📈 Investment Tool

Property ROI Calculator

Calculate your total return on property investment including capital appreciation, rental income, and leverage effects. Compare property performance to other African investment options.

🏡 Property Investment Details
Transfer duty, legal, agent fees
Your actual cash outlay (incl. buying costs)
📈 Performance Assumptions
SA historical avg: 5–8%/year
Leave 0 for flip/owner-occupied
Total yearly property costs
Total yearly bond payments (0 if cash purchase)
SA: 5–7.5%, KE: 1.5–3%, NG: 5–10%
SA: 18% effective for individuals. NG, KE: varies.
Total ROI
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Over holding period
Annualised Return (IRR)
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Per year on cash invested
Capital Gain
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Total Rental Income
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Net Profit
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Exit Value
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Cash-on-Cash ROI
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Remaining Mortgage
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📊 Year-by-Year Breakdown
Year Property Value Net Rental Cumul. Net Income Total Return ROI %
⚖️ Compare vs. Other African Investments
🤖 AfroTools AI Insight

📊 Typical African Property Returns

🇳🇬 Lagos (buy-to-let)15–25% p.a.
🇰🇪 Nairobi (mid-income)10–18% p.a.
🇿🇦 Cape Town (rental)8–14% p.a.
🇬🇭 Accra (furnished)12–22% p.a.
🇪🇬 Cairo (new units)15–25% p.a.

Figures include capital appreciation + rental income. Historical data 2015–2024. Past performance ≠ future results.

❓ Common Questions

What's a good property ROI in Africa? +
Total returns (capital gain + rental) of 12–20% per year are achievable in high-growth African markets. In more mature markets like Cape Town, 8–12% is solid. Compare against fixed deposits (8–20% in most African countries) and stock market returns (varies widely).
Does leverage improve ROI? +
Yes — significantly. If you put 20% down on a property that appreciates 10%, your actual return on cash invested is ~50% (10% gain on 100% of the asset value, but only 20% was your money). This is why property can outperform cash investments in rising markets.
Is African property a good investment? +
Africa has some of the fastest-growing property markets globally, driven by rapid urbanisation, a young population, and housing shortages. Key risks include currency depreciation, illiquidity, and tenant risk. Nairobi, Lagos, Accra and Cairo have delivered strong returns over the past decade.
What about capital gains tax? +
South Africa: 18% effective CGT for individuals on profit above R2M exclusion. Nigeria: 10% CGT on gains from property sales. Kenya: 15% CGT effective 2023. Morocco: 20% CGT, reduces over time (5%+ years). Ghana: 15% withholding on gains. Always consult a local tax advisor.