Commercial Property Calculator — Rent vs Buy & Investment
Analyse commercial real estate in India — offices, shops, and warehouses. Compare leasing vs buying, or run it as an investment to see rental yield, cash flow, and return on cash. Commercial stamp duty, brokerage, and loan rates differ from residential, so enter your own figures below.
Key outputs
On a ₹2,00,00,000 property in your city, the gross rental yield is 7.8% and monthly cash flow is ₹8,505 (positive before other costs). You need ₹78,00,000 upfront, and it turns net-positive on sale around year 2.
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30-year projection
Full year-by-year projection
| Year | Property value | Annual rent | Annual EMI | Outstanding loan | Home equity | Net (rent − EMI) | Cumulative net cash | Net gain if sold |
|---|---|---|---|---|---|---|---|---|
| 1 | ₹2,14,00,000 | ₹15,60,000 | ₹14,57,943 | ₹1,37,21,368 | ₹76,78,632 | ₹1,02,057 | ₹1,02,057 | -₹4,47,311 |
| 2 | ₹2,28,98,000 | ₹16,38,000 | ₹14,57,943 | ₹1,34,18,107 | ₹94,79,893 | ₹1,80,057 | ₹2,82,114 | ₹15,04,047 |
| 3 | ₹2,45,00,860 | ₹17,19,900 | ₹14,57,943 | ₹1,30,88,041 | ₹1,14,12,819 | ₹2,61,957 | ₹5,44,071 | ₹36,66,873 |
| 4 | ₹2,62,15,920 | ₹18,05,895 | ₹14,57,943 | ₹1,27,28,800 | ₹1,34,87,120 | ₹3,47,952 | ₹8,92,023 | ₹60,54,824 |
| 5 | ₹2,80,51,035 | ₹18,96,190 | ₹14,57,943 | ₹1,23,37,806 | ₹1,57,13,229 | ₹4,38,247 | ₹13,30,270 | ₹86,82,478 |
| 6 | ₹3,00,14,607 | ₹19,90,999 | ₹14,57,943 | ₹1,19,12,251 | ₹1,81,02,356 | ₹5,33,056 | ₹18,63,326 | ₹1,15,65,390 |
| 7 | ₹3,21,15,630 | ₹20,90,549 | ₹14,57,943 | ₹1,14,49,081 | ₹2,06,66,549 | ₹6,32,606 | ₹24,95,932 | ₹1,47,20,168 |
| 8 | ₹3,43,63,724 | ₹21,95,077 | ₹14,57,943 | ₹1,09,44,970 | ₹2,34,18,753 | ₹7,37,134 | ₹32,33,066 | ₹1,81,64,544 |
| 9 | ₹3,67,69,184 | ₹23,04,830 | ₹14,57,943 | ₹1,03,96,301 | ₹2,63,72,883 | ₹8,46,887 | ₹40,79,953 | ₹2,19,17,452 |
| 10 | ₹3,93,43,027 | ₹24,20,072 | ₹14,57,943 | ₹97,99,135 | ₹2,95,43,892 | ₹9,62,129 | ₹50,42,082 | ₹2,59,99,113 |
| 11 | ₹4,20,97,039 | ₹25,41,076 | ₹14,57,943 | ₹91,49,185 | ₹3,29,47,854 | ₹10,83,133 | ₹61,25,215 | ₹3,04,31,128 |
| 12 | ₹4,50,43,832 | ₹26,68,129 | ₹14,57,943 | ₹84,41,785 | ₹3,66,02,047 | ₹12,10,186 | ₹73,35,401 | ₹3,52,36,571 |
| 13 | ₹4,81,96,900 | ₹28,01,536 | ₹14,57,943 | ₹76,71,857 | ₹4,05,25,043 | ₹13,43,593 | ₹86,78,994 | ₹4,04,40,099 |
| 14 | ₹5,15,70,683 | ₹29,41,613 | ₹14,57,943 | ₹68,33,875 | ₹4,47,36,808 | ₹14,83,670 | ₹1,01,62,663 | ₹4,60,68,058 |
| 15 | ₹5,51,80,631 | ₹30,88,693 | ₹14,57,943 | ₹59,21,822 | ₹4,92,58,809 | ₹16,30,750 | ₹1,17,93,414 | ₹5,21,48,610 |
| 16 | ₹5,90,43,275 | ₹32,43,128 | ₹14,57,943 | ₹49,29,153 | ₹5,41,14,122 | ₹17,85,185 | ₹1,35,78,599 | ₹5,87,11,855 |
| 17 | ₹6,31,76,304 | ₹34,05,284 | ₹14,57,943 | ₹38,48,740 | ₹5,93,27,564 | ₹19,47,341 | ₹1,55,25,940 | ₹6,57,89,978 |
