- Rent after vacancy provision
- ₹32,200
- Monthly holding costs
- ₹6,750
- Net income before EMI
- ₹25,450
- EMI coverage by rent
- 91%
- Annual cash position
- -₹30,600
- Annual amount funded from savings
- ₹30,600
Visual summary
- Rent received₹32,200
- EMI₹28,000
- Holding costs₹6,750
What this suggests
- The property is currently cash negative. That can still be acceptable if there is a clear reason, but it should be a decision rather than a surprise.
- Where multiple properties are held, assess each separately before looking at the portfolio position.
This calculator provides an indicative estimate for educational purposes only. Actual outcomes depend on your financial circumstances, applicable laws, market conditions and professional advice.
Assumptions
What this tool assumes
- Annual costs are converted to a monthly average.
- Vacancy is provisioned monthly rather than as a lump event.
- Tax treatment of rental income is not modelled.
Take it further
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