Gross yield, net yield and the bond test
Three numbers decide whether a rental property is working for you: gross yield, net yield and the spread over a safe bond. Here is how to work each out.
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Free resources: calculators, checkers and guides
One folder for everything free we publish for property buyers, sellers and investors, in India and abroad. Calculators that run in your browser, and short PDF guides built from official texts.
New this month
Rental yield and ROI calculator
Price, rent, costs, vacancy, growth and an optional loan in, gross and net yield, cash-on-cash and a 10-year return out, with bear, base and bull cases. Works in rupees, dirhams, dollars and more.
Free, with no sign-up. If you want your result sent to you, an optional form asks for your name and email, and our team follows up by hand.
Calculators and checkers 5 resources
Put your own numbers in. Everything runs in your browser.
Calculator New
Rental yield and ROI calculator
Price, rent, costs, vacancy, growth and an optional loan in, gross and net yield, cash-on-cash and a 10-year return out, with bear, base and bull cases. Works in rupees, dirhams, dollars and more.
OpenTool
Property Lab
Put properties side by side across countries. See net yield, spread over the local bond, cash flow with a loan, a 10-year projection, bull and bear cases, and what would flip the answer.
Open
Tool
NRI Total Cost Calculator
What does a purchase really cost on top of the price? Duty, registration, GST, brokerage, legal, FX and a month-by-month cash-outflow timeline. Every rate is an editable, flagged input.
Open
Tool
Rent vs Buy and Affordability
How much home can your income carry, and in which year does buying overtake renting? Move the sliders and watch the break-even year shift.
Open
Tool
RERA 5-Check
Five checks taken straight from the RERA Act, with a score and a printable checklist. Takes two minutes.
OpenGuides (PDF) 4 resources
Short, printable checklists built from official texts. Each asks for a name and an email.
Guide
The 5 RERA checks before you pay a token
Five checks, each tied to a section of the RERA Act, 2016, with what to ask for and what a red flag looks like.
OpenGuide
NRI property-buying roadmap for India
The order of operations from goal-setting to possession, with the questions to put to your lawyer and chartered accountant at each step.
Open
Guide
Dubai buyer checklist
What to check on the broker, the developer, the project, the contract and the running costs before you commit.
OpenGuide
Seller's checklist
Documents to gather, how to price on evidence, how to choose a licensed broker and what to put in writing.
OpenMore on the way
New folders open as we finish them
We add a resource only when we can show its working or source it to an official text, and date it. Ideas we are considering, with no release date promised:
- A document checklist for NRI buyers
- A rent-versus-sell worked example
- A Dubai versus Mumbai cost comparison template
Leave your email and we send one short note when something new is published. Nothing else.
How these are made
What you can rely on, and what you cannot
- Calculators show their working and flag every starting number that still needs checking as To be verified.
- Guides are built from official texts and name their sources and the date they were checked.
- Nothing here is a listing, an offer, tax, legal or investment advice, and no resource promises a return.
- Holdengard does not currently hold a real-estate broker licence or a RERA registration in any country. It is an information and lead-introduction service, and it does not arrange, negotiate or take a fee for any property transaction.
- We never ask for passport, Aadhaar, PAN or other ID numbers.
Are all the resources free?
Yes. The calculators and tools need no sign-up. The four PDF guides ask for a name and an email before the download opens. Nothing here costs money.
What is the difference between a tool and a resource?
How current is the information?
Each page shows who wrote it and when it was last updated. This folder was last updated on 27 October 2026. Rates, rules and fees change, so check every figure with the official source before you act.
Can a resource tell me what to buy?
No. They show the arithmetic and the official checks so you can ask better questions. They do not recommend a property, an agent or a transaction.
From the Insights
Read more on this topic
Yield vs return: a Property Lab worked example
A worked example in the Property Lab: why a 3% rent yield, a home loan and a 10-year hold give very different results, and what would flip the verdict.
How Holdengard works, and what we are not
We share knowledge, build tools and run a community. We are not a broker, not a listing portal and not yet licensed anywhere. Here is the plain version.
From the Insights
Read more on this topic
Gross yield, net yield and the bond test
Three numbers decide whether a rental property is working for you: gross yield, net yield and the spread over a safe bond. Here is how to work each out.
Yield vs return: a Property Lab worked example
A worked example in the Property Lab: why a 3% rent yield, a home loan and a 10-year hold give very different results, and what would flip the verdict.
How Holdengard works, and what we are not
We share knowledge, build tools and run a community. We are not a broker, not a listing portal and not yet licensed anywhere. Here is the plain version.