Tool

Singapore Cash Flow Modeler

BTL year-by-year cash flow with IRAS property tax (AV-based), MCST fees, sinking fund, 22% rental income tax. No CGT on resale.

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Assumptions

Monthly mortgage
S$6,736
Exit value
S$2.69M
Total gain
S$-0.16M
ROI on cash
-33%
YrGross rentMCST+SinkProp taxMortgageIncome taxNet cashCum cashValue
1S$66,000S$6,000S$4,800S$80,828S$11,563S$-39,831S$-539,831S$2.06M
2S$67,320S$6,000S$4,800S$80,828S$11,842S$-38,843S$-578,674S$2.12M
3S$68,666S$6,000S$4,800S$80,828S$12,126S$-37,835S$-616,509S$2.19M
4S$70,040S$6,000S$4,800S$80,828S$12,416S$-36,806S$-653,315S$2.25M
5S$71,441S$6,000S$4,800S$80,828S$12,712S$-35,757S$-689,072S$2.32M
6S$72,869S$6,000S$4,800S$80,828S$13,014S$-34,687S$-723,760S$2.39M
7S$74,327S$6,000S$4,800S$80,828S$13,322S$-33,596S$-757,356S$2.46M
8S$75,813S$6,000S$4,800S$80,828S$13,636S$-32,483S$-789,839S$2.53M
9S$77,330S$6,000S$4,800S$80,828S$13,956S$-31,348S$-821,187S$2.61M
10S$78,876S$6,000S$4,800S$80,828S$14,283S$-30,190S$-851,376S$2.69M
Singapore advantage: No capital gains tax on resale. Watch Seller's Stamp Duty (12%/8%/4%) if selling within 1/2/3 years of purchase.

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