Returns Summary
Gross Yield
{{ formatPct(r('grossYield')) }}
Annual rent / price
Net Yield
{{ formatPct(r('netYield')) }}
After all expenses
Cash-on-Cash
{{ formatPct(r('cashOnCash')) }}
Return on equity
Monthly Cashflow
{{ formatSigned(r('monthlyCashflow')) }}
After mortgage
Annual Cashflow
{{ formatSigned(r('annualCashflow')) }}
per year
Break-even Occupancy
{{ formatPct(r('breakEvenOccupancy')) }}
to cover all costs
Total Acquisition
{{ formatCurrency(r('totalAcquisition')) }}
Price + duty + reno
Property Acquisition
BSD {{ formatCurrency(r('bsd')) }} + ABSD {{ formatCurrency(r('absd')) }} ({{ buyerType }})
Rental Income
For agent commission amortisation
8.3% ≈ 1 month vacant per year
Financing
LTV {{ formatPct(ltvPct) }} of purchase price (cap 75%)
Recurring Expenses
Computed tax: {{ formatCurrency(r('propertyTax')) }} (non-owner-occupied rates)
Months of rent per lease cycle
Annual Income & Expenses
| Gross Rent | {{ formatCurrency(monthlyRent * 12) }} |
| − Vacancy ({{ vacancyRate }}%) | ({{ formatCurrency(monthlyRent * 12 - r('effectiveRent')) }}) |
| Effective Rent | {{ formatCurrency(r('effectiveRent')) }} |
| Maintenance | ({{ formatCurrency(eb('maintenance')) }}) |
| Property Tax | ({{ formatCurrency(eb('propertyTax')) }}) |
| Insurance | ({{ formatCurrency(eb('insurance')) }}) |
| Agent (amortised) | ({{ formatCurrency(eb('agentCost')) }}) |
| Income Tax ({{ marginalTaxRate }}% of net rental income) | ({{ formatCurrency(eb('incomeTax')) }}) |
| Net Operating Income | {{ formatCurrency(r('netOperatingIncome')) }} |
| Mortgage Payments | ({{ formatCurrency(r('annualMortgage')) }}) |
| Annual Cashflow | {{ formatSigned(r('annualCashflow')) }} |
Expense Breakdown
Rent Sensitivity
| Rent Change | Monthly Rent | Gross Yield | Net Yield | Annual Cashflow |
|---|---|---|---|---|
| {{ row.rentChange === 0 ? 'Current' : (row.rentChange > 0 ? '+' : '') + row.rentChange + '%' }} | {{ formatCurrency(monthlyRent * (1 + row.rentChange / 100)) }} | {{ formatPct(row.grossYield) }} | {{ formatPct(row.netYield) }} | {{ formatSigned(row.cashflow) }} |
For illustrative purposes only. Not financial advice.
Stamp duty (BSD/ABSD) and property tax rates per IRAS; ABSD effective 27 Apr 2023. Rates change on legislative review — verify at iras.gov.sg.
Rental income is taxable in Singapore. This tool estimates income tax at your stated marginal rate on net rental income — gross rent less deductible expenses (maintenance, property tax, insurance, agent fees, and mortgage interest), per IRAS. Mortgage principal and the purchase price are not deductible.
Stamp duty (BSD/ABSD) and property tax rates per IRAS; ABSD effective 27 Apr 2023. Rates change on legislative review — verify at iras.gov.sg.
Rental income is taxable in Singapore. This tool estimates income tax at your stated marginal rate on net rental income — gross rent less deductible expenses (maintenance, property tax, insurance, agent fees, and mortgage interest), per IRAS. Mortgage principal and the purchase price are not deductible.
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