Apartment Payment Plan Calculator
Compare the true landing cost of a property based on payment schedule, loan coverage, interest rate, extra charges, and handover date. This helps buyers understand whether a builder's payment plan is increasing the effective property cost before possession.
Property Inputs
Set your property details, financing assumptions, and handover date.
Payment Schedule
Add each payment milestone with percentage and date. Percentages should total 100%.
| Stage | Payment % | Payment Date | Action |
|---|---|---|---|
Tip: If the last major payment is 12–24 months before handover, the effective cost can rise materially because of interest paid before possession.
Results
The calculator updates instantly when you change any input.
| Stage | Amount | Months to Handover | Interest Cost |
|---|---|---|---|
| Booking | ₹26,50,000 | 29.5 | ₹5,21,040 |
| Foundation | ₹39,75,000 | 24.5 | ₹6,49,060 |
| Structure | ₹79,50,000 | 18.5 | ₹9,80,119 |
| Brickwork | ₹53,00,000 | 12.5 | ₹4,41,413 |
| Finishing | ₹53,00,000 | 6.5 | ₹2,29,413 |
| Possession | ₹13,25,000 | 0.0 | ₹0 |
Formula used for simple mode: Interest = funded payment × annual rate × (months to handover / 12).
Full EMI mode uses a monthly reducing-balance estimate from each disbursement date until handover.