Property ROI Calculator
Calculate total return on a property investment, including appreciation and rental income.
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
Judging a property investment by appreciation alone, or by rental income alone, tells only half the story, real estate returns come from both channels together, and combining them correctly (not just adding raw numbers) requires netting rental income against expenses before comparing it to the capital gain. This calculator takes purchase price, current value, total rental income received and total expenses to compute total ROI as a percentage: appreciation (current value minus purchase price) plus net rental income (income minus expenses), divided by the original purchase price. Doing this by hand means correctly netting the rental side before combining it with appreciation, a step that's easy to skip and that silently overstates returns if missed. The output is a single percentage figure that reflects the property's full performance since purchase, useful for comparing against other investments or previous holding periods.
Worked example
Bought ₹50L, now worth ₹65L, ₹6L rent received, ₹1.5L expenses
Result: ROI ≈ 39%
How to use this
- 1Enter the property's purchase price and any renovation costs.
- 2Enter expected rental income and annual expenses.
- 3Read the estimated rental yield and return on investment.
Troubleshooting
ROI seems very different from what my agent quoted.
Confirm whether your agent's figure includes or excludes financing costs, vacancy periods and maintenance, this calculator lets you set those explicitly.
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