What does the Dream House Planner do?

It projects future house price, loan EMI, and SIP needed for down payment (or full cost) using growth and return assumptions.

How fast do house prices grow?

It varies by city and locality. Use a conservative real-estate growth rate and stress-test higher prices.

Should down payment SIP sit in equity funds?

For multi-year horizons, diversified equity/hybrid SIPs are common; shorten risk as the purchase date nears.

Does this include stamp duty?

Focus is on house cost, loan, and SIP. Add stamp duty and registration separately with the Stamp Duty calculator.

When should I lock a home loan rate?

Rate shopping matters near purchase. Track RBI repo moves and bank offers; do not rely only on today’s illustrative rate.

Dream House Planner

Project future house price, estimate EMI after down payment, and build a year-wise step-up SIP plan to get there.

Dream House Future Price

Estimate future cost with real-estate appreciation

Name

Age

Current Cost of the House₹50.00 L

₹5.00 L₹5.00 Cr

Avg Growth in Real Estate7%

2%15%

Planning to Buy In10 years

1 years30 years

Cost of the Dream House

₹98,35,757

Age 30

EMI Calculation

Based on future house cost

Cost of the House

₹98,35,757

Down Payment %20%

10%50%

Home Loan Interest Rate8%

6%12%

Tenure Opted25 years

5 years30 years

Down Payment

₹19,67,151

Loan Amount

₹78,68,605

Approx EMI

₹60,731

Step-Up SIP Plan

Build corpus before you buy — with annual SIP step-up

Expected Return12%

8%15%

Monthly SIP (DP)₹6,000

₹1,000₹1,00,000

Annual Step Up10%

0%20%

Goal: ₹19,67,151Corpus at Year 10: ₹20,24,596✓ Goal covered

Y10

Invested Total Value

Year	Begin Value	Monthly SIP	End Value
1	₹0	₹6,000	₹76,856
2	₹76,856	₹6,600	₹1,71,145
3	₹1,71,145	₹7,260	₹2,85,846
4	₹2,85,846	₹7,986	₹4,24,394
5	₹4,24,394	₹8,785	₹5,90,742
6	₹5,90,742	₹9,663	₹7,89,440
7	₹7,89,440	₹10,629	₹10,25,716
8	₹10,25,716	₹11,692	₹13,05,573
9	₹13,05,573	₹12,862	₹16,35,900
10	₹16,35,900	₹14,148	₹20,24,596

Month-by-month principal, interest and outstanding balance (300 EMIs).

Tenure

300 mo

Total Principal

₹78,68,605

Total Interest

₹1,03,50,746

Total Payment

₹1,82,19,352

Month	EMI	Principal	Interest	Balance
1	₹60,731	₹8,274	₹52,457	₹78,60,332
2	₹60,731	₹8,329	₹52,402	₹78,52,003
3	₹60,731	₹8,384	₹52,347	₹78,43,618
4	₹60,731	₹8,440	₹52,291	₹78,35,178
5	₹60,731	₹8,497	₹52,235	₹78,26,681
6	₹60,731	₹8,553	₹52,178	₹78,18,128
7	₹60,731	₹8,610	₹52,121	₹78,09,518
8	₹60,731	₹8,668	₹52,063	₹78,00,850
9	₹60,731	₹8,726	₹52,006	₹77,92,124
10	₹60,731	₹8,784	₹51,947	₹77,83,341
11	₹60,731	₹8,842	₹51,889	₹77,74,498
12	₹60,731	₹8,901	₹51,830	₹77,65,597

About Dream House Planner

Plan a future home purchase with price inflation, EMI and a step-up SIP for down payment or full cost.

How it works

Set target year, today’s price, inflation, loan share and SIP growth. Review corpus needed and monthly SIP.

Practical tips

Step-up SIPs with salary hikes can lower the starting monthly amount.

Important to know

Property prices and loan rates are assumptions — re-run yearly.

Frequently Asked Questions

What does the Dream House Planner do?: It projects future house price, loan EMI, and SIP needed for down payment (or full cost) using growth and return assumptions.
How fast do house prices grow?: It varies by city and locality. Use a conservative real-estate growth rate and stress-test higher prices.
Should down payment SIP sit in equity funds?: For multi-year horizons, diversified equity/hybrid SIPs are common; shorten risk as the purchase date nears.
Does this include stamp duty?: Focus is on house cost, loan, and SIP. Add stamp duty and registration separately with the Stamp Duty calculator.
When should I lock a home loan rate?: Rate shopping matters near purchase. Track RBI repo moves and bank offers; do not rely only on today’s illustrative rate.