Real Estate Investment Calculator
The most complete real estate return calculator on OurPaisa Tools: combines your down payment, home loan EMI, rental cash flow, property appreciation, selling costs and the loan payoff at sale into one overall return on your invested capital.
Purchase & Loan
Rent, Appreciation & Exit
This assumes you sell at the end of the holding period, pay off any remaining loan balance from the sale proceeds, and pay selling costs (brokerage, etc.) on the sale price. All rate and cost assumptions are editable -- none are guaranteed.
Results
Total ROI (on cash invested)
Annualized ROI
How This Real Estate Investment Calculator Works
This is the most complete calculator in the Real Estate Investment group: it models the full lifecycle of a financed property investment. It computes your home loan EMI and tracks annual net rental cash flow (rent minus expenses minus EMI); projects the property's value at sale using compounding appreciation; then at sale, deducts selling costs and whatever loan balance still remains (using standard loan amortization) to get your net sale proceeds. Total profit is your net sale proceeds plus all the rental cash flow collected, minus the down payment you originally put in.
Why This Differs From the Rental Property ROI Calculator
Our Rental Property ROI Calculator gives a similar picture but doesn't account for the loan balance still outstanding when you sell, or selling costs -- useful for a quicker year-1-focused view. This calculator is more complete for planning an actual exit: it properly pays off your remaining loan balance from the sale price and deducts brokerage/selling costs, giving a more realistic final return figure, especially if you plan to sell before the loan is fully repaid.
Every Assumption Here Is Editable, None Is Guaranteed
Loan rates, rental income, appreciation and selling costs are all inputs you control -- none are predictions. Property markets move in cycles, rental demand varies by location and tenant, and a bank's actual lending rate depends on your credit profile. Use conservative, well-researched assumptions for real planning decisions, and treat this as one input among several, not a guarantee of returns.
Is my data sent to any server?
No. Every calculation happens directly in your browser using JavaScript. Nothing you enter is ever transmitted to OurPaisa Tools' servers or stored anywhere -- close the tab and it's gone.
Disclaimer: This tool provides an estimate for general informational purposes only and does not constitute financial or investment advice. Rental income, appreciation and interest rates are never guaranteed and can change. See our Disclaimer and Terms of Use for more detail.