Rental Yield & Property ROI Calculator
Analyze property rental profitability. Calculate gross and net yields, monthly net cash flow, and Cash-on-Cash ROI with or without leverage.
Property Value & Upfront Costs
Stamp duties, legal fees, agent fees, and renovations.
Monthly Rental Income & Expenses
Maintenance fee, quit rent, assessment, insurance, repairs.
Typically 10% of purchase price.
Monthly Net Cash Flow
RM-200.00
Key Return Indicators
RM 75,000
Down payment + initial transaction costs.
Your monthly net cash flow is negative, meaning this property requires cash outlays to sustain itself monthly.
Investment-quality signal based on yield, cash flow, and cash invested.
AI verdict
Needs monthly top-ups
This property runs negative monthly cash flow, so you would need to top it up from your own cash each month.
Fix the numbers first with a lower purchase price, more realistic rent, or lower financing cost.
20
out of 100
3.66%
-3.2%
RM-200
Main reason
- This property runs negative monthly cash flow, so you would need to top it up from your own cash each month.
Watch-outs
- Monthly cash flow is negative after expenses and financing.
- Net yield is thin after expenses and entry costs.
- Cash-on-cash return is low for the cash invested.
How to improve the decision
- Stress-test one vacant month per year and a 10% repair buffer.
- Negotiate price, raise rent assumptions carefully, or lower financing cost before proceeding.
- Compare against fixed deposit or low-risk alternatives before accepting property-specific risk.
AI explanation
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Current rental yield check
Score: 20/100 Risk level: negative Headline: Negative cash flow. This property needs monthly top-ups. Net yield: 3.66% Monthly cash flow: RM-200 Cash-on-cash ROI: -3.2% Expense ratio: 20% Positive signals: None Caution signals: Monthly cash flow is negative after expenses and financing.; Net yield is thin after expenses and entry costs.; Cash-on-cash return is low for the cash invested.
Educational planning tips only, not licensed financial advice.
Assumptions
- Gross yield calculations only consider the purchase price and rental income, without factoring in expenses or initial transaction fees.
- Net yield calculations include both operating expenses and initial transaction costs (e.g. stamp duty, legal fees, and renovations).
- Cash-on-Cash ROI represents the annual cash return relative to the actual liquid cash invested upfront.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-05-27 · Result type: official-rate implementation