About this site
Free property calculators, built by one person, with no listings behind them and nothing to sell you.
What this site is
mithunsrivastava.com is a set of free calculators for Indian property — the arithmetic that sits underneath every deal, built so a broker can open it on a phone during a site visit and give a client a straight answer.
Six tools cover the questions that actually come up: what the EMI works out to and how much loan the buyer qualifies for, what stamp duty and registration will cost in that state, what the property yields after real costs, what capital gains tax a seller is looking at, what brokerage nets down to after GST and TDS, and whether buying beats renting at all.
What it deliberately isn’t
This is not a listing portal. I don’t publish properties, I don’t collect buyer enquiries, and I don’t sell leads to anyone — including to brokers. There is no version of this site where you are the product.
That matters for a practical reason. Portal calculators exist to capture a phone number; the maths is a pretext for the form. These calculators have no form at all. Nothing you or your client types is transmitted anywhere — every figure is computed in the browser, on the device, and disappears when the tab closes.
The short version: free tools, no listings, no lead selling, no cut of your brokerage. If a tool here makes you look sharper in front of a buyer, that’s the whole business model.
Who writes it
I’m Mithun Srivastava. I also run investwithmithun.com, where I write about the Indian stock market for retail investors. The two sites are separate and cover separate ground — this one is property, that one is equities.
The habit carries over, though: show the working, be specific about where a number comes from, and say plainly when something is an estimate rather than a fact. Every calculator here displays its intermediate steps for that reason. If you can’t explain a number to a client, it isn’t much use to you.
How the numbers are sourced
- Stamp duty and registration — state government circulars and revenue department schedules, including women-buyer concessions and registration-fee caps. Every rate field is editable so you can override it against your own circular.
- Capital gains — the Income Tax Act as amended by the Finance Act, including the post-July-2024 choice between 12.5% without indexation and 20% with, and Cost Inflation Index values as notified.
- Brokerage — GST at 18% on the commission invoice, TDS under Section 194H.
- EMI and eligibility — the standard reducing-balance formula, with eligibility modelled on the FOIR approach lenders use.
States revise duty without much warning and tax rules change every Budget. Where a rate can move, the calculator lets you type over it rather than trapping you in last year’s number.
What this is not a substitute for
These are educational tools. Registration, taxation and loan sanction all turn on specifics a calculator cannot see — the exact ready-reckoner value, the buyer’s credit profile, the precise holding structure. Treat every output as a working estimate and confirm the final figures with a chartered accountant, a lawyer, or the lender. Nothing here is investment, tax or legal advice.
Corrections and requests
If a rate is wrong, or a calculation doesn’t match what your registrar or CA arrived at, I want to know — a broken number is worse than no number. The same goes for a tool you keep needing that isn’t here yet.