Property Appreciation Calculator
Real EstateProject a property's value, then strip out costs and inflation to find the real return.
Runs entirely in your browser — nothing is uploaded
Features
- Year-by-year value, gain and inflation-adjusted worth.
- Buying and selling costs deducted to give a true CAGR.
- Flags when the return trails inflation.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Property Appreciation Calculator
- 1Enter the purchase price and the appreciation rate you expect.
- 2Set the buying and selling costs for your market.
- 3Compare the true CAGR against the inflation rate.
Frequently asked questions
Why is my real return lower than the appreciation rate?
Stamp duty on the way in and brokerage on the way out both come off, and inflation takes the rest. A property appreciating at 7% with 8% buying costs and 2% selling costs, against 6% inflation, is barely growing in real terms once held for a decade.
What appreciation rate is realistic?
It varies enormously by city and micro-market, and long flat periods are normal. Indian residential prices grew strongly through the 2000s and were broadly flat in real terms for much of the 2010s. Assume something modest and treat anything better as a bonus.
Does this include rental income?
No — it measures capital appreciation only. For a let property the rental yield usually closes much of the gap, which is why the two tools are worth reading together.
What about capital gains tax?
Not included here. Property held over 24 months attracts long-term capital gains tax, with exemptions available if the proceeds are reinvested in another property under section 54 or in specified bonds under 54EC.