Property Appreciation Calculator

Q: What will my property be worth in 10 years?

Nobody knows. At an assumed 5% a year, {cur}75,00,000 would become {cur}1,22,16,710; try other rates to see the range.

How fast a property’s price has grown each year since you bought it, before and after inflation, or what today’s price becomes at a growth rate you assume.

Last updated 24 Sep 2026

Property appreciation

CurrencyPrices + years → growth rate or future price

What do you want to know?

Price today ($)A realistic sale price for this property now, from recent sales nearby, not an asking price.

Growth to assume (% a year)An assumption, not a forecast. Try a low and a high figure. Used for a projection only.

Years aheadUsed for a projection only.

Price you paid ($)Used for past appreciation only. The price itself, without stamp duty or registration.

Years since you boughtUsed for past appreciation only. Part years are fine: 6 months is 0.5.

Inflation (% a year)Defaults to your currency’s central-bank target (India 4%, US/UK/Euro/Canada 2%). Actual inflation often runs higher — try 5–6% for a cautious plan. For AED, SAR, PKR, BDT and MYR there is no official target: enter your own estimate.

$1,22,16,710Example

Price today $75,00,000, growing 5% a year for 10 years

Appreciation rate and projected price

CAGR = (price today ÷ price paid)^{1 ÷ years} − 1; future price = price today × (1 + g)^{years ahead}

CAGR: the steady yearly rate that turns the price paid into today’s price
g: the growth you assume, a year
real rate: (1 + rate) ÷ (1 + inflation) − 1

Worked example

Price today $75,00,000, growing 5% a year for 10 years
1.05¹⁰ = 1.62889
Future price = 75,00,000 × 1.62889 = $1,22,16,710
Gain $47,16,710; in today's money at 4% inflation the price is $82,53,171, a real growth of 0.96% a year
Past appreciation: bought at $40,00,000 8 years ago, now $75,00,000: (75 ÷ 40)^1/8 − 1 = 8.17% a year, 4.01% after 4% inflation

What 75,00,000 becomes at different growth rates

Steady yearly growth. An illustration of compounding, not a forecast for any property.
Growth	5 years	10 years	15 years	20 years
3% a year	$86,94,556	$1,00,79,373	$1,16,84,756	$1,35,45,834
5% a year	$95,72,112	$1,22,16,710	$1,55,91,961	$1,98,99,733
7% a year	$1,05,19,138	$1,47,53,635	$2,06,92,737	$2,90,22,633
9% a year	$1,15,39,680	$1,77,55,228	$2,73,18,618	$4,20,33,081

Measuring property appreciation honestly

A property bought for one price and worth more later has appreciated, and the fair way to express that is as a steady yearly rate, the compound annual growth rate. In the example, a home bought for $40,00,000 eight years ago and worth $75,00,000 today has grown 8.17% a year. That sounds better than it is: at 4% inflation, what you paid is $54,74,276 in today’s money, and the real growth is 4.01% a year.

What the rate leaves out. The price gain is not your return. Buying costs stamp duty, registration and often brokerage; owning costs maintenance, society charges and property tax; and a let property earns rent. The rental yield calculator measures the rent side, and the rent vs buy calculator weighs owning against renting. For the same growth arithmetic on any investment, use the CAGR calculator.

Projecting forward. Choose the first option to grow today’s price at a rate you pick. The page does not forecast: it compounds the rate you enter. Try a cautious and a hopeful figure, and look at the result in today’s money too.

Market indices. Official house price indices show how prices have moved on average. The Reserve Bank of India publishes a quarterly all-India House Price Index built from property registration data, now covering 18 cities on a 2022-23 base. The National Housing Bank publishes NHB RESIDEX, a quarterly index for 50 cities based on valuations collected from banks and housing finance companies. They are useful context, but an index is an average across many homes: your flat’s price can move quite differently, and a past rate, for the index or your own home, does not predict the next one. This is arithmetic on the figures you enter, not financial advice.

Frequently asked questions

How do I calculate property appreciation per year?

Divide today’s price by the price you paid, raise it to the power 1 ÷ years, and subtract 1. 75 lakh from 40 lakh over 8 years is 8.17% a year.

What will my property be worth in 10 years?

Nobody knows. At an assumed 5% a year, $75,00,000 would become $1,22,16,710; try other rates to see the range.

What is the real rate of property appreciation?

The growth after inflation: (1 + rate) ÷ (1 + inflation) − 1. 8.17% a year with 4% inflation is 4.01% real.

Where can I see official house price data for India?

The RBI’s quarterly all-India House Price Index, from registration data in 18 cities, and the National Housing Bank’s NHB RESIDEX for 50 cities. Both are averages, not the price of any one home.

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References

Reserve Bank of India. All-India House Price Index (HPI), quarterly, compiled from transaction data from registration authorities; new series on base 2022-23 = 100 covering 18 cities (released November 2025). https://www.rbi.org.in
National Housing Bank. NHB RESIDEX: quarterly house price indices for 50 cities, HPI at assessment prices from valuations by banks and housing finance companies; press release for Q3 FY 2025-26. https://www.nhb.org.in/wp-content/uploads/2026/03/National-Press-Release-RESIDEX-Dec25-DV002.pdf
Central-bank inflation targets used as default inflation by currency: Reserve Bank of India (4% CPI, flexible inflation targeting framework); U.S. Federal Reserve (2% PCE); European Central Bank (2%); Bank of England (2% CPI); Bank of Canada (2%); Reserve Bank of Australia (2–3%); Bangko Sentral ng Pilipinas (3% ± 1). Actual inflation often runs above target.