mychoicehomez.com · Landlord Calculator · CEA Reg No. R008385F
Singapore Landlord & Rental Yield Calculator
Agent commission · Legal fees · Property tax · Net yield · Cash flow · Breakeven rent · ROE
Property Details
S$
sqft
S$
S$
S$
Rental Details
S$
mths
mths
Deposits Collected From Tenant
Security deposit—
Utility deposit—
Total deposits held—
Agent Commission
Commission norms: Rent ≤$3,500 = ½ month. Rent >$3,500 = 1 month. Landlord pays agent. GST applies if agency is GST-registered.
Tenancy Agreement & Legal
S$
S$
S$
Pre-Tenancy Setup
S$
S$
S$
S$
S$
S$
Annual Property Costs
S$
S$
S$
S$
S$
S$
Property tax 2024 (non-owner-occupied): Annual Value taxed at 12%–36% progressive rates. For a $4,500/mth rental, estimated tax ≈ $2,400–$4,000/yr. Check your IRAS notice.
Vacancy & Renewal
wks/yr
Rental Yield Summary
Gross Yield
—
on market value
Net Yield
—
after all costs
Monthly Cash Flow
—
rent − mortgage
Cash-on-Cash ROE
—
net income / cash in
Net Yield: —
OCR avg 3.5–4% · CCR avg 2.5–3.2%
0%2%3.5%4%5%+
Annual Rental P&L
Gross Annual Rent—
Less: Vacancy loss—
Less: Agent commission (annualised)—
Less: Maintenance / MCST—
Less: Property tax—
Less: Insurance—
Less: Aircon + repairs—
Less: Other annual—
Net Annual Rental Income—
Less: Annual mortgage—
Net Annual Cash Flow After Mortgage—
Breakeven Rent
Cover costs only—
Cover costs + mortgage—
vs your rent—
Deposits Held
Security deposit—
Utility deposit—
Total—
—
—
James's Note: Always maintain a repair reserve of at least $600–$800/year per unit. DLP (12 months post-TOP) covers developer defects — but once expired, all repair costs fall on the owner. Plan for this from year two.
Want James to run the actual yield for your unit?
DLP advice · Tenant selection · Rental pricing · CEA R008385F · PropNex
mychoicehomez.com · James Ong · CEA Reg No. R008385F · PropNex Realty Pte Ltd
For guidance only. Property tax per IRAS 2024.
For guidance only. Property tax per IRAS 2024.
