GoToCalc Singapore

RentalYield SG

See beyond headline rent. Estimate your rental yield, expenses, financing, taxable rental income and real monthly cash flow.

For Singapore residential landlords and prospective investors
Planning estimate: This calculator is educational and does not constitute tax, financial or investment advice. Use your IRAS assessment, tenancy documents and bank statements for filing.
1 · Property

Property and rent

Enter the price and realistic rent. Vacancy reduces collected rent, not the advertised monthly rent.

$
$
Downpayment plus acquisition and upfront costs paid by you.
$
%
5% is about 18 vacant days per year.
$
Use the AV shown in your IRAS property record—not the purchase price.
%
Taxable rent is apportioned according to legal ownership.
2 · Financing

Mortgage

Loan principal affects cash flow but is not a rental-income deduction. Only qualifying interest is deductible.

$
%
years
$
Enter the bank-statement figure to replace the estimated first-12-month interest.
3 · Costs

Annual operating expenses

These affect investment performance and cash flow. Tax treatment depends on the expense method selected below.

$
Auto-calculated from AV using non-owner-occupier residential rates.
$
$
$
Enter the annualised amount for a fair yearly comparison.
$
$
$
$
4 · Income tax

Rental-income tax estimate

Estimate the additional personal income tax caused by your share of net rental income.

$
After applicable deductions and reliefs, before adding rental income.
Why other chargeable income matters
Singapore resident tax is progressive. The estimated rental tax is the tax on total chargeable income minus the tax on your other chargeable income alone.
The 15% deemed method is generally for qualifying tenanted residential property held personally. It is not available for non-residential property, property held through a trust, or rental income derived through a partnership.
What the two tax methods include

Deemed: deduct 15% of gross rent plus qualifying mortgage interest. Do not add actual expenses again.

Actual: deduct qualifying actual expenses and mortgage interest. Supporting records should generally be retained for at least five years. Capital improvements and mortgage principal are not deductible.

Official references

Rules and rates checked against IRAS guidance on income from rented property, property tax rates, and individual income-tax rates. Verify current rules before filing.