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Property Investment Calculator India 2026 – ROI & Cash Flow

Use this free Property Investment Calculator in India to model the full economics of any real estate deal — rental yield, cash flow, mortgage cost, and total ROI.

Analyse long-term property investment returns including mortgage, cash flow, and equity build-up.

Property Price ($)

Down Payment (%)

Mortgage Rate (%)

Loan Term (Years)

Monthly Rent ($)

Monthly Operating Costs ($)

Annual Appreciation (%)

Investment Period (Years)

Currency

Total Investment Return

Monthly Mortgage

Monthly Cash Flow

Annual Cash Flow

Property Value (end)

Equity Built

Total Profit

What is Property Investment Analysis?

Property investment analysis combines mortgage costs, rental income, operating expenses, and capital appreciation to give you the true long-term return on your down payment.

Formula

Monthly Mortgage = P x [r(1+r)^n] / [(1+r)^n-1]
Monthly Cash Flow = Rent - Mortgage - Operating Costs
Equity = Property Value - Remaining Loan Balance
Total ROI = (Cash Flow + Equity Gain) / Down Payment x 100

Examples

US — $450K property, 20% down, 6.5% rate, 30yr, $2,800 rent, $700 costs, 3.5% appreciation, 10yr

Mortgage: $2,275 | Cash flow: -$175/mo | End value: $635K | Equity: $213K | ROI: 209%

India — Rs 80L property, 25% down, 8.5% rate, 20yr, Rs 35K rent, Rs 5K costs, 7% appreciation

EMI: Rs 49,000 | Cash flow: -Rs 19K/mo | 10yr value: Rs 1.57Cr | Equity: Rs 83L

Example — United Kingdom

£280,000 BTL, 25% down, 5.5% rate, £1,100/month rent, 4% annual appreciation. Monthly cash flow: -£89 | 10-year equity gain: £134,276 | Total ROI: 97%

Why Use This?

Property investment is a long game. Even negative cash flow can be offset by equity build-up and appreciation. This calculator shows the complete picture across all return drivers.

Should I invest if cash flow is negative?▼

Negative cash flow properties can still be excellent investments if appreciation and equity build-up compensate. Calculate total ROI including all components.

How does mortgage paydown build equity?▼

In year 1 of a 30-year mortgage, most payments are interest. By year 10, paydown accelerates significantly. Plus appreciation adds equity independently.

What is the BRRRR strategy?▼

Buy, Rehab, Rent, Refinance, Repeat. Investors add value through renovation, then refinance to pull out equity to fund the next property.

💡 Tip: The 2% rule: monthly rent should be 2% of purchase price for strong cash flow. In most markets, 1% is more realistic today.