Property ROI Calculator
Calculate total return on investment for a property including rental income and appreciation
Property Details
Purchase Price
Annual Property Appreciation
Expected annual increase in property market value
Holding Period
How many years you plan to hold the property
Annual Costs (Optional)
Other Annual Costs
Maintenance, insurance, rates, or any other recurring annual costs
Rental Income (Optional)
Income Frequency
Rental Income (per month)
Annual income: Rs. 600,000.00
Total ROI
+76.93%
over 5 years
Annual ROI (CAGR)
+12.09%
per year
Property Value at Exit
Rs. 14,693,280.77
after 5 yrs
Capital Gain
Rs. 4,693,280.77
appreciation profit
Gross Rental Income
Rs. 3,000,000.00
total collected
Net Rental Income
Rs. 3,000,000.00
after expenses
Full Summary
Purchase Price
Rs. 10,000,000.00
Gross Rental Income
Rs. 3,000,000.00
Net Rental Income
after all recurring expenses
Rs. 3,000,000.00
Capital Gain
8% p.a. appreciation
Rs. 4,693,280.77
Total Profit
capital gain + net rental income
Rs. 7,693,280.77
Total ROI
Annual ROI (CAGR): 12.09% p.a.
Property Value Growth
Includes capital gain, rental income, and all holding costs
How this property ROI calculator works
This property ROI calculator combines capital appreciation and rental cash flow to estimate total return over your holding period. It projects exit value using your annual appreciation rate and adds rental income after recurring annual costs.
You get both total ROI and annualized ROI (CAGR), helping compare this investment with other options such as fixed deposits or equity funds.
Assumptions and limitations
Results are based on fixed annual assumptions. Real property investments in Sri Lanka can vary due to vacancy, transaction costs, taxes, legal costs, and market cycle shifts.
For final investment decisions, pair this estimate with due diligence on location demand, net yield, financing costs, and expected resale liquidity.
Frequently asked questions
What is a good ROI for property in Sri Lanka?
There is no single benchmark. A strong ROI depends on location quality, net rental yield, capital growth potential, and your financing structure.
Is rental income included in total ROI?
Yes. Total ROI includes both capital gain and net rental income after annual recurring costs you provide.
Why does annual ROI differ from total ROI?
Total ROI measures overall return across the full period, while annual ROI (CAGR) normalizes that return to a per-year rate for easier comparison.
Combine purchase price, ongoing costs, rent, and appreciation assumptions to approximate ROI. Use alongside housing loan repayment estimates.
Frequently asked questions
- What costs should I include?
- Repairs, management, vacancy, insurance, and loan interest affect net return.
- Is appreciation guaranteed?
- No. Market prices move. Stress-test with low and high appreciation cases.
- How do I compare with FD?
- Compare annualised ROI with after-tax FD returns for similar risk appetite.