Calculator
Property Investment
Total return on a property — price + rent + appreciation, minus EMI and expenses.
dhanmetrics.com · Educational illustration only · Not investment advice
Total return on the property
Worth doing on these numbers
Annualised return on equity
15.40%
After 10 years, including rent + appreciation.
Profit on exit
₹43,77,868
EMI
₹69,426
Lifetime cash flows
What this means
The annualised return includes price appreciation, net rental income, minus EMI and ownership costs over the full hold period. Property is illiquid and concentrated; the return often looks lower than a diversified equity SIP, but offers leverage and an owned roof. Compare carefully.
Educational illustration only. Ignores capital gains tax, prepayment, refinance, and liquidity friction — model those separately for a real decision.
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Purchase & hold inputs
Combines loan EMI, rental income, expenses and capital appreciation into one annualised return.
Maintenance + property tax + insurance.
Long-term Indian residential ≈ 5–7%. Tier-1 metros higher, tier-3 often lower.