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Real Estate ROI Calculator India 2026 – Yield & Returns

Use this free Real Estate ROI Calculator in India to measure the true return on any property investment — combining rental income, appreciation, and all costs.

Calculate total return on a real estate investment including rental income, appreciation, and costs.

Purchase Price ($)

Down Payment (%)

Monthly Rent ($)

Monthly Expenses ($)

Annual Appreciation (%)

Holding Period (Years)

Currency

Total Return on Investment

Down Payment

Annual Cash Flow

Cash-on-Cash Return

Property Value (end)

Total Rental Income

Total Profit

What is Real Estate ROI?

Real estate ROI captures total return from both rental income and capital appreciation. Unlike stock ROI, real estate is leveraged — you control the full asset with only a down payment, amplifying returns.

Formula

Annual Cash Flow = (Monthly Rent - Monthly Expenses) x 12
Cash-on-Cash Return = Annual Cash Flow / Down Payment x 100
Property Value(yr) = Purchase Price x (1+Appreciation)^years
Total ROI = (Total Cash Flow + Appreciation Gain) / Down Payment x 100

Examples

US — $350K property, 20% down, $2,200/mo rent, $600/mo expenses, 4% appreciation, 10 years

Down payment: $70K | Annual cash flow: $19,200 | CoC: 27.4% | Property value: $518K | Total ROI: 340%

India — Rs 1Cr property, 25% down, Rs 25K/mo rent, Rs 5K/mo expenses, 6% appreciation, 10 years

Down: Rs 25L | Annual cash flow: Rs 2.4L | CoC: 9.6% | Property: Rs 1.79Cr | Total ROI: 305%

Example — United Kingdom

£250,000 BTL, £1,200/month rent, £350/month costs, 4% annual appreciation. Gross yield: 5.76% | Net yield: 4.08% | 10-year total ROI: 87%

Why Use This?

Real estate ROI combines cash flow and appreciation — a dual engine of wealth building. Leverage means even modest appreciation on a $350K property yields large returns on your down payment.

What is a good cash-on-cash return?▼

Generally 8-12%+ is considered good. Below 6% may not justify the illiquidity and management burden of rental property.

How does leverage affect ROI?▼

With 20% down, a 4% property appreciation = 20% return on your down payment annually (before expenses). Leverage amplifies both gains and losses.

What expenses should I include?▼

Property tax, insurance, maintenance (budget 1% of value/year), property management (8-10% of rent), vacancy (5-8%), HOA fees, and mortgage interest if applicable.

💡 Tip: The 1% rule: monthly rent should be at least 1% of purchase price to generate positive cash flow ($350K property needs $3,500/mo rent).