Property Investment ROI Calculator
Rental yield, home loan EMI, cash flow & total return in one place (indicative)
Indicative estimate for planning only — not investment advice. It shows GROSS rent, EMI and appreciation; subtract maintenance, property tax, income tax and any vacancy for your real net return. Rent, rate and appreciation are assumptions you set. Confirm with your bank and a local expert.
How to judge a property investment
A property pays you back in three ways, the rent it earns, the loan cost it carries, and the rise in its value. Look at all three together. A low rental yield can still be a strong investment if the area appreciates well, and a great rent can disappoint if the price never moves. This calculator brings the yield, the EMI, the monthly cash flow and the total return into one view so you can compare deals honestly.
Plan the rest of the cost too: estimate registration with our stamp duty calculator, check how much loan your salary supports in the home loan by salary guide, compare a commercial buy with the commercial ROI calculator, and browse live projects.
Frequently asked questions
What is a property ROI calculator?
It is a tool that estimates the return on a property investment from three sources at once, the rent you earn, the loan cost you pay, and the rise in the property value. You enter the numbers and it shows the yield, monthly cash flow and total return.
How is return on investment (ROI) calculated on property?
Add the total rent you collect and the gain in the property value, then compare it to what you put in. This tool shows the total return over your holding period as a percentage of the property price.
What is rental yield?
Rental yield is the annual rent divided by the property price, as a percentage. A forty-thousand monthly rent on a one-and-a-half crore property is a gross yield of about 3.2 percent.
What is a good rental yield on residential property?
Residential yields in Indian cities are usually modest, often two to four percent gross, while commercial can be higher. Investors accept low residential yields because the bigger return comes from price appreciation.
What is monthly cash flow on a property?
It is the rent left after your loan EMI (and, in reality, maintenance and tax). If the EMI is higher than the rent, the cash flow is negative and you fund the gap each month.
How is the home loan EMI calculated?
The EMI depends on the loan amount, the interest rate and the tenure. A longer tenure lowers the monthly EMI but raises the total interest you pay over the life of the loan.
What down payment do I need?
Banks typically fund seventy-five to ninety percent of the value, so you arrange the rest plus costs yourself. A larger down payment means a smaller loan, lower EMI and better cash flow.
Does this calculator include maintenance and taxes?
No, it shows gross rent, EMI and appreciation. Subtract maintenance, property tax, income tax and any vacancy to reach your true net return.
What is cash-on-cash return?
It is the yearly cash flow divided by the actual cash you invested (mainly the down payment). It tells you how hard your own money is working, separate from the total return.
Is property a good investment if the cash flow is negative?
Many Indian residential deals run a small negative cash flow early on, with the return coming from appreciation and rising rent later. Judge the total return, not just month one.
How does appreciation affect ROI?
Appreciation is often the biggest part of the return in Indian residential property. A modest yearly rise, compounded over your holding period, can outweigh the rent entirely.
What costs are there beyond the price?
Stamp duty and registration, GST on under-construction homes, interiors, brokerage and loan fees. Use our stamp duty calculator and keep a buffer above the price.
How accurate are these figures?
They are indicative estimates for planning. Actual returns depend on the real rent, rate, costs, vacancy, market and time. Confirm the numbers with your bank and a local expert.
Should I check RERA before buying an investment property?
Yes, verify the project on the state RERA portal and check the title and approvals. Our RERA guide shows how.
How can Realty Hunting help me invest?
We share verified listings, honest area advice and the real paperwork picture, and help you compare rental and resale potential. Reach out and we will shortlist options that fit your budget and return goal.