Financial Tools
Rental Yield Calculator
Separate cash flow from real returns. Add projected property appreciation to see total return — rental income + capital growth combined.
Purchase Details
Market Forecast
Mortgage
Monthly Income & Expenses
Let via Rental Agent
One-time commission: 50% of first month's rent
Results
💰 Cash Flow Analysis
Actual money in and out each month (full mortgage payment counted)
📈 Real Return Analysis
Principal repayment = saving, not an expense. Only real costs counted.
Gross Yield
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Net Yield
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Cash-on-Cash ROI
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Total Cash Invested
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Cash return only (excl. appreciation). Negative = rental cash flow below fixed deposit returns.
🏠 Equity Build-Up
Estimated Payback Period
Enter rental income to calculate
Recoup —
Why Separate Cash Flow from Real Returns?
💰 Cash Flow = Can You Afford It Monthly
Cash flow counts all monthly outflows (full mortgage payment), because that money actually leaves your account. Negative cash flow = you're topping up the mortgage each month — unsustainable long-term.
📈 Real Return = Is It a Good Investment
Principal repayment isn't an expense — it's saving (it builds your equity). Only interest + fees are real costs. ROI = Net Real Return ÷ Total Cash Invested.
🏠 Impact of Years Already Paid
The longer you've paid, the less principal remains → lower interest costs → higher real return. But monthly cash flow stays the same (fixed payment), so the early years are the tightest.
⚠️ Common Misconception
Many think "rent covers the mortgage = good return." But most of the payment is principal (especially early years when interest is heavy). Real return can be lower than a fixed deposit.