Raefolio.sg

Property Breakeven Calculator

See the full cost of holding a property to sale. Mortgage interest, property tax, and (for an investment) income tax on rental profit, compared side by side for a New Launch and a Resale purchase. Figures use published IRAS property tax and stamp duty rates. This is a planning estimate, not a financial or tax opinion. Always confirm with IRAS, your bank, and a tax advisor before making a purchase decision.

Assumptions used
  • Annual Value (AV) is IRAS's own estimate of a property's market rent, not the owner's actual rent. This tool uses your entered rental value as a labeled proxy for AV, never the real assessed figure.
  • One-off annual property tax rebates aren't modeled. Those are Budget-cycle items that change yearly.
  • Your growth-rate assumption isn't checked against a live figure for your specific town or district in this tool. Use the School Proximity tool for real historical resale trends.
  • For New Launch, pre-TOP mortgage interest is a lump-sum estimate (the standard progressive payment stages spread evenly across your estimated time to TOP), not a month-by-month schedule. Use the New Launch Cash-Flow Simulator for that level of detail.
  • No GST is assumed on rental income itself (individual landlords, not corporate entities).
  • A resale agent's selling commission isn't modeled.
  • For a New Launch sold before TOP, mortgage figures use progressive-disbursement timing rather than the full amortization schedule, the same estimate shown in that result.
  • A 4-year holding period is treated as Seller's Stamp Duty-free. IRAS's precise rule taxes a sale on the exact 4-year anniversary date at 4%, only a sale after that date is fully exempt.

Determines Additional Buyer's Stamp Duty (ABSD), shown in the breakdown below alongside BSD.

Shared by both scenarios below, for a fair comparison.

Default is today's typical rate (~1.6%). Reach out for a current quote.

Your own assumption, not a forecast. Check the School Proximity tool for real historical resale trends in a specific town or district.

Your own estimate. The actual TOP date depends on this project's real construction progress.

Pre-filled using a typical 3.5% rental yield on your purchase price. Also used as your rental income basis below. Adjust if you have a more specific estimate.

Set based on your own risk tolerance. No default.

A cash outlay only, with no tax offset (no wear-and-tear allowance for individual landlords).

New Launch results

Projected exit valuation

$1,754,788

Estimated net profit

$153,930

Total capital outlay

$574,268

Total ROE

35.0%

7.8%/year, annualized return

Total mortgage interest paid$27,918
Total property tax paid$8,700
Total income tax paid on rental profit$0

Want to talk through a real scenario, or a specific project?

Chat with Rae

Resale results

Projected exit valuation

$1,688,263

Estimated net profit

$144,755

Total capital outlay

$749,216

Total ROE

32.2%

7.2%/year, annualized return

Total mortgage interest paid$68,259
Total property tax paid$34,800
Total income tax paid on rental profit$0

Want to talk through a real scenario, or a specific project?

Chat with Rae