Rental Yield Calculator
Measures the return from rent before and after costs such as property tax, maintenance fees and agent fees.
Result
- Gross rental yield
- 4.15%
- Net rental yield
- 3.33%
- Net annual income
- S$36,600.00
How to use the rental yield calculator
- Enter the property price (S$).
- Enter the monthly rent (S$).
- Enter the annual costs (S$).
- The results update as you type, or press Calculate.
- Read the gross rental yield first, then the supporting figures below it.
Formula
Gross yield = annual rent ÷ price; net yield = (annual rent − annual costs) ÷ price.
Worked example
For example, with these inputs:
- Property price (S$): 1,100,000
- Monthly rent (S$): 3,800
- Annual costs (S$): 9,000
the calculator returns:
- Gross rental yield: 4.15%
- Net rental yield: 3.33%
- Net annual income: S$36,600.00
Background
Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.
Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.
Frequently asked questions
How does the rental yield calculator work?
It applies this formula: Gross yield = annual rent ÷ price; net yield = (annual rent − annual costs) ÷ price.
Should I rely on this before signing?
Use it to plan, then confirm the figures with your banker, lawyer or the IRAS stamp duty calculator before you exercise an option to purchase.