About the Moving Transaction Cost Calculator
What is the Moving Transaction Cost Calculator?
The property price is only part of what you pay. Stamp duty, registration, brokerage, legal and loan fees, interiors and the move itself can add 10–20% on top. This home buying cost calculator totals them all.
Enter the price, your state's stamp duty and registration rates, brokerage and the other costs to see the cash you need beyond the down payment.
How to use the Moving Transaction Cost Calculator
- Property Price (₹) (sample: 80,00,000)
- Stamp Duty (%) (sample: 6)
- Registration Fee (%) (sample: 1)
- Brokerage (%) (sample: 1)
- Legal, Valuation & Loan Processing (₹) (sample: 40,000)
- Interiors & Furnishing (₹) (sample: 5,00,000)
- Packers & Movers, Utility Deposits (₹) (sample: 40,000)
- Press Calculate Transaction Costs (results also refresh as you type). The result card shows the Total Cost of Buying & Moving, along with As % of the property price, Stamp duty + registration, Brokerage incl. GST and Cash needed on top of the price.
Formula used
Total = Price × (Stamp % + Registration %) + Price × Brokerage % × 1.18 + Legal + Interiors + Moving
- Brokerage = GST at 18% applies to the broker's fee
None of these costs can be financed by the home loan except, with some lenders, interiors through a separate loan.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Property Price (₹) | 80,00,000 |
| Stamp Duty (%) | 6 |
| Registration Fee (%) | 1 |
| Brokerage (%) | 1 |
| Legal, Valuation & Loan Processing (₹) | 40,000 |
| Interiors & Furnishing (₹) | 5,00,000 |
| Packers & Movers, Utility Deposits (₹) | 40,000 |
| Result | Value |
|---|---|
| Total Cost of Buying & Moving | ₹12,34,400 |
| As % of the property price | 15.43% |
| Stamp duty + registration | ₹5,60,000 |
| Brokerage incl. GST | ₹94,400 |
| Cash needed on top of the price | ₹12,34,400 |
Tips for using the Moving Transaction Cost Calculator
- Budget 7–8% of the price for stamp duty and registration in most states.
- Women buyers get lower stamp duty in several states such as Delhi and Maharashtra.
- Negotiate brokerage; 1% is standard, but it varies by city.