ROI Calculator
Calculate Returns. Plan Better. Invest Smarter.
Advanced real estate ROI calculator to analyse rental income, property appreciation, cash flow and total returns — helping you make smarter, data-driven investment decisions.
Detailed ROI Insights
Comprehensive Analysis
Rental & Appreciation
Dual Return Calculation
Customizable Inputs
Tailor to Your Investment
Visual Reports
Charts & Projections
Investment Confidence
Data-Driven Decisions
Investment Details
Investment Breakdown
Rental Income
Expenses (Annual)
ROI Summary
Initial Equity
₹ 75,00,000
Net Profit (5 Yrs)
₹ 1,54,58,445
Equity ROI (5 Yrs)
206.11%
Annualized ROI (IRR)
21.22%
Net Rental Income
₹ 29,40,379
Property Appreciation
₹ 1,95,52,467
Cash on Cash Return
-15.58%
Interest Paid
₹ 70,34,401
Equity Break Even
Year 1
Returns Over Time
Estimated property value, appreciation and cumulative rental income.
Annual Cash Flow
| Year | Net Cash Flow | Principal | Cumulative |
|---|---|---|---|
| Year 1 | ₹ -12,97,429 | ₹ 3,48,290 | ₹ -12,97,429 |
| Year 2 | ₹ -12,67,429 | ₹ 3,79,076 | ₹ -25,64,858 |
| Year 3 | ₹ -12,35,929 | ₹ 4,12,583 | ₹ -38,00,786 |
| Year 4 | ₹ -12,02,854 | ₹ 4,49,051 | ₹ -50,03,640 |
| Year 5 | ₹ -11,68,125 | ₹ 4,88,743 | ₹ -61,71,765 |
ROI Performance
Gross Returns
₹ 2,24,92,846
(5 Years)
₹ 29,40,379
₹ 1,95,52,467
Financing cost is deducted separately when calculating your final investor profit.
Investment Insights
A quick view of your projected profitability, returns and cash-flow position based on the assumptions entered above.
Estimated Net Profit
₹ 1,54,58,445
Over 5 years
Equity ROI
206.11%
Total return on initial equity
Annualized Return
21.22%
Estimated IRR
Final Investor Wealth
₹ 2,29,58,445
After 5 years
Where Your Returns Come From
Property Appreciation
₹ 1,95,52,467
86.9% of gross returns
Based on the assumed annual appreciation rate.
Net Rental Income
₹ 29,40,379
13.1% of gross returns
After operating expenses over the holding period.
Financing Cost
₹ 70,34,401
Total interest paid
Loan principal repayment is building your property equity.
Annual Cash Flow
-₹ 12,97,429
Your rental income currently does not fully cover operating expenses and EMI.
Equity Break-Even
Year 1
Your projected property equity and cumulative cash flow recover the initial equity contribution by Year 1.
What this means for your investment
Based on the current assumptions, this investment projects an estimated ₹ 1,54,58,445 profit over 5 years, equivalent to a 206.11% equity ROI. Your projected property appreciation contributes ₹ 1,95,52,467, while net rental income contributes ₹ 29,40,379.
* Returns are estimates based on the assumptions entered into the calculator. Property appreciation, rental income and future returns are not guaranteed. Taxes, brokerage and selling costs are excluded unless specifically included in the calculator inputs.
Scenario Planning
Try Different Scenarios
Change rent, appreciation, interest rate or holding period to explore how different assumptions can affect your projected investment returns.
Real Estate Investment Guide
Understanding ROI in Real Estate
Real estate returns are influenced by more than just property appreciation. Rental income, financing costs, equity growth and the time you hold the property all contribute to your overall investment performance.
The Basics
What does ROI actually mean?
ROI, or Return on Investment, tells you how much your investment has earned relative to the money you initially invested. In real estate, this return can come from multiple sources — property appreciation, rental income and the growth of your ownership equity.
Simple ROI Formula
ROI = Profit ÷ Investment × 100
A higher ROI generally indicates a stronger return relative to the capital invested.
Equity ROI
Total return on your invested equity
Equity ROI measures how much profit your investment generates compared with the initial equity you put into the property.
Key Formula
Equity ROI = Total Profit ÷ Initial Equity × 100
Annualized ROI (IRR)
Your estimated yearly investment return
IRR considers the timing of your cash flows, including your initial investment, rental cash flow and the value received when the property is sold.
Key Formula
IRR = Annualized return that makes all investment cash flows equal to zero
Rental Income
Recurring income generated by the property
Rental income represents the cash generated by leasing the property. Your calculator deducts the operating expenses you enter to arrive at net rental income.
Key Formula
Net Rental Income = Rental Income − Operating Expenses
Property Appreciation
Increase in the property's estimated value
Property appreciation represents the projected increase in the property's value over your selected holding period based on the appreciation assumption used by the calculator.
Key Formula
Appreciation = Future Property Value − Initial Property Value
Cash-on-Cash Return
Annual cash return on your equity
Cash-on-cash return focuses on the property's annual rental cash flow relative to the initial equity invested. It is useful for evaluating ongoing income performance.
Key Formula
Cash-on-Cash = Annual Rental Cash Flow ÷ Initial Equity × 100
Equity Break-Even
When your initial equity is projected to be recovered
Equity break-even occurs when the projected property equity plus cumulative rental cash flow recovers your original equity contribution.
Key Formula
Break-Even = Property Equity + Cumulative Cash Flow − Initial Equity
Return Structure
Where do real estate returns come from?
A real estate investment can generate returns through several different channels. Understanding each one helps you evaluate whether an investment is primarily an income opportunity, an appreciation opportunity, or a combination of both.
Rental Income
Recurring income generated by leasing the property.
Property Appreciation
Growth in the market value of the property over time.
Equity Growth
As loan principal is repaid, your ownership stake in the property increases.
Leverage
Financing can allow you to control a larger property with less initial equity, increasing both potential returns and risk.
Simple Example
How an investment can build wealth
Imagine you purchase a property for ₹2.5 Cr and invest ₹75 L as your initial equity. Over the holding period, your returns may come from both rental income and an increase in property value.
The example above is illustrative only. Actual returns depend on purchase price, financing, rent, vacancy, expenses, market conditions, taxes and selling costs.
ROI is a projection, not a guarantee
Real estate returns can vary significantly based on market conditions, property location, rental demand, financing terms, vacancy, maintenance costs, taxation and the eventual selling price. Use the calculator to compare scenarios rather than treating the output as a guaranteed future return.
Best practice
Test conservative, base-case and optimistic scenarios before making an investment decision.
Ready to evaluate an opportunity?
Use the calculator above to model your investment
Adjust your property value, financing, rental income, expenses and holding period to understand how different assumptions can change your projected returns.
This educational content is for informational purposes only and does not constitute financial, investment, tax or legal advice. Calculated returns are estimates based on the assumptions entered into the calculator and may differ materially from actual results.
