Use total acquisition cost, not price alone.
Property ROI Calculator
Combine rental cash flow, costs and appreciation into property return. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Estimated net wealth created₹78.53 LUpdates instantly as you edit
Total acquisition capital₹1.08 Cr
Net rental yield2.47%
Annualised property ROI5.62%
Projection journeyHover to inspect a year
Excludes financing tax effects and income/capital-gains tax. Vacancy, major repairs, legal risk and sale price can materially change ROI.
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Five smart nudges
Use the result with context.
Reduce rent for vacancy and recurring costs.
Test zero or low appreciation.
Compare unlevered return before adding loan risk.
Deduct realistic sale costs and taxes.
Understanding Property ROI in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
Rental yield versus total ROI
Gross yield is annual rent divided by purchase price; net yield subtracts vacancy, maintenance, property tax and insurance and uses total acquisition capital. A ₹1 crore property renting for ₹35,000 monthly has only 4.2% gross yield before costs.
Total ROI also includes appreciation and sale costs. Appreciation is uncertain and can conceal weak cash flow.
Use the complete capital base
Stamp duty, registration, brokerage and setup costs are capital committed even though they do not appear in the property listing price. Financing can amplify both equity return and risk and should be analysed separately.
Vacancy is best modelled through occupancy rather than assuming twelve paid months every year.
Tax and illiquidity
Rental income, interest deductions, depreciation for business assets and capital gains follow fact-specific rules. The calculator reports pre-tax economics.
Property sale can take time and incur brokerage, repairs and negotiation. Compare after-tax, risk-adjusted return with diversified alternatives.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
Property ROI calculator FAQs
What is net rental yield?
Occupancy-adjusted annual rent minus recurring costs, divided by total acquisition capital.
Is appreciation guaranteed?
No. Test low and zero-appreciation scenarios.
Does ROI include home-loan leverage?
This version shows property-level unlevered economics.
Are taxes included?
No. Rental and capital-gains tax depend on individual facts.