Does this ROI account for my mortgage or leverage?

No, this calculator measures return on the full purchase price, not on the cash you actually put down. If you financed the purchase, your cash-on-cash return (see the Cash-on-Cash Return calculator) will be higher because leverage amplifies returns on the smaller equity you invested.

Does the ROI include selling costs or capital gains tax?

No, appreciation is based on current market value only. Actual proceeds if you sold would be reduced by agent commission, closing costs, and any applicable capital gains tax.

Property ROI Calculator

Calculate total return on a property investment, including appreciation and rental income.

How this is calculated

ROI % = (Appreciation + Net rental income) ÷ Purchase price × 100

Assumptions used in this calculation

Unrealized gains: Appreciation is based on current market value, not an actual sale, it's an unrealized gain until the property is sold.

About this calculator

The property ROI calculator combines capital appreciation and net rental income to find total return on investment for a property.

Worked example

Bought ₹50L, now worth ₹65L, ₹6L rent received, ₹1.5L expenses

Result: ROI ≈ 39%

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Property ROI Calculator

About this calculator

Frequently asked questions

Does this ROI account for my mortgage or leverage?

Does the ROI include selling costs or capital gains tax?

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