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Property appreciation calculator
Work out how fast a plot or house has gained value: the gain in rupees and percent, the yearly growth rate (CAGR) from the month you bought it to now, and whether it beat inflation, measured with Pakistan's consumer price index back to 1992.
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Calculator
Work out the growth
Give what you paid and when, and what it is worth now. Add what buying and any building cost to see your own return.
How fast it grew
- Gain
- Rs 60 lakh240% of what you paid
- After inflation
- 1.19% a yearPrices rose 11.04% a year
- In today's rupees
- Rs 75.05 lakhWhat you paid, in September 2026 money
- Above inflation
- Rs 9.95 lakhGained beyond keeping pace
The working
- Price paidMarch 2016
- Rs 25 lakh
- Worth nowSeptember 2026
- Rs 85 lakh
- GrewIn 10 years 6 months
- 3.4 times
- Prices in general rosePakistan's consumer price index
- 200.2%
- Yearly growth rate
- 12.36%
It beat inflation by 1.19% a year: in September 2026 rupees it is worth Rs 9.95 lakh more than you paid.
August 2026 is the latest month published: prices after it are carried forward at the latest yearly rise, 11.15%, so the rate after inflation is an estimate.
Inflation from the Pakistan Bureau of Statistics' consumer price index, to August 2026 (checked September 2026). A value is an estimate until the property sells, and a sale costs commission and tax.
Reference
Consumer prices in Pakistan, year by year
The average of each fiscal year's consumer prices (July to June), on one scale where 2015-16 = 100, and what Rs 1 lakh of that year's prices comes to in 2025-26 prices.
| Fiscal year | Prices (2015-16 = 100) | Rise that year | Rs 1 lakh then, in 2025-26 prices |
|---|---|---|---|
| 2025-26 | 282.62 | 7.05% | Rs 1 lakh |
| 2024-25 | 264.01 | 4.49% | Rs 1.07 lakh |
| 2023-24 | 252.66 | 23.41% | Rs 1.12 lakh |
| 2022-23 | 204.73 | 29.18% | Rs 1.38 lakh |
| 2021-22 | 158.48 | 12.15% | Rs 1.78 lakh |
| 2020-21 | 141.31 | 8.9% | Rs 2 lakh |
| 2019-20 | 129.76 | 10.74% | Rs 2.18 lakh |
| 2018-19 | 117.18 | 6.8% | Rs 2.41 lakh |
| 2017-18 | 109.72 | 4.68% | Rs 2.58 lakh |
| 2016-17 | 104.81 | 4.81% | Rs 2.7 lakh |
| 2015-16 | 100.00 | 2.86% | Rs 2.83 lakh |
| 2014-15 | 97.22 | 4.53% | Rs 2.91 lakh |
| 2013-14 | 93.01 | 8.62% | Rs 3.04 lakh |
| 2012-13 | 85.63 | 7.36% | Rs 3.3 lakh |
| 2011-12 | 79.76 | 11.01% | Rs 3.54 lakh |
| 2010-11 | 71.85 | 13.66% | Rs 3.93 lakh |
| 2009-10 | 63.22 | 10.1% | Rs 4.47 lakh |
| 2008-09 | 57.42 | 17.03% | Rs 4.92 lakh |
| 2007-08 | 49.06 | 12% | Rs 5.76 lakh |
| 2006-07 | 43.80 | 7.77% | Rs 6.45 lakh |
| 2005-06 | 40.65 | 7.92% | Rs 6.95 lakh |
| 2004-05 | 37.66 | 9.27% | Rs 7.5 lakh |
| 2003-04 | 34.47 | 4.57% | Rs 8.2 lakh |
| 2002-03 | 32.96 | 3.1% | Rs 8.57 lakh |
| 2001-02 | 31.97 | 3.54% | Rs 8.84 lakh |
| 2000-01 | 30.88 | 4.41% | Rs 9.15 lakh |
| 1999-00 | 29.57 | 3.59% | Rs 9.56 lakh |
| 1998-99 | 28.55 | 5.73% | Rs 9.9 lakh |
| 1997-98 | 27.00 | 7.82% | Rs 10.47 lakh |
| 1996-97 | 25.04 | 11.8% | Rs 11.28 lakh |
| 1995-96 | 22.40 | 10.8% | Rs 12.62 lakh |
| 1994-95 | 20.22 | 13.01% | Rs 13.98 lakh |
| 1993-94 | 17.89 | 11.27% | Rs 15.8 lakh |
| 1992-93 | 16.08 | 9.83% | Rs 17.58 lakh |
| 1991-92 | 14.64 | 10.58% | Rs 19.31 lakh |
Pakistan Bureau of Statistics, national CPI from 2016-17 and urban CPI before it, linked at 2007-08 and 2015-16. Sources: Pakistan Economic Survey 2011-12 and 2025-26, chapter on inflation, and PBS's monthly price reviews to August 2026. Where PBS rebased, each year keeps the rise of the newer base, so 2008-09 shows 17.03% rather than the 20.77% first published.
