Property costs beyond the agreed price
When you buy residential property in India, the price on the agreement is only part of what you'll pay. Stamp duty and registration charges are state taxes levied on the transaction value (or the circle rate, whichever is higher), and they vary dramatically — from around 3% in some states to over 7% in others, with additional registration fees on top. Many states offer a reduced stamp duty rate for female buyers, which can save lakhs on a mid-range apartment.
The stamp duty calculator covers major states including Maharashtra, Karnataka, Delhi, Uttar Pradesh, Tamil Nadu and others. Select your state, enter the property value and buyer gender, and it computes stamp duty, registration charges (including any cap that applies), and the total out-of-pocket cost. State-specific pages drill into the exact slab structure and any recent rate changes — useful when comparing properties across state borders or deciding whether to register in a female family member's name.
Professional tax — the salary deduction you barely notice
Professional tax is a state levy on salaried income, deducted monthly by your employer and remitted to the state government. The rates and slabs differ in every state that levies it — Maharashtra tops out at ₹2,500 per year (₹200/month for most salaried employees), Karnataka has its own slab structure, and several states charge nothing at all. The constitutional cap is ₹2,500 per year under Article 276, but how states structure their slabs to reach that cap varies.
The professional tax calculator takes your monthly gross salary and state, applies the correct slab table, and shows both monthly and annual PT. It's particularly useful when comparing job offers in different cities — a ₹25 LPA offer in Bangalore and a ₹25 LPA offer in Gurgaon may have identical income tax but different professional tax (Karnataka levies it; Haryana does not). State-specific pages show the full slab table and a worked example at a typical salary.
How these fit into your overall tax picture
Stamp duty is not deductible from income tax under current rules (except in limited circumstances for let-out property under the old regime), but knowing the total acquisition cost matters for your capital gains calculation when you eventually sell. Professional tax, on the other hand, is deductible from salary income and flows into your in-hand salary calculation automatically. Both calculators use FY 2026-27 rates and are updated when states revise their schedules.
Property registration rules, circle rates and professional tax slabs change with state budgets — always verify the latest notification before a transaction. These tools give you a reliable estimate and show the working; for legal validity of registration or PT disputes, consult a lawyer or chartered accountant in your state.