How Nidra calculates your wealth
Transparent math, inputs you control, honest numbers.
Compound growth, every second
Nidra doesn't use simple interest. It uses continuous compound growth — the same way real property appreciation works. Every day's gain builds on every previous day's gain, so the number grows slightly faster each morning.
The formula
Value = Anchor × (1 + rate) ^ (days ÷ 365.25)
- · Anchor — the value you entered (purchase price or current valuation)
- · rate — your appreciation rate (override, country average, or 8% fallback)
- · days — exact days elapsed since your anchor date, including today
Live example — Kandy Villa
Anchor value
Rs 15,000,000
Today's value
Rs 15,000,000
Day 1 gain ≈ Rs 4,658. Day 365 gain ≈ Rs 5,216. The daily number grows each morning because it compounds on yesterday's gains too.
Your appreciation rate — 3 levels
Every property card shows exactly which rate source is being used. You're always in control.
Your own rate
If you've received a bank valuation, a genuine offer, or advice from a local agent — enter that rate directly. A Colombo apartment in a high-demand area might appreciate at 18–20%; a rural plot might be closer to 8%. You know your property better than any average.
Shows on your card as:
Your override · 15%Country average
If you skip the rate field, Nidra uses a country-level average we research and update periodically. These are conservative estimates based on historical urban property data.
31 countries available when adding a property. Updated periodically by the Nidra team.
Sri Lanka average · 12%Global fallback
If your country isn't in our list yet, we apply a conservative 8% global fallback — deliberately below most emerging market averages so we're never overpromising. You can always override it with your own rate.
Global default · 8%The source label appears on every property card so you always know which number is driving your portfolio value.
Real value after currency depreciation
Your property might grow 12% per year in rupees. But if the rupee loses value against the dollar, your wealth in hard-currency terms grows more slowly than the headline number suggests. Nidra shows you both — so you're never fooled by currency inflation.
Nominal growth
+12.0%
In LKR — the headline number
Rs 20M property → Rs 22.4M after 1 year
Real growth
+5.7%
In USD — after 6% LKR depreciation
Honest wealth growth in hard currency
The calculation
Real rate = ((1 + nominal) ÷ (1 + depreciation)) − 1
(1 + 0.12) ÷ (1 + 0.06) − 1 = 0.0566 = +5.66% real growth
(1 + 0.08) ÷ (1 + 0.15) − 1 = −0.0609 = −6.09% real loss
If depreciation exceeds appreciation, real wealth shrinks even as the nominal number grows. Nidra shows this in red.
Model your own scenario
Real growth: +5.66% / yr
Your property is genuinely building wealth in hard-currency terms.
A compass, not a bank statement
Nidra's numbers are informed estimates — not certified valuations. The accuracy depends entirely on the appreciation rate you use. A 12% rate for Sri Lanka is a reasonable historical average for urban areas; your specific property may be higher or lower depending on location, condition, and market timing.
We recommend updating your anchor value once a year — when you receive a real offer, a bank valuation, or see comparable sales nearby. When you update the anchor, the compound engine recalibrates from that new baseline forward.
💡 Think of Nidra as a daily reminder that your wealth is growing — and a way to understand how fast. For official valuations, consult a registered property valuer in your area.
Ready to see your own numbers?
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