Rental Yield Calculator
Estimate net rental yield after stamp duty, taxes, maintenance, and appreciation — with or without a home loan.
Property Costs
₹1.20 Cr
₹10.00 L₹5.00 Cr
25 years
5 years40 years
6%
2%12%
Rent & Expenses
₹40,000
₹5,000₹5,00,000
Gross rental yield: 4.0%
5%
0%15%
₹
₹
Typically 30% for house property
Yield Summary
Total Cost of Property
₹1,29,00,000
Future Property Value
₹5,15,02,449
Avg Yield (no growth)
5.1%
Avg Yield (with growth)
2.4%
Stamp Duty₹6,60,000
Registration₹60,000
Transfer Duty₹1,80,000
Year-wise Cash Flow
| Year | Rent | Tax | Post-Tax | Maint. | Prop. Value | Yield (w/ growth) |
|---|---|---|---|---|---|---|
| 1 | ₹4,80,000 | ₹97,650 | ₹3,67,350 | ₹10,000 | ₹1,29,00,000 | 2.8% |
| 2 | ₹5,04,000 | ₹1,02,533 | ₹3,85,718 | ₹11,000 | ₹1,36,74,000 | 2.7% |
| 3 | ₹5,29,200 | ₹1,07,659 | ₹4,05,003 | ₹12,100 | ₹1,44,94,440 | 2.7% |
| 4 | ₹5,55,660 | ₹1,13,042 | ₹4,25,254 | ₹13,310 | ₹1,53,64,106 | 2.7% |
| 5 | ₹5,83,443 | ₹1,18,694 | ₹4,46,516 | ₹14,641 | ₹1,62,85,953 | 2.7% |
| 6 | ₹6,12,615 | ₹1,24,629 | ₹4,68,842 | ₹16,105 | ₹1,72,63,110 | 2.6% |
| 7 | ₹6,43,246 | ₹1,30,860 | ₹4,92,284 | ₹17,716 | ₹1,82,98,897 | 2.6% |
| 8 | ₹6,75,408 | ₹1,37,403 | ₹5,16,898 | ₹19,487 | ₹1,93,96,830 | 2.6% |
| 9 | ₹7,09,179 | ₹1,44,274 | ₹5,42,743 | ₹21,436 | ₹2,05,60,640 | 2.5% |
| 10 | ₹7,44,638 | ₹1,51,487 | ₹5,69,880 | ₹23,579 | ₹2,17,94,279 | 2.5% |
| 11 | ₹7,81,869 | ₹1,59,062 | ₹5,98,374 | ₹25,937 | ₹2,31,01,935 | 2.5% |
| 12 | ₹8,20,963 | ₹1,67,015 | ₹6,28,293 | ₹28,531 | ₹2,44,88,051 | 2.4% |
| 13 | ₹8,62,011 | ₹1,75,365 | ₹6,59,708 | ₹31,384 | ₹2,59,57,334 | 2.4% |
| 14 | ₹9,05,112 | ₹1,84,134 | ₹6,92,693 | ₹34,523 | ₹2,75,14,775 | 2.4% |
| 15 | ₹9,50,367 | ₹1,93,340 | ₹7,27,328 | ₹37,975 | ₹2,91,65,661 | 2.4% |
| 16 | ₹9,97,886 | ₹2,03,007 | ₹7,63,694 | ₹41,772 | ₹3,09,15,601 | 2.3% |
| 17 | ₹10,47,780 | ₹2,13,158 | ₹8,01,879 | ₹45,950 | ₹3,27,70,537 | 2.3% |
| 18 | ₹11,00,169 | ₹2,23,816 | ₹8,41,973 | ₹50,545 | ₹3,47,36,769 | 2.3% |
| 19 | ₹11,55,177 | ₹2,35,006 | ₹8,84,072 | ₹55,599 | ₹3,68,20,975 | 2.3% |
| 20 | ₹12,12,936 | ₹2,46,757 | ₹9,28,275 | ₹61,159 | ₹3,90,30,234 | 2.2% |
| 21 | ₹12,73,583 | ₹2,59,095 | ₹9,74,689 | ₹67,275 | ₹4,13,72,048 | 2.2% |
| 22 | ₹13,37,262 | ₹2,72,049 | ₹10,23,423 | ₹74,002 | ₹4,38,54,370 | 2.2% |
| 23 | ₹14,04,125 | ₹2,85,652 | ₹10,74,595 | ₹81,403 | ₹4,64,85,633 | 2.1% |
| 24 | ₹14,74,331 | ₹2,99,934 | ₹11,28,324 | ₹89,543 | ₹4,92,74,771 | 2.1% |
| 25 | ₹15,48,048 | ₹3,14,931 | ₹11,84,740 | ₹98,497 | ₹5,22,31,257 | 2.1% |
About Rental Yield Calculator
Compute net rental yield after taxes, maintenance and optional home-loan costs.
How it works
Enter property price, rent, expenses, tax and loan details if any. Compare gross vs net yield.
Practical tips
Stress-test vacancy months and maintenance spikes before buying for yield alone.
Important to know
Local rent laws and tax treatment vary — verify with a CA for your case.
Frequently Asked Questions
- What is rental yield?
- Rental yield is annual rent relative to property cost. Net yield after tax, maintenance, and loan costs is more useful than gross yield.
- What is a good rental yield in India?
- Gross yields often sit in low-to-mid single digits in many metros. Compare against post-tax FD/debt alternatives after costs.
- Should I buy for yield or appreciation?
- Some cities offer weak yields but stronger price growth expectations. Model both cash flow and appreciation carefully.
- How do home loans affect yield?
- EMI interest and principal change cash flow. This calculator can include loan mode so you see leveraged outcomes.
- Are vacancy and maintenance included?
- Add realistic maintenance and vacancy assumptions. Empty months can wipe thin rental margins.