Real Estate ROI Calculator

Calculate total return on investment for property. Includes rental income, capital appreciation, loan interest cost, maintenance, and net ROI after tax.

Real Estate ROI Calculator

Total ROI including appreciation, rental income, loan interest and tax

Purchase price Rs 80L
Rs 5LRs 10Cr
Rs
Down payment Rs 16L
Rs 0Rs 2Cr
Rs
Loan rate 8.5%
6%15%
%
Holding period 10 years
1 yr30 yr
yrs
Expected sale price Rs 1.4Cr
Rs 5LRs 20Cr
Rs
Monthly rent received Rs 20,000
Rs 0Rs 2L
Rs
Monthly maintenance Rs 10,000
Rs 0Rs 50K
Rs
Total ROI
---
on total investment
CAGR
---
annualised return
Net profit
---
after all costs + tax
Total invested (down + EMIs)---
Capital appreciation---
Rental income---
Loan interest cost---
Maintenance cost---
LTCG tax (12.5%)---
Net profit---
Profit vs total cost
Net profit: ---
Total costs: ---

ROI calculation includes financing costs. Actual returns depend on market conditions, tenant quality, and holding period.

Property investment return waterfall
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ThriftRupee Insight

Real estate ROI is often overstated because investors count appreciation but forget the interest cost of the home loan. A Rs 80 lakh property that appreciates to Rs 1.4 crore in 10 years seems like a 75% gain. But if you paid Rs 55 lakh in loan interest over that period, your actual net gain is only Rs 5 lakh on a Rs 80 lakh investment — less than 1% per year. Always compute ROI including financing costs.

Real Estate ROI — The Complete Picture

Most property investors calculate ROI as (Sale price - Purchase price) / Purchase price — ignoring stamp duty, loan interest, maintenance, vacancy, and capital gains tax. This calculator computes the true net ROI after all these costs, giving you a realistic CAGR to compare against equity or fixed income investments.

Frequently asked questions

How do you calculate ROI on real estate in India?▼
Real estate ROI = (Net profit / Total investment) × 100. Net profit = Sale price + Total rental income - Purchase price - Stamp duty - Home loan interest - Maintenance - Capital gains tax. Total investment includes down payment + all EMIs paid. A complete ROI calculation must account for all cash outflows over the holding period.
What is a good ROI on residential property in India?▼
Indian residential property has delivered 6–10% CAGR in major cities over 10-year periods (including rental yield + appreciation). Net ROI after financing costs and taxes is typically 4–7% for leveraged purchases. Tier-2 cities sometimes deliver higher appreciation, while metros offer better rental yields (2.5–4%).
Should I include rental income in property ROI?▼
Yes — always include rental income in ROI calculations. Rental yield in Indian metros is 2–3.5% per annum on property value. For a Rs 80 lakh flat at 3% yield, that's Rs 2.4 lakh per year in rent, or Rs 20,000 per month. However, vacancy periods (typically 1–2 months/year), maintenance, and property management must be deducted.

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