| 18 | ₹6,75,98,646 | ₹35,75,549 | ₹14,57,943 | ₹26,72,829 | ₹6,49,25,816 | ₹21,17,606 | ₹1,76,43,546 | ₹7,34,17,389 |
| 19 | ₹7,23,30,551 | ₹37,54,326 | ₹14,57,943 | ₹13,92,978 | ₹7,09,37,573 | ₹22,96,383 | ₹1,99,39,928 | ₹8,16,30,890 |
| 20 | ₹7,73,93,689 | ₹39,42,042 | ₹14,57,943 | ₹0 | ₹7,73,93,689 | ₹24,84,099 | ₹2,24,24,028 | ₹9,04,69,843 |
| 21 | ₹8,28,11,247 | ₹41,39,144 | ₹0 | ₹0 | ₹8,28,11,247 | ₹41,39,144 | ₹2,65,63,172 | ₹9,99,18,195 |
| 22 | ₹8,86,08,035 | ₹43,46,102 | ₹0 | ₹0 | ₹8,86,08,035 | ₹43,46,102 | ₹3,09,09,274 | ₹10,99,45,148 |
| 23 | ₹9,48,10,597 | ₹45,63,407 | ₹0 | ₹0 | ₹9,48,10,597 | ₹45,63,407 | ₹3,54,72,681 | ₹12,05,87,066 |
| 24 | ₹10,14,47,339 | ₹47,91,577 | ₹0 | ₹0 | ₹10,14,47,339 | ₹47,91,577 | ₹4,02,64,258 | ₹13,18,82,650 |
| 25 | ₹10,85,48,653 | ₹50,31,156 | ₹0 | ₹0 | ₹10,85,48,653 | ₹50,31,156 | ₹4,52,95,414 | ₹14,38,73,093 |
| 26 | ₹11,61,47,058 | ₹52,82,714 | ₹0 | ₹0 | ₹11,61,47,058 | ₹52,82,714 | ₹5,05,78,127 | ₹15,66,02,245 |
| 27 | ₹12,42,77,353 | ₹55,46,849 | ₹0 | ₹0 | ₹12,42,77,353 | ₹55,46,849 | ₹5,61,24,977 | ₹17,01,16,782 |
| 28 | ₹13,29,76,767 | ₹58,24,192 | ₹0 | ₹0 | ₹13,29,76,767 | ₹58,24,192 | ₹6,19,49,168 | ₹18,44,66,400 |
| 29 | ₹14,22,85,141 | ₹61,15,401 | ₹0 | ₹0 | ₹14,22,85,141 | ₹61,15,401 | ₹6,80,64,570 | ₹19,97,04,008 |
| 30 | ₹15,22,45,101 | ₹64,21,172 | ₹0 | ₹0 | ₹15,22,45,101 | ₹64,21,172 | ₹7,44,85,741 | ₹21,58,85,940 |
Commercial property FAQs
How is a commercial property investment different from residential?
Commercial real estate (offices, shops, warehouses) typically offers a higher gross rental yield than residential, but comes with longer vacancy risk, tenant/lease dependence, and different tax treatment. Use Investment mode to see the yield, cash flow, and return on cash for your numbers.
What costs apply when buying a commercial property in India?
Stamp duty and registration (which vary by state and can differ from residential rates), brokerage (often higher for commercial), GST on under-construction commercial property, plus maintenance and, in many cases, higher loan interest rates. Enter your actual figures in the transaction-cost fields.
Should I rent (lease) or buy commercial space for my business?
Switch to Rent vs Buy mode and enter the monthly lease you would otherwise pay as the “rent”. The calculator compares that against the EMI plus upfront costs and shows your net position if you sell in any of the next 30 years.
How do I use this calculator for commercial property?
Enter your commercial property price and expected monthly rent/lease, then set the stamp duty, registration, and brokerage for your city and property type. All defaults are placeholders — commercial rates differ from residential, so replace them with your own verified figures.