Calculators & Financial Planning: The Maths Behind the Decision
Every number that decides a property outcome — return, yield, tax and cost — set out with worked examples and linked to the matching interactive tool.
Calculators & Financial Planning — 15 analyses
Calculating Rental Yield — Gross and net rental yield formulas explained with a worked Gurgaon example, common measurement errors, and a link to EstateVeda's yield calculator for instant results.
Calculating Property ROI — The correct ROI formula for Indian real estate, why it must include holding costs and financing, and a worked example comparing cash and leveraged purchases.
Calculating IRR for Real Estate — Internal Rate of Return explained for Indian property with irregular cash flows: the formula, why it beats simple ROI, and a worked multi-year example.
Calculating CAGR of Property Value — Compound Annual Growth Rate for Indian property explained with the exact formula, a worked multi-year example, and why CAGR is the right tool for comparing appreciation.
EMI and Amortisation Calculation — The EMI formula for Indian home loans explained with a worked example, how amortisation splits principal and interest, and how prepayment changes the schedule.
Cash-on-Cash Return — Cash-on-cash return measures annual pre-tax cash flow against actual equity invested — the key metric for leveraged Indian rental purchases, with a worked example.
Cashflow Modelling for a Rented Flat — A line-by-line cashflow model for a rented Indian flat covering rent escalation, EMI, CAM, tax and vacancy, with a worked 5-year projection.
LTCG Tax After Finance Act 2024 — Finance Act 2024 replaced 20% indexed LTCG with a flat 12.5% rate on property, with grandfathering for assets bought before 23 July 2024. Full rules and worked example.
STCG on Property — Property sold within 24 months attracts short-term capital gains taxed at the seller's income slab rate, with no indexation. Rules, worked example and TDS impact.
Section 54/54F Exemption Planning — How Section 54 (residential-to-residential) and Section 54F (other assets to residential) exemptions reduce LTCG tax on property, with timelines and a worked example.
Indexation for Legacy (Pre-2024) Property — How the Cost Inflation Index still applies to resident sellers of pre-23 July 2024 property under the grandfathering option, with the full indexation formula and example.
NRI TDS on Property Sale — Buyers must deduct TDS at 20%+ on property purchased from an NRI seller, well above actual tax due. How Section 197 lower-deduction certificates fix this, with a worked example.
Property Tax in Gurugram (MCG) — How the Municipal Corporation of Gurugram calculates annual property tax by category and area, with a worked example and rebate details for early payment.
Stamp Duty & Registration Cost Calculation (Haryana) — Stamp duty in Haryana varies by gender, municipal status and urban/rural location, plus a flat registration fee. Full breakdown, rates and a worked Gurugram example.
Opportunity Cost of Holding Property — How to compare holding an underperforming property against redeploying capital into equities or fixed deposits, using a like-for-like post-tax annualised framework.