Rent Out vs Sell Calculator (Singapore, 2026)
This answers: “If I rent out for a few years, am I better off than selling now?” It’s a planning model — the goal is to force the right variables into the open.
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Inputs
Notes: This assumes you keep the current loan structure (standard amortization). Taxes, insurance, and major repairs are simplified into “expenses”.
Results
Sell now → invest (end value)
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Rent out → sell later (end value)
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Winner
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Net rent cashflow / month
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After vacancy + expenses + mortgage
Show breakdown (what this model is doing)
- Sell now: estimate cash proceeds (excluding CPF). Invest proceeds for the holding period.
- Rent out: each month, net rent cashflow is invested (or topped up if negative). At the end, sell: net proceeds = sale price − remaining loan − selling costs − CPF refund.
- End values are compared.
Key numbers
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