How it is worked out
From the price paid to the real rate
The gain is what the property is worth now less everything paid for it: the price, the taxes and fees on buying, and any building or other work that added to it. For the example, a plot bought for Rs 25 lakh in March 2016 and worth Rs 85 lakh in September 2026, the gain is Rs 60 lakh, 240% of what was paid.
A percentage over ten years says little on its own, so the calculator turns it into a yearly rate, the compound annual growth rate: CAGR = (value now ÷ what was paid) ^ (1 ÷ years held) - 1. The example grew 3.4 times in 10.5 years, which is 12.36% a year: a steady 12.36%, each year's growth added to the last, turns Rs 25 lakh into Rs 85 lakh in that time. Dividing the 240% by the years instead, 22.9% a year, overstates it, because it ignores that compounding.
Prices in general rose too. Pakistan's consumer price index rose 200.2% from March 2016 to September 2026, 11.04% a year, so the Rs 25 lakh paid is Rs 75.05 lakh in September 2026 rupees. The real rate takes that out: (1 + 12.36%) ÷ (1 + 11.04%) - 1 = 1.19% a year, and the gain above inflation is Rs 9.95 lakh.
The index is the Pakistan Bureau of Statistics' consumer price index, linked across its three base years (2000-01, 2007-08 and 2015-16) into one series. From July 2017 the calculator reads PBS's figure for each month. Before that it has each fiscal year's average, which it takes as the level in the middle of that year, with prices rising at a steady rate in between. For months after August 2026 it carries the index forward at the latest yearly rise, 11.15%, and marks the answer as an estimate. For a purchase before 1992, or to use a figure of your own, type an average inflation rate instead.
Terms
Words used here
- CAGR
- Compound annual growth rate: the one steady yearly rate that turns what was paid into what the property is worth, each year's growth building on the last.
- Real rate
- The growth rate after inflation. A property whose value rose exactly as fast as prices in general has a real rate of nothing: it kept its value but gained none.
- Consumer price index (CPI)
- The Pakistan Bureau of Statistics' measure of what a fixed basket of household goods and services costs each month. Its rise over a year is the inflation rate the SBP and the news quote.
- Fiscal year
- Pakistan's financial year, 1 July to 30 June, written 2025-26 for the year that ends in June 2026.
- Cost basis
- Everything paid for a property: the price, the taxes and fees on buying, and later work that added to it. The gain, and the tax on a sale, are worked out on it.
Questions
Appreciation questions
Still have a question?
Ask our team during Pakistan business hours, in English or Urdu.
+92 333 2466662Chat on WhatsAppHow do I calculate how much my property's value has increased?
Take what it is worth now, less everything you paid for it: the price, the taxes and fees on buying, and any building or improvements. Divide that gain by what you paid for the percentage. A plot bought for Rs 25 lakh in March 2016 and worth Rs 85 lakh in September 2026 has gained Rs 60 lakh, 240%. The calculator also turns that into a yearly rate and takes inflation out of it.
How is CAGR worked out for a property?
CAGR = (value now ÷ what was paid) ^ (1 ÷ years held) - 1, with the years counted in months: 126 months is 10.5 years. For the example, (8,500,000 ÷ 2,500,000) ^ (1 ÷ 10.5) - 1 = 12.36% a year. It is lower than the simple average of 22.9%, because each year's growth builds on the last.
What is the average appreciation rate of plots in Pakistan?
There is no official index of plot prices, and rates differ widely between cities, schemes and even blocks. What is measured is inflation: prices in general rose 10.95% a year on average over the ten years to 2025-26 and 10.18% a year over twenty. A plot that grew slower than that lost value in real terms, however much its price rose. Put your own purchase in the calculator to see its real rate.
Did my property beat inflation?
Compare its yearly growth rate with inflation over the same months. The example plot grew 12.36% a year while prices rose 11.04% a year, so its real rate is 1.19% a year: the Rs 25 lakh paid in March 2016 is Rs 75.05 lakh in September 2026 rupees, and the plot is worth Rs 9.95 lakh more than that.
Should I include buying costs and construction in the calculation?
Yes, to see what your money earned. With Rs 1.5 lakh of taxes and fees and Rs 3.5 lakh spent on a boundary wall and filling, the example's Rs 85 lakh is 2.83 times the Rs 30 lakh paid: 10.43% a year, 0.55% a year behind inflation. The price alone still grew 12.36% a year, which is the figure to compare with other plots in the same area.
How does a property's growth compare with National Savings?
Ten-year Defence Savings Certificates paid 11.61% a year from 4 September 2026, about 10.44% after the 15% tax on profit. A plot earns nothing while it stands, so its growth alone has to beat that; a house or flat that is let also earns rent, which the rental yield calculator adds in. A sale costs commission and tax too, so compare after those.
Is tax due on the gain when I sell?
For a filer, capital gains tax on property bought on or after 1 July 2024 is 15% of the gain, however long it is held. Property bought before then is taxed by how long it was held: nothing on a plot held more than 6 years, a house more than 4 or a flat more than 2. The seller also pays 2.75% advance tax on the price, which counts against the tax due. The property tax calculator works out your case; confirm it with the FBR or a tax adviser.
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