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Singapore Private Property Investment Calculator | Yield, Cash Flow, Equity & ROE

Singapore Private Property Investment Calculator

Check your private property investment assumptions, estimate rental yield, review operating and financing costs, and assess equity efficiency before making a decision. This tool is designed for educational planning and should be read together with official guidance, lender assessment, and independent professional advice where required.

Singapore-focused Private property use Estimate only Best used with official checks

Check Investment Inputs & Assumptions

Use this estimator to review broad investment factors such as rental income, costs, financing, equity, and indicative returns using your own figures.

Property Basics
Rental Income
Operating Costs
Financing
Return Assumptions

Important: enter only your own assumptions or verified figures. This calculator provides an educational estimate and should not be treated as a recommendation, guarantee of performance, tax advice, legal advice, or financing approval.

Estimated Investment Results

Review the broad impact of your assumptions on income, costs, yield, cash flow, equity and return efficiency.

Gross Annual Rent
S$0
Effective Annual Rent After Vacancy
S$0
Total Annual Operating Costs
S$0
Excludes mortgage installment
Net Operating Income (Before Mortgage)
S$0
Annual Mortgage Installment
S$0
Annual Mortgage Interest
S$0
User-entered figure
Annual Net Cash Flow (After Mortgage)
S$0
Monthly Net Cash Flow
S$0
Break-Even Monthly Rent
S$0
Gross Yield on Original Cost
0.00%
Gross Yield on Current Value
0.00%
Net Yield Before Mortgage
0.00%
Net Cash Yield After Mortgage
0.00%
Current Equity
S$0
Current Market Value - Outstanding Loan
Cash Return on Equity
0.00%
Net Cash Flow / Current Equity
Total Annual Return
S$0
Cash Flow + Principal Repayment + Estimated Appreciation
Total Return on Equity
0.00%
Cash-on-Cash Return
0.00%
Net Cash Flow / Initial Cash Invested

Illustrative formulas used:

  • Gross Annual Rent = Monthly Rent × 12
  • Effective Annual Rent = Gross Annual Rent × (1 - Vacancy Rate)
  • Operating Costs = Property Tax + Maintenance + Agent Commission + Repairs + Other Costs
  • Net Operating Income = Effective Annual Rent - Operating Costs
  • Annual Net Cash Flow = Net Operating Income - Annual Mortgage Installment
  • Break-Even Monthly Rent = (Operating Costs + Annual Mortgage Installment) ÷ 12
  • Equity = Current Market Value - Outstanding Loan
  • Cash ROE = Annual Net Cash Flow ÷ Equity
  • Total ROE = (Net Cash Flow + Principal Repayment + Estimated Appreciation) ÷ Equity

Compliance note: this tool is for user-led scenario analysis and educational planning. It does not account for all acquisition, holding, financing, tax, vacancy, repair, regulatory or transaction variables.

For fuller planning, pair this with separate BSD, ABSD, TDSR, affordability and property tax checks.