About the RE Portfolio Tracker
What is the RE Portfolio Tracker?
Owning property means keeping an eye on more than the price. This real estate portfolio tracker shows your equity, the net income the property earns, its total return over the next year and how leveraged it is.
Enter the current value, yearly rent and expenses, the outstanding loan and your expected appreciation.
How to use the RE Portfolio Tracker
- Property Value (INR) (sample: 85,00,000)
- Annual Rent (INR) (sample: 3,60,000)
- Annual Expenses (INR) (sample: 90,000)
- Outstanding Loan (INR) (sample: 42,00,000)
- Annual Appreciation (%) (sample: 6)
- Press Track Property Returns (results also refresh as you type). The result card shows the Net Equity, along with Rental Yield, 1-Year Return and Loan-to-Value.
Formula used
Net equity = Value − Loan; Net yield = (Rent − Expenses) ÷ Value; 1-year return = Rent − Expenses + Value × Appreciation
- Loan-to-value = outstanding loan ÷ property value × 100
Returns are before tax and before loan interest.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Property Value (INR) | 85,00,000 |
| Annual Rent (INR) | 3,60,000 |
| Annual Expenses (INR) | 90,000 |
| Outstanding Loan (INR) | 42,00,000 |
| Annual Appreciation (%) | 6 |
| Result | Value |
|---|---|
| Net Equity | ₹43,00,000 |
| Rental Yield | 3.18% |
| 1-Year Return | ₹7,80,000 |
| Loan-to-Value | 49.41% |
Tips for using the RE Portfolio Tracker
- An LTV below 50% leaves a comfortable buffer if prices fall.
- Review yields every year; rising expenses can erode rental income quietly.