The PropyMart ROI Calculator models a property investment using your purchase price, buying charges, furnishing, rent growth, vacancy, running costs, loan and editable tax assumptions. Compare estimated profit, total ROI on cash committed, annual cash-flow IRR and a same-contribution FD benchmark over your holding period. Results are projections, not forecasts or guaranteed returns.
Property ROI & Investment Returns Calculator
Reviewed by Nas, PropyMart AI · AI Property Advisor · Last updated 2026-10-31
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How do I use the ROI Calculator?
- Inputs: price, rent, growth, vacancy, buying costs and holding years
- Outputs: profit, total ROI, cash-flow IRR and exit equity
- Same-cash FD comparison with editable assumptions
- Monthly loan amortisation and simplified editable tax
- Use alongside the Investment AI tool to compare scenarios
How to use this calculator
- Step 1 Enter the property price, stamp duty, registration and the actual furnishing budget. These costs are paid upfront.
- Step 2 Choose cash or a home loan. Set vacancy, running costs, rent growth and a realistic appreciation assumption.
- Step 3 Move the sell-year slider. Compare profit, cash needed, IRR and the same-cash FD benchmark.
- Step 4 Switch tax on, inspect the ledger, then share the free report or ask NAS AI to challenge the plan.
Same maths. Different decisions.
Hypothetical inputs, not city averages or customer results. Indicative · Oct 2026. Tax is simplified; verify with your CA.
Kolkata · a rental investment
₹50 L purchase, ₹18,000/month starting rent, 10 years, 0% loan at 8.5% over 20 years. 6% appreciation, 5% rent growth, 1 vacant month, 7% buying charges, ₹4 lakh furnishing, ₹2,500 monthly maintenance and ₹12,000 annual municipal tax; 30% slab, 12.5% gain tax, 2% sale cost. estimated post-tax profit: ₹41.7 L
Pune · a rental investment
₹80 L purchase, ₹27,000/month starting rent, 7 years, 0% loan at 8.5% over 20 years. 6% appreciation, 5% rent growth, 1 vacant month, 7% buying charges, ₹4 lakh furnishing, ₹2,500 monthly maintenance and ₹12,000 annual municipal tax; 30% slab, 12.5% gain tax, 2% sale cost. estimated post-tax profit: ₹40.59 L
Bengaluru · a rental investment
₹1.1 Cr purchase, ₹38,000/month starting rent, 12 years, 70% loan at 8.5% over 20 years. 6% appreciation, 5% rent growth, 1 vacant month, 7% buying charges, ₹4 lakh furnishing, ₹2,500 monthly maintenance and ₹12,000 annual municipal tax; 30% slab, 12.5% gain tax, 2% sale cost. estimated post-tax profit: ₹78.34 L
How does the ROI Calculator compare to similar tools?
What questions does the ROI Calculator answer?
What is a good rental yield in India?
There is no universal threshold. Compare net income after owner-paid costs with your capital, local asking-rent evidence, financing needs and alternatives. A high advertised gross yield can conceal vacancy and maintenance.
How is property ROI calculated?
Profit is net sale proceeds after costs, loan repayment and estimated gain tax, plus cumulative after-tax rental cash flow, minus initial equity. Total ROI divides profit by initial equity plus later cash shortfalls. IRR also accounts for timing.
Is real estate a better investment than mutual funds?
It depends on the price, cash flow, costs, risk, liquidity, tax and holding period. Neither asset has an assured return. Use Investment AI to compare explicit assumptions with the same money and horizon.
What costs are not included in this ROI calculation?
GST, purchase brokerage, loan fees, insurance, repair surprises and furniture replacement are not separately modelled. Buying charges, furnishing, vacancy, maintenance, municipal tax, loan payments and a 2% selling-cost assumption are included. Assumptions are indicative, Oct 2026.
How long should I hold property to get good returns?
No holding period guarantees a profit. Move the sell-year slider and inspect the first modelled year with non-negative profit after costs. Actual resale timing and prices can differ materially.
What appreciation rate should I assume for India?
Use an assumption supported by your own comparable transactions and test lower or negative growth. PropyMart does not provide a city-specific appreciation forecast in this calculator. The default is illustrative, not measured market growth.
Does this calculator factor in home loan interest cost?
Yes. Select a loan-funded purchase and set loan-to-value, interest and tenure. Monthly amortisation determines interest, EMIs and outstanding balance; sale proceeds repay the remaining loan.
How is rental yield different from total ROI?
Rental yield measures annual rental income against property capital. Total ROI includes the holding-period sale outcome and cash flows after modelled costs. Adding gross yield to appreciation is not the same as net multi-year ROI.
Does this property ROI calculator include stamp duty and home loan interest?
Yes. Editable buying charges, furnishing, vacancy, running costs and monthly loan amortisation are included. No GST or purchase brokerage is modelled.
What is the difference between property IRR and CAGR?
IRR recognises yearly rental cash flows and additional equity contributions. A simple CAGR assumes one initial amount and one final amount. This tool uses annual cash-flow IRR.
How do you compare a loan-funded property against FD?
The FD starts with the same initial equity and costs and receives the same year-end contributions needed to fund property cash shortfalls. Positive property cash flow is held without interest.