Builder Floor vs Apartment Cost Comparator

A builder floor and an apartment can look like the same money until you pull the costs apart. The floor has a smaller price tag, a real share of land and construction or fit-out work; the apartment has beril white amenities, monthly maintenance, a sinking fund and parking charges that never stop. Compare them on one page and the "cheaper" answer stops being folklore.

Builder Floor vs Apartment Cost Comparator lines up both options in total: purchase price, land share, construction / fit-out cost, registration, amenities, monthly maintenance, property tax, parking and the loan EMI if you finance. It closes with a total upfront cost, a monthly running cost and a cost per sq ft for each - so the financial difference is explicit, not assumed.

Enter the figures you are quoted (or the realistic ones in your area), and read the verdict in lakhs and rupees per month. Everything runs in the browser; nothing is uploaded.

• Two-option model: All cost lines entered for builder floor and apartment on the same basis.
• Land share line: Treats the land behind a floor as an asset, not just the building cost.
• Construction / fit-out: The one-off cost that makes a bare floor livable.
• Full recurring set: Maintenance, society fee, property tax, parking and sinking fund.
• Optional financing: Down payment and loan for each to add the EMI.
• Verdict banner: Total cost, monthly running cost and per-sq-ft comparison with a clear which-is-cheaper read.
• Export: Copy or download the comparison as text, CSV or JSON.
• Learning guide: The hidden costs of each option and how to price them honestly.

1. Enter the purchase price for the builder floor and the apartment.
2. Add the land share for the floor (the plot value you own).
3. Enter construction / fit-out cost for the floor if it is not turnkey.
4. Add registration and amenities - the one-off, upfront extras for each.
5. Set the recurring lines: monthly maintenance, society fee, property tax, parking, sinking fund.
6. Optionally add financing - down payment and loan terms for each.
7. Read the verdict. Total upfront, monthly running and per-sq-ft cost for both options.
8. Export the comparison for your decision file.

Example 1 - Typical: A 1,200 sq ft builder floor at 55 lakh plus 20 lakh land share and 15 lakh fit-out vs a 1,150 sq ft apartment at 85 lakh - the floor wins on price per sq ft but carries its own maintenance and tax.

Example 2 - Monthly: Apartment maintenance of 5,000 plus society 2,000 vs a floor with 1,200 common charges - the recurring gap alone can be 6,000 a month.

Example 3 - Financing: Same loan at the same rate on the two prices - the apartment EMI is higher, which the comparator layers on top of running costs.

Example 4 - Cost per sq ft: The comparator converts both totals to a per-sq-ft number so different areas compare on the same basis.

Example 5 - Verdict: When the floor lands lower on total and monthly, the banner says so - and the amenity trade-off is the reason left to weigh.

• No more assumed math: Both options costed line by line on the same basis.
• Land is priced like the asset it is: The floor's land share shows in the total, not buried.
• Recurring costs made visible: Maintenance-heavy apartments look the part in the monthly view.
• Financing layered in: EMI included, not ignored.
• One-page verdict: Total, monthly and per-sq-ft in a single read.
• Export-ready: Text, CSV and JSON outputs for your decision file.
• Free and private: No uploads, no accounts, no logging.