Singapore Tool
ROI Calculator
Singapore rental yield — gross, net after property tax and MCST, and cash-on-cash return including mortgage. Factors in ABSD upfront and 22% non-resident withholding.
Loan S$1,500,000 · 75% LTV
Typically ~3% of property value
Investor 10-20% sliding; owner-occ 0-16%
Gross Yield
3.30%
Net Yield (pre-mortgage)
1.89%
Annual Cash Flow
-S$51,903
Cash-on-Cash ROI
-8.99%
On cash invested
Annual P&L
Gross Annual RentS$66,000
Vacancy Loss (2w)-S$2,538
Effective RentS$63,462
Property Tax (AV S$50,000 × 12%)-S$6,000
MCST (annual)-S$6,000
Insurance-S$2,000
Property Manager (8%)-S$5,077
Net Rent (pre-tax, pre-mortgage)S$44,385
Income Tax (15%)-S$6,658
Net Rent (after tax)S$37,727
Annual Mortgage-S$89,630
Net Cash Flow-S$51,903
Upfront Cash Required
DepositS$500,000
Stamp Duty (Singapore Citizen)S$69,600
Legal + Valuation + ConveyancingS$8,000
Total Cash InS$577,600