Property ROI Calculator
Calculate the total return on your property investment including rental income, capital appreciation and all associated costs. Compare scenarios to make smarter real estate decisions.
Calculate Property ROI
Your ROI Results
Total Investment
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Estimated Sale Price
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Capital Gain
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Total Rental Income
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Total Profit
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Overall ROI
0.00%
Annualised ROI
0.00%
Cash-on-Cash Return
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Investment Breakdown
Year-by-Year ROI Projection
| Year | Property Value | Annual Rent | Cumulative Rent | EMI Paid | Total Profit | ROI |
|---|
What is Property ROI?
Property appreciation is the increase in the value of a real estate asset over time. It is driven by factors such as location demand, infrastructure development, scarcity of land, economic growth and interest rate cycles.
Capital appreciation is one of the two primary return streams from real estate investment, alongside rental income. Understanding how appreciation compounds over a holding period is essential for making informed property investment decisions.
ROI Metrics Explained
| Metric | What It Measures |
|---|---|
| Overall ROI | Total profit as a percentage of total investment |
| Annualised ROI | Compound annual growth rate of the investment |
| Cash-on-Cash Return | Net rental income as a percentage of equity deployed |
| Capital Gain | Increase in property value net of selling costs |
Frequently Asked Questions
What is a good ROI for property in India?
A total annualised ROI of 10–15% is generally considered strong for Indian residential real estate when combining rental yield and capital appreciation. Emerging micro-markets like GIFT City can deliver higher returns for early investors.
Should I include loan EMI in my ROI calculation?
Yes. EMI payments represent real cash outflow. This calculator factors in your loan details to show a cash-on-cash return based on actual equity deployed rather than the full property value.
How does holding period affect ROI?
A longer holding period generally increases total rental income and allows capital appreciation to compound. However it also increases total loan interest and maintenance costs. Use the year-by-year table to find your optimal exit point.
Who should use this calculator?
Property investors, NRIs evaluating Indian real estate, buyers comparing investment vs self-use and anyone planning a property exit strategy will find this calculator useful.
Want Maximum ROI on Your Investment?
Get expert guidance on high-appreciation GIFT City projects and investment strategies tailored to your goals.