Rental Yield & ROI Calculator
Calculate your true Net Rental Yield using the "12-Cost Reality" model. Discover your Rent Coverage Ratio (RCR) and instantly estimate your tenancy stamp duty for properties in Malaysia and Singapore.
Before expenses
After 12-cost deductions
Warning: Rental income does not cover mortgage.
Includes 25% downpayment, BSD, and ABSD.
Understanding Property Analytics
The 12-Cost Reality
Most property investors focus solely on Gross Rental Yield, which divides annual rent by the property purchase price. However, this metric can be dangerously misleading because it ignores the recurring costs of property ownership.
To calculate your True Net Yield, our calculator accounts for the "12-Cost Reality", allowing you to deduct maintenance (HOA) fees, annual vacancy allowances (typically 8.3% or 1 month), property taxes (cukai pintu / tanah), insurance, and agent letting fees.
Rent Coverage Ratio (RCR)
If you are financing your property with a mortgage, the Rent Coverage Ratio (RCR) is the most critical metric for cashflow survival. It is calculated by dividing your Monthly Rent by your Monthly Mortgage Installment.
- RCR < 1.0x: Cashflow Negative. You must personally subsidize the mortgage every month.
- RCR 1.0x - 1.3x: Break-even or tight cashflow. Vulnerable to interest rate hikes.
- RCR > 1.3x: Healthy cashflow. The property sustains itself and generates passive income.