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.
HomeTools
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Free property tools
Four tools you can play with. They run in your browser, your numbers stay with you, and every default is editable and honestly flagged.
Compare 2 to 4 properties
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.
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India or Dubai
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.
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From 30 lakh upwards
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.
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Before you pay a token
RERA 5-Check
Five checks taken straight from the RERA Act, with a score and a printable checklist. Takes two minutes.
OpenHow the tools behave
Built to be trusted
Private
The sums run in your browser. Nothing you type is sent to us. Saved comparisons stay on your device.
Editable and flagged
Every rate is an input. Where we have not checked a default against an official source, it says To be verified.
Shows its working
Verdicts are explained line by line, so you can disagree with the assumption, not just the answer.
Questions
Quick answers
Are the tools free, and do they store my numbers?
They are free. The sums run in your browser and nothing you type is sent to Holdengard. Saved comparisons stay on your device.
How accurate are the results?
They are only as good as the inputs. Every rate is editable, and where a default has not been checked against an official source it is marked to be verified. Results are not advice or a forecast.
Which tool should I use first?
Use the RERA 5-Check before paying a token on a new project, the NRI Total Cost Calculator to see the costs on top of the price, Rent vs Buy for affordability, and the Property Lab to compare 2 to 4 properties.
Can the tools tell me whether to buy a property?
No. They show the working behind a number so you can test assumptions. The decision, and the legal and tax checks, are yours to make with licensed professionals.
From the Insights
Read more on this topic
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.
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.