IRR (Internal Rate of Return) is the annualized return on your total investment including purchase, rental income, and sale proceeds. NPV (Net Present Value) tells you how much value the deal creates above your minimum required return. If NPV > 0, the deal beats your benchmark. These are the two most important metrics in professional real estate analysis.
Property & Purchase
Income & Exit Assumptions
Return Metrics
Capital Structure
Exit Analysis
Year-by-Year Cash Flow
| Yr | Gross Rent | Net Rent | EMI | Net Cash Flow | Property Value | Loan Balance | Equity |
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XIRR calculates IRR for irregular, real-world cash flows — construction-linked payment plans, tranche disbursements, rental top-ups, or any investment where payments happen on specific dates, not neatly every year. This is what professionals use when a deal doesn't fit a simple annual model. Enter your actual dates and amounts.
Cash Flow Entries
Outflows (payments made) = negative. Inflows (rent received, sale proceeds) = positive. Must have at least one negative and one positive.
XIRR Result
Enter at least 2 cash flows to calculate.
How to Use XIRR
Booking advance: Enter as negative on booking date
Construction payments: Each tranche as negative on payment date
Rental income: Monthly/annual inflows as positive
Sale proceeds: Final positive on exit date (after loan repayment)
Good XIRR: >15% for residential, >18% for commercial
XIRR vs IRR: XIRR is more accurate for real deals because it accounts for exact timing
Construction Finance Calculator — for developers raising debt to fund a project, and for investors evaluating a developer's financial structure. Models the complete construction loan: drawdown schedule, interest during construction (IDC), total project cost, and post-completion profitability. This is what NBFCs and PE funds analyze before lending.
Project Parameters
Debt Structure
Project Economics
Cost Breakdown
Lender Metrics
Construction Drawdown Schedule
| Phase | % Drawn | Amount | Cumulative Interest | Collection (Pre-sales) |
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Return on Equity (ROE) measures what you actually earn on the cash you put in — not on the full property value. Because of leverage, ROE is almost always higher than the property's appreciation rate. This calculator also shows Cash-on-Cash Return (annual rental income vs equity deployed) and the Equity Build-up from loan repayment compounding your ownership.
Investment Inputs
Income & Growth
Return on Equity Summary
Equity Build-up Over Time
| Year | Property Value | Loan Balance | Your Equity | CoC Return | Equity ROE |
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Leverage Effect
Loan-to-Value (LTV) is what % of the property value is financed by debt. Debt Yield is the NOI (Net Operating Income) divided by loan amount — the most important metric for lenders because it's independent of interest rates. DSCR (Debt Service Coverage Ratio) tells you how comfortably rental income covers your EMI. These three metrics are what any NBFC or bank will calculate before approving your loan.
Property & Income
Loan Details
Lender Benchmarks
Key Lending Metrics
Loan Eligibility vs Constraints
What Lenders Actually Look For
EMI Calculator — complete home loan analysis including total interest cost, amortization schedule, prepayment impact, and effective annual cost. Also calculates the true cost of borrowing including processing fees, insurance, and other charges that banks don't show upfront.
Loan Details
Prepayment Analysis
EMI Breakdown
Prepayment Impact
Amortization (First 10 Years)
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance | % Paid Off |
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