Rental Yield Calculator Singapore 2026
Gross yield is what agents quote in marketing brochures. Net yield, rent minus mortgage, MCST, property tax, insurance, vacancy, and income tax, is what actually lands in your bank account. This calculator runs both, then surfaces monthly cashflow and years-to-breakeven on your cash outlay so you can compare deals apples-to-apples. If you're evaluating a rental property, these are the only numbers that matter.
Property & rent
Financing
Holding costs (annual, SGD)
How to read this result
- Net yield above 3% is the SG investor benchmark, below that, you're betting on capital appreciation, not cashflow.
- Monthly cashflow is what hits your bank; if it's negative, you're topping up every month, size the gap against your reserves.
- Years-to-breakeven ignores capital appreciation and SSD, useful as a floor, not a full ROI picture.
Notes: Uses straight-line first-year estimates. Property tax shown is at non-owner-occupied rates (IRAS progressive 12--36% of AV), use the actual AV for precision. Rental income tax deducts mortgage interest, MCST, property tax, insurance, and repairs. SSD and capital appreciation not modelled, this is cashflow yield only. Cash-on-cash excludes stamp duty at exit.
Figures are estimates for planning purposes. Verify with your banker and solicitor before committing.