, and every result has a shareable link, send it to whoever back home needs convincing.
The eight calculators
NRI Home Loan EMI Calculator
A rupee EMI converted into USD, GBP, CAD, AUD or AED at the live rate, so the loan makes sense against the salary that pays it.
DecisionRent vs Buy Calculator
Net cost of buying versus compounding rent over your holding period, with the breakeven year where buying pulls ahead.
IncomeRental Yield Calculator
Gross yield is what the brochure says; net yield after society charges, vacancy and purchase costs is what you earn.
Tax & TDSNRI Property Sale TDS Estimator
What the buyer must deduct on your sale, what you actually owe, and how much cash a Form 13 certificate would keep in your pocket.
Tax & TDSNRI Capital Gains & Repatriation Calculator
After capital gains tax and any Section 54/54EC reinvestment, how much of your sale actually reaches your account abroad, in your currency.
Currency riskNRI Currency Impact Calculator
The flat rises in rupees, but you spend in dollars. See what a weaker rupee does to your real return, and when a rupee gain becomes a loss.
Home loanNRI Home Loan Eligibility Calculator
What a bank will actually lend you on your overseas salary: eligible loan, the property price it supports at your LTV, and the down payment needed.
Buying costStamp Duty & Registration Calculator
What Gujarat or Kerala adds on top of the price in stamp duty and registration, including the concession for a woman buying in her own name.
The calculators pair with the NRI money & paperwork guides, EMI with the home loan guide, the TDS estimator with the TDS guide, and yield with the city guides where the rents come from.
About this page
NRI Property Hub creates independent guides and decision tools for Indians living abroad who are researching property in India. We are not a broker, developer, bank or adviser, and we take no commission on any transaction.
Our research prioritises relevant official government, regulatory, tax, banking and RERA sources where applicable. This page is educational information, not legal, tax, investment or financial advice; for a decision that turns on your own circumstances, check the position with a qualified professional.
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Which calculator answers your question?
| If you are asking | Use |
|---|---|
| What will the monthly payment cost me in dollars, pounds or dirhams? | EMI calculator |
| How large a loan will an Indian bank actually give me? | Loan eligibility calculator |
| Is buying better than renting, and after how many years? | Rent vs buy calculator |
| What will this flat actually earn me after costs? | Rental yield calculator |
| What do I pay in duty and registration on day one? | Stamp duty calculator |
| How much will the buyer withhold when I sell? | TDS calculator |
| What tax do I owe on the gain, and what can I repatriate? | Capital gains calculator |
| What happens to my return if the rupee keeps sliding? | Currency impact calculator |
Why a rupee-only calculator misleads an NRI
Every bank in India will calculate an EMI for you, and every one of them reports it in rupees. That is the wrong currency for the person paying it. Your income arrives in dollars, pounds, dirhams or Canadian dollars, and the rupee has drifted against all of them over the kind of fifteen or twenty year tenure a home loan runs to. A payment that looks comfortable at today's rate is a different commitment at a rate ten percent away, and none of the lender calculators show you that.
That is the gap these tools were built for. The EMI calculator converts the payment into the currency you actually earn, and the currency impact calculator takes the point further: a property that appreciates steadily in rupees can still hand you a loss once you convert the proceeds home, if the rupee slid faster than the property rose. It is the least intuitive number in NRI property investing and the one most likely to be ignored.
How these calculators work
Everything runs in your browser. Nothing you type is sent to us, stored, or shared, which is why there is no sign-up and no email capture. The formulas are written out in plain English on each calculator's page, along with the assumptions and the limits of what the result can tell you, so you can check the working rather than trust it. Every result gets a shareable link that carries your inputs, which is useful when the person who needs convincing is back home.
Every figure these tools produce is illustrative and for planning only. They are not a quote, a valuation, or financial advice. Interest rates, exchange rates, duty rates and tax rules change. Confirm the numbers with your lender, banker or a qualified adviser before acting on them.