About
A small, named operation: free property calculators, written guides, and no pretence that a spreadsheet is a solicitor.
Nirmal Lashkari is the founder of LashkariProperties. He is based in Indore, India, and runs the site as a sole proprietorship — there is no separate company behind the brand.
He built the platform after watching friends and family treat listing prices and monthly payments as if they were the whole decision. The tools exist so anyone can see the loan, the deposit, the yield, or the cash-to-close on one screen, without sending those figures to a server.
The calculators are educational. They are not a brokerage, not a lender, and not personal financial, tax, or legal advice. When a rule depends on a country, a state, or a lender, the pages say so and point you to a local professional.
LashkariProperties is a library of free calculators and long-form guides for people who are buying a home, comparing a rental, or testing whether an investment still works after costs. The numbers run in your browser. Income, prices, and loan amounts are not sent to our servers.
The content is written for readers in more than one market because the underlying maths — amortisation, yield, cash-on-cash, loan-to- value — is shared. Where a rule is local (stamp duty, PMI, leasehold, FIRB, DLD fees), we say so and we do not pretend a calculator can replace the local form.
Every calculator is a deterministic function, not a model that guesses. The same inputs always produce the same output, which is what makes a result checkable: if you disagree with a figure, you can work it out by hand and find where we differ.
The finance logic is covered by an automated test suite that runs on every change, including the amortisation schedule, the PITI breakdown, stamp-duty banding for every jurisdiction on this site, and the rental-yield and DSCR maths. A change that alters a published figure fails the build before it reaches you.
Calculations run in your browser. Prices, incomes, deposits and loan balances are computed on your device and are never transmitted, which is why there is no account to create and nothing to delete.
The assumptions behind each tool, and the rate and fee data behind each jurisdiction, are written down rather than buried in code. See the methodology for how the models work and the rule change log for what changed and when.
Tax rates, thresholds and lending rules come from the body that sets them, not from other blogs. Across the guides on this site that means primary sources such as GOV.UK and HMRC for the UK, the Consumer Financial Protection Bureau, IRS, HUD, Fannie Mae and Freddie Mac for the USA, the Australian Taxation Office and ABS for Australia, Canada.ca and OSFI for Canada, and Dubai Land Department for the UAE. Every guide links out to the sources it relies on.
Worked examples state their inputs. Each chart and table carries the assumptions it was built from, the date the figures were checked, and where the numbers came from — and for the examples that matter, the underlying rows are published as a downloadable CSV so you can replace our assumptions with your own quotes.
Rules change. Where a figure depends on a rate that moves, the page says when it was last reviewed. If you find something out of date or wrong, tell us and we will correct it and log the change.
Advertising, and nothing else. There is no paid tier, no lead selling, and no commission arrangement with any lender, agent or developer — so no calculator is tuned to push you toward a product. Ads only load after you consent, and you can change that choice at any time from the link in the footer.
Head office: 2, South Tukoganj, Indore - 452001, India. Phone +91 99933 20540. Privacy requests go to privacy@lashkariproperties.com. General questions can use the contact form.
