Enter a property's value and rent to see gross yield, net yield, annual ROI, payback period and the price-to-rent ratio — the five numbers that tell you whether a flat is worth buying or renting out. Free, no login, and it prints to a clean PDF.
Nothing you type is stored — it stays in your browser.
Tip: add stamp duty + registration + renovation for a true cost-of-acquisition yield.
Leave at 0 if you only want gross yield.
Used only for the total-return estimate. Appreciation is not guaranteed.
Your result
Net rental yield
—
after your yearly costs
Indicative planning figure only — not investment, tax or legal advice.
This calculator gives indicative figures for planning only and is not financial, tax or legal advice. Rental income in India is taxable under "Income from House Property"; yields vary by city, micro-market and tenant demand. Confirm your numbers with a chartered accountant or financial advisor before relying on any result.
Understand your result
Gross yield is annual rent as a percentage of the property's value: (Annual rent ÷ Property value) × 100. It's the headline figure brokers and builders quote because it ignores every cost, so it always looks generous. Use it only as a first-glance screen when comparing two properties.
Net yield subtracts your yearly costs — society maintenance, property tax, insurance, repairs and any management fee — before dividing by the property value: ((Annual rent − Annual costs) ÷ Property value) × 100. Net yield is typically 30–40% lower than gross, and it's the only honest basis for comparing one investment against another.
This is how many years of net rent it would take to recover what the property is worth: Property value ÷ Annual net rent. In most Indian metros a 2.5–3% net yield means a 30-plus year payback from rent alone — a useful reminder that property returns lean heavily on capital appreciation, not just monthly rent.
The price-to-rent ratio is property value ÷ annual rent. A ratio at or below 20 generally suggests buying is reasonable relative to renting; ratios above 35–40, common in South Mumbai and parts of Delhi, suggest renting can be more efficient for the occupant and that the yield case for buying is weak.
Rental income is only half the story. A common investor rule of thumb is Total return = Net yield + Expected annual appreciation, with a combined figure above roughly 12% considered competitive against a diversified equity SIP. Appreciation is never guaranteed, so treat the total-return line as a scenario, not a promise.
Approximate residential ranges for context — your property may differ. These are gross, before costs and tax.
| City / market | Typical gross yield | Note |
|---|---|---|
| Mumbai | 2.5% – 3.8% | High acquisition cost pulls yield down |
| Delhi NCR | 2.5% – 4% | Varies sharply by micro-market |
| Bengaluru | 3% – 4% | IT-corridor demand supports rent |
| Hyderabad | 3.5% – 6% | Hitech City among the strongest |
| Pune / Chennai | 3% – 4.5% | Steady tenant demand |
| Tier-2 (Ahmedabad, Jaipur, Nashik) | 3% – 6% | Lower entry cost lifts yield |
Ranges are indicative market estimates for 2026 and change with location, property quality and demand. Commercial property typically yields 6–10% gross with higher capital and vacancy risk.
From calculator to live portfolio
This tool answers one property at a time. EstateDeck tracks net yield across every unit you own from a single dashboard — rent collected over UPI, society maintenance and property tax logged as real expenses, security deposits and renewals tracked, and owner-wise statements ready at tax time under Income Tax Section 24. The yield you estimate here becomes a live number on actual collections.
UPI
rent collected & reconciled
Sec 24
tax-ready owner statements
Net
yield per unit, live
1–500
units on one dashboard
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Rental yield, answered
For residential property in Indian metros, a gross yield around 3–4% and a net yield around 2.5–3% is typical. Tier-2 cities and well-located flats can reach 4–6% gross. Commercial property usually yields 6–9% gross but needs more capital and carries higher vacancy risk. These are indicative ranges, not guarantees.
Gross rental yield = (Annual rent ÷ Property value) × 100. A property worth ₹80,00,000 let at ₹4,00,000 a year gives a 5% gross yield. Because gross yield ignores costs, it overstates the real return.
Gross yield divides annual rent by property value and ignores costs. Net yield first subtracts yearly costs — maintenance, property tax, insurance, management — so it reflects the actual return and is usually 30–40% lower than gross. Net yield is the honest basis for comparison.
Payback period = Property value ÷ Annual net rent. A 3% net yield implies roughly a 33-year payback from rent alone, which is why Indian property returns rely heavily on capital appreciation rather than rent.
Yes — under "Income from House Property." A 30% standard deduction on net annual value is allowed for repairs under Section 24, and home-loan interest may also be deductible. This tool shows a pre-tax indicative yield; confirm your tax position with a chartered accountant.
For a true cost-of-acquisition yield, yes. Adding stamp duty, registration and renovation to the purchase price gives a lower but more realistic yield because it reflects everything you actually paid to own the asset.
No. It's free, needs no login and runs entirely in your browser. If you run EstateDeck, the same yield, rent ledger and expense tracking work across your whole portfolio on live data instead of manual entry.
EstateDeck turns this calculation into a live number — rent, costs and net yield per unit across your whole portfolio.
