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Free · Rental Investment Calculator

Rental Investment Calculator

Cash flow, loan paydown and exit profit

See whether the rent covers your loan each month, how much of the loan your tenant pays off, and what you walk away with when you sell. Change any number and every figure updates. How it works

Your property

ABSD (Additional Buyer's Stamp Duty) depends on buyer status and how many homes you already own. Joint purchases, remissions and treaty exemptions can change it. Ask Titus

Loan

Loan limits depend on your other housing loans, age and the property. A second housing loan is usually capped well below 75%. This is a planning input, not a loan approval.
Usually up to 30 years for private property and 25 years for HDB, and limited so the loan ends by about age 65.

Rent

Your exit

A steady yearly growth assumption, not a forecast. Real prices move unevenly. You can enter an exact selling price in Detailed instead.

Purchase date, buying costs, vacancy, running costs and selling fees use typical figures. to change them.

Purchase details

Sets which Seller's Stamp Duty rules apply. Bought on or after 4 July 2025: 16% / 12% / 8% / 4% if sold within 1 / 2 / 3 / 4 years. HDB flats pay none.

Renting it out

Time with no paying tenant, averaged over each year. Half a month a year is a common planning figure.

Running costs

IRAS taxes rented homes on their Annual Value, roughly a year's market rent, at non-owner-occupier rates. If you leave both boxes blank, the calculator uses rent × 12. Ask Titus

Selling

    1

    Does the rent cover the mortgage?

    Year 1, per month

    2

    How much loan does my tenant pay off?

    Each instalment is part interest, part principal. The principal you repay isn't a cost: it lowers the loan, so you get it back when you sell. Rent that goes into principal is your tenant building your equity.

    Loan paid off

    Loan left at the end of each year

    3

    What do I walk away with when I sell?

    How the profit adds up

    % a year:

    Free · Reply within 24 hours

    Before you trust that number…

    A calculator can't see the rents similar units are actually getting, the loan limit on a second property, or what this project resells for. Send me your numbers and I'll tell you honestly what I see.

    Review my results with Titus →

    Your results are already filled in. Just tap send.

    Titus Lim
    Titus LimCEA Reg. No. R071081I · PropNex RealtyS$30M+ transacted in 2025 · HDB, EC and condo moves

    “Property decisions should be built around a plan, not pressure.”

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    Compare two properties

    Save these numbers as A. Change the price, rent or loan, then save as B to see them side by side.

    What if my loan rate goes up?

    Most home loans reprice after two or three years, so here is the same property at higher rates.

    See the year-by-year figures

    Cash flow includes the full loan instalment (interest and principal).

    See the detailed numbers

    Buying and cash needed

    Year 1 per month

    Selling

    Profit

    How this is calculated

    • Monthly cash flow = rent after empty months − loan instalment − property tax, MCST, insurance, repairs, agent fees and other costs.
    • Loan principal is not a cost. It lowers the loan you pay off when you sell; only the interest is a cost.
    • Profit = price gain + total rent − buying costs − running costs − loan interest − selling costs and Seller's Stamp Duty.
    • Property tax uses IRAS non-owner-occupier rates (from 2024) on the Annual Value, or rent × 12 if you leave it blank.
    • Seller's Stamp Duty: bought on or after 4 July 2025, 16% / 12% / 8% / 4% within 1 / 2 / 3 / 4 years. HDB flats pay none.
    • HDB flats can only be rented out whole after the 5-year minimum occupation period, so rent starts from year 6.

    Keep in mind

    • Rent and costs grow at the rate you set; the loan rate stays flat. Real life is bumpier.
    • Rental income is taxable. Income tax on rent isn't included.
    • CPF accrued interest isn't counted. If you used CPF, you must put it back with interest when you sell.
    • It doesn't check loan limits (TDSR) or what similar units actually rent and sell for. That's where Titus comes in.

    For illustration only. These are estimates from the figures you enter, not financial advice or a guarantee of returns.

    Monthly cash flow—
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