Rental Yield Calculator
Real EstateWhat a rental property really returns after vacancy, costs and the EMI.
Runs entirely in your browser — nothing is uploaded
Features
- Gross and net yield, with every cost deducted in between.
- Vacancy modelled in weeks, not ignored.
- Cash flow after the EMI, and return on the equity you put in.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Rental Yield Calculator
- 1Enter the property price and the monthly rent.
- 2Add maintenance, property tax, insurance and expected vacancy.
- 3Add the loan if there is one, to see the real cash flow.
Frequently asked questions
What is a good rental yield in India?
Residential yields in most Indian cities run 2–4% net, which is below a fixed deposit. Property returns here come mostly from appreciation, not rent. Commercial property yields more, typically 6–9%, with correspondingly different risks.
What is the difference between gross and net yield?
Gross yield is annual rent divided by price — the figure agents quote. Net yield subtracts vacancy, maintenance, property tax and insurance first. The gap is usually a full percentage point or more, and net is the only one worth deciding on.
Should I count the EMI in the yield?
Not in the yield itself — yield measures the property, not how you financed it. But the cash flow after EMI is what hits your bank account each month, and the return on equity shows what your own money is earning. Both are shown separately.
Is rental income taxable?
Yes, under income from house property. A standard deduction of 30% of the net annual value is allowed for repairs whether or not you spend it, and home-loan interest is deductible. Municipal taxes paid are deducted before the 30%.