Singapore Rental Yield & Cash Flow Calculator
Calculate gross rental yield, net rental yield, mortgage cash flow, cash-on-cash return, DSCR and the rent required for the property to break even.
Calculate Your Rental Yield & Cash Flow
Start with rent and operating costs, then add financing. The calculator separates property-level rental yield from leveraged cash flow so you can see whether the asset itself is strong or the return depends on borrowing.
Six Metrics That Matter
Annual headline rent divided by purchase price. Useful for screening, but ignores vacancy and costs.
Net operating income after vacancy and property expenses, before financing.
What remains after operating expenses and the mortgage payment.
Annual pre-tax cash flow divided by the cash you actually invested.
Net operating income divided by annual debt service. Below 1.0× means rent does not fully cover financing.
The approximate monthly rent needed for collected income to cover property expenses and mortgage payments.
Read the Result Like an Investor
A property with weak net yield does not become a better property merely because financing increases cash-on-cash returns.
Do not underwrite twelve perfect rental months every year unless the evidence genuinely supports it.
Rental cash flow tells you whether you can hold the property. The next calculator asks what selling price is required to make the investment worthwhile.
Know the Cash Flow. Then Test the Exit.
A property can generate acceptable rent and still be a poor investment if the resale price required at exit is unrealistic. The next AskAnnaLee calculator will test break-even and target selling prices.
Educational estimate only. Verify actual rental, expenses, taxes, financing terms and buyer-specific circumstances before committing capital.