Free · No Sign-up · India-Focused

Make smarter property
decisions with numbers.

6 free calculators for Indian real estate buyers and investors. From a 3-input return estimate to a full 20-year cashflow model — everything in one place.

All Tools

Six calculators.
Every angle covered.

01
Quick Return Estimator
Just 3 inputs — purchase price, selling price, holding period. Get your CAGR and profit in seconds. Perfect for an instant gut-check on any deal.
CAGR ROE Profit
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02
Payment Plan Comparison
Builder offering 3 payment options? Enter each schedule and we show which plan costs least in today's money using Present Value analysis.
Present Value Tranches Plans
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03
Equity vs Loan Analyser
Decide how much to pay from savings vs home loan. Get your actual XIRR — accounting for exact payment dates, interest, and net sale proceeds.
XIRR Home Loan Interest
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04
Rental Income Planner
Full month-by-month cashflow model. See when rent starts covering your EMI, how the loan gets paid off, and what your property is worth at the end.
EMI Cashflow 20-Year Model
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05
Loan Leverage Optimiser
How much should you borrow? This tool shows every equity percentage from 15% to 100% and tells you exactly when rent covers your costs at each level.
Leverage Loan % Rent Cover
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06
Market Stress Test
What happens if rent drops 20% and interest rates rise 2%? Test your deal against 9 combined scenarios before committing. Know the worst case.
Scenarios Risk Vacancy
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From the Blog

Popular reads

Beginner Guide

CAGR vs XIRR — Which Return Metric Actually Matters for Real Estate?

Most calculators only show CAGR. Here's why XIRR is the only number that truly reflects your return when buying under-construction property in India.

Read Article →
Strategy

How Much Loan Should You Take? The Leverage Sweet Spot Explained

Taking less loan feels safe. Taking more loan amplifies returns. The truth is somewhere in between — and the math tells you exactly where.

Read Article →
Cashflow

When Will Your Rent Actually Cover Your EMI? A City-by-City Reality Check

Rental yields in India are low. We modelled Mumbai, Bangalore, Hyderabad and Pune to show you the honest timeline to cashflow-positive investing.

Read Article →
FAQ

Got Questions?

Everything you need to know about BrickLogic. Can't find your answer? Just reach out.

How It Works
BrickLogic is a free financial calculator built specifically for Indian real estate buyers and investors. You get 6 tools in one place — from a quick 3-input return estimate all the way to full 20-year cashflow modelling. Think of it as a second opinion before you sign anything.
Start with Quick Return Estimator — just 3 inputs (purchase price, selling price, holding period) and you get an instant return estimate. If the numbers look interesting, go deeper with Equity vs Loan Analyser or Rental Income Planner.
Quick Return Estimator — fast gut-check on any deal.
Payment Plan Comparison — put 3 developer payment plans side by side, Present Value picks the cheapest.
Equity vs Loan Analyser — split your money vs bank loan, get true XIRR.
Rental Income Planner — month-by-month cashflow, see when rent beats your EMI.
Loan Leverage Optimiser — find the loan % that maximises returns.
Market Stress Test — simulate bad market conditions, see if your deal survives.
No. No sign-up, no login, no email required. Open the site, start calculating. Your data stays in your browser and never goes to any server.
Pricing
Yes, completely free. All 6 tools, no limits, no hidden charges. We built this because good property analysis tools in India are either locked behind paywalls or too complicated for regular buyers. BrickLogic stays free.
No ads, no sponsored results, no affiliate links. When BrickLogic says a deal is good or bad, it's purely based on your numbers — not because someone paid us to say so.
Accuracy of Calculations
The calculations are mathematically accurate based on the numbers you enter. XIRR, CAGR, Present Value, EMI — all standard financial formulas. The accuracy of the output depends entirely on the accuracy of your inputs. Garbage in, garbage out — as they say.
CAGR assumes you paid the full price on day one and sold at the end. Simple and fast. XIRR accounts for the actual dates and amounts of each tranche payment — much more accurate for under-construction properties where you pay in stages over years. Always use XIRR for UC properties.
Some tools let you include these costs in your inputs manually. We recommend adding stamp duty (4–6% depending on your state), registration charges (1%), and GST (5% for under-construction, nil for ready-to-move) to your purchase price for a realistic picture.

