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

Singapore Private Property Investment Calculator

Estimate rental yield, effective rent, operating costs, net cash flow, break-even rent, DSCR, LTV, equity, cash-on-cash return and return on equity using your own assumptions. This is an educational planning tool, not a recommendation, valuation, financing approval, tax advice or legal advice.

Singapore private property Rental yield check Cash flow estimate Equity efficiency Estimate only

Investment Inputs

Enter verified figures where possible. For more accurate planning, include stamp duties, legal costs, renovation, furnishing, repair reserve, agent fees and realistic vacancy allowance.

Property Value & Equity
Rental Income
Operating Costs
Financing
Growth Assumption

Important: This calculator is for user-led scenario analysis. It does not include every acquisition, holding, financing, tax, regulatory or transaction variable. It should not be treated as investment advice, financial advice, tax advice, legal advice, valuation advice or a promise of future performance.

Estimated Results

Review income, costs, cash flow, leverage, equity and return efficiency. Figures are estimates based only on the inputs provided.

Scenario Summary

Enter your assumptions to review the estimated investment profile.

Awaiting inputs
Gross Annual Rent
S$0
Monthly rent × 12
Effective Annual Rent After Vacancy
S$0
Gross rent after vacancy allowance
Total Annual Operating Costs
S$0
Excludes mortgage instalment
Operating Expense Ratio
0.00%
Operating costs ÷ effective annual rent
Net Operating Income Before Mortgage
S$0
Effective rent minus operating costs
Annual Mortgage Instalment
S$0
Monthly instalment × 12
Annual Net Cash Flow After Mortgage
S$0
NOI minus annual mortgage instalment
Monthly Net Cash Flow
S$0
Annual net cash flow ÷ 12
Break-Even Monthly Rent
S$0
Adjusted for vacancy allowance
Debt Service Coverage Ratio
0.00x
NOI ÷ annual mortgage instalment
Gross Yield on Original Cost
0.00%
Gross annual rent ÷ purchase price
Gross Yield on Current Value
0.00%
Gross annual rent ÷ current market value
Net Yield Before Mortgage
0.00%
NOI ÷ current market value
Net Cash Flow Yield on Value
0.00%
Net cash flow ÷ current market value
Indicative Current LTV
0.00%
Outstanding loan ÷ current market value
Current Gross Equity
S$0
Before sale costs and exit costs
Indicative Net Equity After Exit Allowance
S$0
Current value minus loan and exit allowance
Unrealised Gain / Loss
S$0
Current value minus original purchase price
Principal Repayment Used
S$0
User-entered or estimated from instalment minus interest
Estimated Annual Appreciation / Decline
S$0
Current value × growth assumption
Estimated Total Annual Return
S$0
Cash flow + principal repayment + estimated appreciation
Cash Return on Equity
0.00%
Net cash flow ÷ current gross equity
Total Return on Equity
0.00%
Total annual return ÷ current gross equity
Cash-on-Cash Return
0.00%
Net cash flow ÷ total cash invested
Total Return on Cash Invested
0.00%
Total annual return ÷ total cash invested

Core formulas used:

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

Recommended official checks:

Compliance note: This tool is for educational scenario planning only. It does not replace official checks, bank assessment, valuation, tax advice, legal advice, estate planning advice or personalised financial advice. Property values, rents, interest rates, vacancy, taxes, policy rules and transaction costs may change.

For fuller planning, pair this calculator with separate BSD, ABSD, SSD, property tax, TDSR, affordability, CPF usage, loan tenure, sale-cost and estate-planning checks.