Property Comparison Tool (Side-by-Side)
Compare up to four properties side-by-side on price per ft², rental yield, EMI, and effective monthly cost. Free property comparison for NPR/INR/PKR.
Side-by-side comparison
| name | pricePerFt2 | grossYieldPct | netYieldPct | emi | effectiveMonthlyCost |
|---|---|---|---|---|---|
| Property A | NPR 8,333 | 3.60% | 3.00% | NPR 74,570 | NPR 49,570 |
| Property B | NPR 8,333 | 2.88% | 2.40% | NPR 93,213 | NPR 68,213 |
How this works
For each property we compute five metrics so you can compare on price, yield, financing, and running cost in one glance:
pricePerFt2 = price / area_ft2
grossYieldPct = (monthlyRent × 12) / price × 100
netYieldPct = (monthlyRent × 12 − annualExpenses) / price × 100
loanPrincipal = price × (1 − downPaymentPct/100)
emi = computeEmi(loanPrincipal, loanRatePct, loanMonths)
effectiveMonthlyCost = emi + annualExpenses/12 − monthlyRentEffective monthly cost subtracts the rent the property would earn, so a negative number means the rent more than covers EMI plus expenses (cash-flow positive).
EMI uses the same standard reducing-balance formula as our Mortgage / EMI Calculator, so a single property's EMI matches across both tools.
Worked example
Property A at NPR 1,00,00,000, 1,200 ft², monthly rent NPR 30,000, annual expenses NPR 60,000, 9.5% loan over 240 months with 20% down:
- Price / ft² ≈ NPR 8,333 / ft²
- Gross yield =
(30,000 × 12) / 1,00,00,000= 3.60% - Net yield ≈ 3.00% (after NPR 60,000/yr expenses)
- Loan principal = NPR 80,00,000, EMI ≈ NPR 74,571 / month
- Effective monthly cost ≈ 74,571 + 5,000 − 30,000 = NPR 49,571 / month
Add a second property with a different price-per-ft² or rent and compare which one offers a better cash-flow position over the same loan.
Sources
- Standard reducing-balance EMI formula (Equated Monthly Instalment)
FAQ
How is gross rental yield different from net rental yield?
Gross yield divides annual rent by the purchase price. Net yield subtracts the annual ownership expenses (property tax, maintenance, insurance, society dues) from annual rent before dividing. Gross yield is a fast comparator across listings; net yield is closer to what you actually keep, and is usually lower by 1 to 3 percentage points depending on local taxes and maintenance norms.
What is 'effective monthly cost' and why can it be negative?
Effective monthly cost is the monthly cash outflow after the rent the property would earn is netted off — EMI plus annualised expenses minus monthly rent. A positive value means owning the property would cost you that much each month over and above the rent it earns. A negative value means the rent more than covers EMI and expenses, so the property is cash-flow positive at the assumed rent and financing.
Why is the comparison capped at four properties?
Four columns is the upper bound that fits comfortably on a phone screen without horizontal scrolling, and it keeps the share-link URL short enough to paste into a chat or email. If you need to compare more than four properties, use the share link to save your top four, then run a second comparison with the next four.
How is the EMI calculated for each property?
We use the standard reducing-balance EMI formula: EMI = P × r × (1 + r)^n / ((1 + r)^n − 1), where P is the loan principal (price × (1 − downPayment%)), r is the monthly rate (annual rate / 12 / 100), and n is the loan tenure in months. The same formula is used by our Mortgage / EMI Calculator, so a single property's EMI matches across both tools.
Does the tool factor in property appreciation or capital gains?
No. The metrics shown are running-cost and yield comparisons at today's prices and rents. Appreciation, exit price, and capital gains tax are out of scope here — use our Property ROI Calculator and Capital Gains Tax Calculator for those scenarios. This keeps the side-by-side view focused on the day-one decision.
Why does the tool not perform any currency conversion?
The currency selector is a labelling change only. Numeric figures stay exactly the same — only the currency code in front of them changes. Enter every property's price, rent, and expenses in the same currency you actually plan to transact in. This calculator does not perform any FX conversion.