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Two calculators we wish existed when we bought: what a corridor property *actually* costs an NRI, and how Dubai vs GIFT compares over a decade — with every assumption exposed and editable.
1 · NRI landed-cost calculator (Gujarat)
Sticker price is not what you pay. Stamp duty, registration, GST on under-construction, and brokerage add 6–12% before you get keys.
Rates: Gujarat stamp duty 4.9%; registration 1% (waived for female sole ownership); GST 5% on under-construction non-affordable housing (no ITC); legal/misc estimated at ₹75k. TDS (1% u/s 194-IA on resident sellers above ₹50L) is withheld from the seller's payment, not an extra cost — but it's your compliance duty as buyer. NRI sellers attract 20%+ TDS: budget CA help. Verify current rates before transacting — this is an estimate, not advice.
2 · Dubai vs GIFT — the 10-year duel
Same money, two cities. Dubai wins on yield; GIFT has run harder on price. Set your own assumptions — ours are just starting points (Dubai: 7% yield / 3% growth; GIFT: 3.5% / 8%).
Gross figures: no tax, vacancy, maintenance, FX movement or transaction costs on either side — all of which matter and differ by your situation (Dubai rent is tax-free locally; Indian rent is taxable; INR/AED paths diverge). This tool frames the trade-off; it doesn't settle it. Both markets carry risk.
Want these numbers run against a specific project — with RERA dates, real quotes and the tax angles for your situation? Get the Buyer's Guide and reply to the email.