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Rental Yield Calculator

Gross & net yield, cash-on-cash and monthly cash flow for residential / commercial / industrial property.

Property Type
Property & Rent

Auto-derived from rent × 12 × 0.8. Look up exact AV at mytax.iras.gov.sg.

Yield

Gross Yield
3.6%
$54,000/yr / $1,500,000
Net Yield
3.18%
NOI $47,760/yr after operating costs
Cash-on-Cash
3.18%
Cash invested: $1,544,600

Operating Costs (annual)

Property Tax
$6,240
Non-owner-occupier · 12–36% of AV
MCST / Maintenance
—
Not included · add Expenses in Advanced
Income Tax
—
Not included · add Buyer Tax & ABSD in Advanced

Monthly Cash Flow

Monthly Rent
$4,500
Gross rental income
Monthly Mortgage
—
Cash purchase — no mortgage
Net Cash Flow
$3,980
Rent − costs/12 (no mortgage)
Cash Flow Breakdown
ItemMonthlyAnnual
Gross rent$4,500$54,000
Property tax-$520-$6,240
Net Operating Income (NOI)$3,980$47,760
Pre-tax cash flow$3,980$47,760
Est. income tax on rentalNot included
After-tax cash flow$3,980$47,760
Upfront Cash Required
Downpayment$1,500,000
BSD$44,600
Total cash invested$1,544,600

ⓘ Non-owner-occupier residential property tax is progressive 12–36% of Annual Value.

Estimates only — not financial advice. Actual rent, costs and tax vary; IRAS and your bank determine the real figures.