Quick Return Estimator

The fastest way to evaluate any property deal — just 3 inputs. Fill in your numbers and click Calculate.

Your Inputs

Your Results

Absolute Profit
—
Simple Return on Equity
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Annualised CAGR
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Holding Period
—
Terms Used on This Page
ROE — Return on Equity: profit as a % of money you put in
CAGR — Compound Annual Growth Rate: your annualised % return each year
Holding Period — number of years from purchase to sale
Absolute Profit — simple difference: selling price minus purchase price

Payment Plan Comparison

Enter the property details once, then set each plan's payment schedule. We use Present Value to show which plan truly costs least in today's money.

Property Details — Common to All Plans

Terms Used on This Page
PV — Present Value: what a future payment is worth in today's money
Discount Rate — the interest rate used to convert future payments to today's value
Tranche — a scheduled portion of the total price paid on a specific date
Equity — money you pay from your own savings (not a bank loan)
Loan — amount financed by the bank; interest applies from disbursement to possession
Possession Date — the date you physically receive the property from the developer

Equity vs Loan Analyser

Mark each tranche as Equity (your own money) or Loan (bank), fill in loan details and selling price, then click Calculate.

Loan and Sale Details

Results

Total Equity Invested
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Total Loan Amount
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Estimated Total Interest
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Net Sale Proceeds
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Equity XIRR (approx)
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Property XIRR (approx)
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Simple Property Return
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Simple Equity Return
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Tranche Funding Allocation

Mark each payment as Equity (your own savings) or Loan (bank financing). Then click Calculate above.

#DateAmount (₹)Funded By
Terms Used on This Page
XIRR — Extended Internal Rate of Return: the true annualised return accounting for exact cashflow dates
Equity — money you invest from your own savings, not borrowed
Loan / Debt — money borrowed from a bank; you pay interest on this
Net Sale Proceeds — selling price minus loan repayment minus total interest paid
Simple Return — total profit divided by total investment (not adjusted for time)
Tranche — a single scheduled payment instalment to the developer

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

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

YearPeriod StartAnnual 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

Loan Leverage Optimiser

Find the equity percentage sweet spot. Fill inputs then click Calculate to see the full table.

Inputs

Equity % vs Returns Table

Equity %Equity Amount (₹)Loan Amount (₹) Monthly Interest (₹)Rent / Interest Ratio Monthly EMI (₹)Rent / EMI Ratio Months until Rent > InterestMonths until Rent > EMI Net Monthly Outflow (₹)
● Rent already covers from Day 1 ● Rent covers within 2 years ● Takes more than 2 years
Terms Used on This Page
Equity % — the share of property cost you pay from your own savings
Loan Amount — remaining cost financed by the bank (100% minus Equity %)
Monthly Interest — interest-only portion of the loan in the first month
EMI — Equated Monthly Instalment: fixed monthly repayment including principal + interest
Rent / Interest Ratio — how many times rent covers the monthly interest (above 1 = covers)
Net Monthly Outflow — EMI minus rent (negative means rent exceeds EMI — positive cashflow)
Leverage — using borrowed money to increase your purchasing power and potential return

Market Stress Test

What if the market turns? Test your property deal against crisis scenarios — low rent, rising rates, high vacancy. Know before you buy.

Scenario Preset

Core Inputs

Terms Used on This Page
Stress Test — simulating worst-case conditions to see if the deal still makes sense
Vacancy Rate — percentage of the year the property sits empty with no rental income
Rent Shock — a sudden drop in rent (e.g. -10% or -20%) due to market conditions
Rate Shock — a sudden rise in loan interest rate (e.g. +1% or +2%) by the bank
Net Monthly Outflow — how much extra money you need each month beyond what rent covers
EMI — Equated Monthly Instalment: your fixed monthly loan repayment to the bank
Base Scenario — the realistic, most likely market conditions used as starting assumption
Conservative Scenario — assumes slower growth, higher vacancy, more costs — a cautious view