✓ Included with the Utility pass

🏠 Advanced Home Affordability Calculator

Find the maximum home you can afford from income, existing EMIs, down payment and FOIR. Includes a tenure sensitivity table.

Included with the Utility pass

Live preview

Utility Pass

One pass for every included Utility tool

Fast everyday tools, one simple access decision.

99 tools 30 days 60 credits

Is this tool free?

The preview and landing page are free. Full tool access requires a Kriyasya membership.

Is my data safe?

Yes. This tool runs 100% in your browser. No data is sent to any server.

Does this work offline?

Yes. Once loaded, it works without internet. You can install it as an app on your phone.

Works offline. Your data never leaves your device.

Standalone Offline App

Instant launch from your home screen. Works 100% offline with zero data leaving your device.

Private · No App Store required · 0 MB storage

Hardware Encrypted Local Storage

Zero Network Latency

No Trackers or Cloud Uploads

Safari allows you to install Advanced Home Affordability Calculator directly to your home screen with no App Store download:

Everything you save in Kriyasya Utility is stored only on this device and never uploaded. You own it and can delete it anytime.

👤 Your personal record on this device. Won't sync across devices. Clearing browser data erases it.

Clears only your utility data on this device.