Rental Income Planner

Full month-by-month cashflow model. Set all inputs then click Run Projection to see the year-by-year breakdown.

Scenario Inputs

Projection Years ?How many years to model. 20 to 25 years is typical for a full loan cycle. Output table shows one row per year.

Possession Date ?When you take physical possession. Property value appreciation and rental income start from this month.

Property Value at Possession (₹) ?Expected market value when you get possession. This may differ from purchase price if there has been appreciation during construction.

Property Appreciation (% p.a.) ?Annual capital appreciation. Indian residential real estate has historically averaged 5 to 8% per year in Tier-1 cities.

Rental Start Date ?When you first receive rent. Typically 2 to 3 months after possession (painting, furnishing, finding tenant).

Monthly Rent at Start (₹) ?Starting monthly rent. A typical rule of thumb is a gross yield of 2 to 3% per year on property value.

Rent Increase (% p.a.) ?Annual rental escalation. Most leases in India escalate 5 to 10% every year or every 2 years.

Loan Amount (₹) ?Total principal borrowed from the bank.

Annual Interest Rate (%) ?Your home loan interest rate. Used to calculate EMI and total interest paid.

Loan Start Date ?When EMI or interest payments begin to the bank.

Loan End Date ?Final scheduled EMI date. A 20-year loan from Feb 2030 ends Jan 2050.

EMI Starts From ?"From Loan Start" = EMI begins when bank disburses. "From Possession" = EMI begins at handover (subvention scheme).

Key Outputs

Monthly EMI
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Starting Monthly Rent

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Cumulative Net Cashflow

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Property Value at End

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Loan Fully Paid Off
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Months to Positive Cashflow

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Equity XIRR (approx)

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Total Interest Paid

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If you invest the surplus rent income...

Once monthly rent exceeds your EMI, here is what the extra income grows to if invested elsewhere.

At 4% RD (Recurring Deposit)

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At 6.5% FD (Fixed Deposit)

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At 12% Mutual Fund
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Year-by-Year Summary

Year	Period Start	Annual Rent (₹)	Annual EMI (₹)	Net Cashflow (₹)	Property Value (₹)	Loan Balance (₹)	Cumulative Cashflow (₹)

Terms Used on This Page

EMI — Equated Monthly Instalment: your fixed monthly loan repayment to the bank

XIRR — Extended Internal Rate of Return: annualised return accounting for exact cashflow dates

Net Cashflow — monthly rent received minus EMI paid (positive = money in your pocket)

Cumulative Cashflow — total net cashflow added up from possession date to that year

RD — Recurring Deposit: a bank savings scheme with fixed monthly deposits

FD — Fixed Deposit: a bank savings instrument with a guaranteed return

Appreciation — annual increase in the market value of the property

Positive Cashflow — when monthly rent exceeds your monthly EMI payment