🏠 Property Investment Analysis

Real Estate ROI Calculator

Calculate complete property investment returns — purchase costs, rental income, appreciation, loan leverage, and capital gains tax.

🏗️ Full Lifecycle 📊 Loan Leverage 💰 Tax Impact

🏠 Property Details

Property Value (₹)

Registration & Stamp Duty (%)

Holding Period (Years)

Annual Appreciation (%)

Monthly Rent (₹)

Annual Rent Increase (%)

🏦 Loan Details

Down Payment (%)

Loan Interest Rate (%)

Loan Tenure (Years)

💸 Annual Expenses

Maintenance (₹/year)

Property Tax (₹/year)

Insurance (₹/year)

📈 Value Growth

💰 Cash Flow Breakdown

🎯 ROI Breakdown

⚖️ Opportunity Cost — What If You Invested in Equity?

Frequently Asked Questions

How is capital gains tax calculated on property?

If held for >2 years: Long-term capital gains (LTCG) taxed at 20% with indexation benefit. Under 2 years: Short-term capital gains taxed as per income slab. Section 54 exemption available if reinvested in another property.

What is a good rental yield in India?

In India, residential rental yield averages 2-4% per annum. Commercial properties offer 6-9%. Cities like Bangalore and Pune tend to have slightly higher yields due to IT demand.

Does leveraging with a home loan improve ROI?

Yes, leverage amplifies returns on equity invested. If property appreciates faster than your loan interest rate, leveraging significantly boosts ROI on your down payment. However, it also amplifies losses if property value stagnates.