Singapore Net Rental Yield & Cashflow Calculator
Estimate gross rental yield, net rental yield, mortgage repayment, vacancy impact, annual ownership cost and monthly cashflow before committing to a Singapore property investment.
Gross yield is only the surface number. Net cashflow tells a clearer story.
Many investors compare properties by gross rental yield. However, real investment planning should also consider vacancy, maintenance, property tax, repairs, agent fee, mortgage cost and cash buffer.
| Metric | What It Means | Why It Matters |
|---|---|---|
| Gross Rental Yield | Annual rental income divided by purchase price. | Useful for quick comparison, but does not include ownership cost. |
| Net Rental Yield | Vacancy-adjusted rent minus operating cost, divided by total acquisition cost. | Gives a more realistic view of property income before financing cost. |
| Monthly Cashflow | Net operating income after estimated mortgage repayment. | Shows whether the property may require monthly top-up. |
| Vacancy Impact | Estimated rental loss from vacant months per year. | Even short vacancy periods can reduce effective yield. |
Estimate net yield and monthly cashflow.
Enter realistic numbers. For annual property tax, verify with IRAS or your latest property tax bill. For mortgage rates, use your bank’s indicative offer or stress-test a higher rate.
Property & Rental Inputs
Estimated Results
Use this calculator together with your full investor risk framework.
A net yield result should not be used alone. Review stamp duties, financing, holding power, exit strategy and policy exposure before committing.
Rental income alone does not define a good investment.
A responsible investor should review net yield, financing cost, vacancy risk, tax exposure, cash buffer and exit strategy before making a property decision.
Disclaimer: This calculator is for general educational awareness only. It does not constitute investment, financial, tax, legal, CPF, banking, valuation or property advice. Results are estimates based on user inputs and may not reflect actual bank approval, tax liability, maintenance cost, rental demand or transaction outcome. Verify all figures with official sources, banks, lawyers, tax professionals and qualified advisers before making decisions.