Tool

USA Cash Flow Modeler

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

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Assumptions

Property price ($)Down payment %Loan rate %Loan tenure (yrs)Monthly rent ($)IRAS Annual Value ($)HOA fee/mo ($)Sinking fund/mo ($)Vacancy %Rental growth p.a. %Appreciation p.a. %Hold years Tax resident (progressive rate; else 22% flat)

Monthly mortgage

$6,736

Exit value

$2.69M

Total gain

$-0.16M

ROI on cash

-33%

Yr	Gross rent	HOA+Sink	Prop tax	Mortgage	Income tax	Net cash	Cum cash	Value
1	$66,000	$6,000	$4,800	$80,828	$11,563	$-39,831	$-539,831	$2.06M
2	$67,320	$6,000	$4,800	$80,828	$11,842	$-38,843	$-578,674	$2.12M
3	$68,666	$6,000	$4,800	$80,828	$12,126	$-37,835	$-616,509	$2.19M
4	$70,040	$6,000	$4,800	$80,828	$12,416	$-36,806	$-653,315	$2.25M
5	$71,441	$6,000	$4,800	$80,828	$12,712	$-35,757	$-689,072	$2.32M
6	$72,869	$6,000	$4,800	$80,828	$13,014	$-34,687	$-723,760	$2.39M
7	$74,327	$6,000	$4,800	$80,828	$13,322	$-33,596	$-757,356	$2.46M
8	$75,813	$6,000	$4,800	$80,828	$13,636	$-32,483	$-789,839	$2.53M
9	$77,330	$6,000	$4,800	$80,828	$13,956	$-31,348	$-821,187	$2.61M
10	$78,876	$6,000	$4,800	$80,828	$14,283	$-30,190	$-851,376	$2.69M

USA advantage: No capital gains tax on resale. Watch Seller's Closing Costs (12%/8%/4%) if selling within 1/2/3 years of purchase.

USA Cash Flow Modeler

Assumptions

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