Tools · Invest & Grow
Rental Cashflow
Monthly cash in your pocket: rent minus costs and the cash part of your loan.
Net rental cashflow is what is left in your pocket each month after the mortgage instalment, maintenance, tax, agent's commission and vacancy — the number that decides whether a rental property funds itself or needs feeding. Run it for one unit, or for letting by the room.
What you enter
- Rent, lease length, vacancy allowance
- Loan instalment, the CPF part of it, maintenance, tax, commission, repairs
What you get
- Monthly cash in or out
- The annual figure and the cash yield
- The rent at which it breaks even
Worked example
$4,300 rent, $3,900 instalment, $350 maintenance
About –$220 a month after costs
- Instalment paid from CPF
- $1,200
- Cash instalment
- $2,700
- Costs and vacancy allowance
- $1,820
- Breakeven rent
- $4,520
Illustrative, for a Singapore citizen couple, 35, first property, $12,000 a month between them, $250,000 cash and $200,000 in CPF Ordinary Account unless the case says otherwise. Your own numbers replace every figure the moment you use the tool.
The rule behind it, in prose: Co-living in Singapore: the rules, the rent and who it actually suits.
Answers: rental cashflow calculator, net rental income after mortgage.
Also in Invest & Grow
This tool is part of Roov Pro. Create a free account first — the affordability check, live rates, grants, timelines and market analysis come with it — and upgrade when you want this one.