⚠️ HDB rental rules: You must fulfil the 5-year Minimum Occupation Period (MOP) before renting out the entire flat. Subletting individual rooms is permitted earlier with HDB approval. Eligible tenants: Singapore Citizens, PRs, and certain non-citizen passes — check HDB's rental requirements before proceeding.
Check IRAS bill/myTax Portal. Rough guide: AV ≈ annual rent.
Recurring Annual Costs
Only include interest portion, not principal.
Tax Settings
Deemed method auto-deducts 15% of gross rent. Actual method deducts eligible real costs and may be better if expenses are high.
Use your top personal tax bracket (not average tax rate). Rental income is added on top of your other income.
Set this to the latest MAS auction cut-off yield for accurate comparison.