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Quick calculator guide

How to use Rental Yield & Property ROI Calculator

Calculate gross rental yield, net rental yield, monthly cash flows, and Cash-on-Cash ROI for properties. Results are educational estimates, not official approval or advice.

  1. 1

    Enter total investment, rent and costs

    Add purchase and setup costs, achievable monthly rent, vacancy and recurring expenses; include financing only if comparing cash flow.

  2. 2

    Separate gross yield, net yield and cash flow

    Review each return measure with its own denominator, then check monthly cash flow and cash-on-cash return when available.

  3. 3

    Stress-test rent and vacancy

    Lower rent or occupancy and raise maintenance or financing cost to see whether the investment remains viable.

Before relying on the result

  • Validate achievable rent, vacancy, service charges, repairs, tax, insurance and loan terms with current evidence.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
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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

Gross Rental Yield
4.8%
Net Rental Yield
3.66%
Cash-on-Cash ROI
-3.2%
Total Front Cash Invested (Capital)

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.

AI Rental Yield Check

Investment-quality signal based on yield, cash flow, and cash invested.

AI verdict

Needs monthly top-ups

Score 20/100

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

Net yield

3.66%

Cash ROI

-3.2%

Cash flow

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

Sign in to use Pro AI explanations.

Ask AI about this investment

Cik Kira can use this yield, ROI, and cash-flow result to suggest the most practical next step.

Current calculator result10 shared answers or calculations / monthEducational tips only

AI will use this context

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

Frequently Asked Questions

Related Calculators

Stamp Duty Calculator Malaysia→Property Legal Fees & Valuation Calculator→
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