🏠 Rental Yield Calculator Interactive

Calculate gross & net rental yield, monthly cash flow, and total acquisition costs for Malaysian property investments. Includes stamp duty and legal fee estimates.

Property Details

Property Purchase Price (RM)

Total purchase price including negotiated discount

Monthly Rental Income (RM)

Expected gross monthly rent at full occupancy

Vacancy Rate (% per year)

Average time the unit sits vacant — 8% ≈ 1 month/year

Annual Operating Costs

Monthly Maintenance / Service Fees (RM)

Strata fees, sinking fund, management fees

Annual Fire / Landlord Insurance (RM)

Typical fire insurance for RM500k property: ~RM500–800/yr

Annual Property Tax / Quit Rent (RM)

Cukai Taksiran + Cukai Tanah combined estimate

Your Results

Gross Yield

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before costs

Net Yield

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after all costs

Monthly Cash Flow

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Annual Net Income

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Cap Rate

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Total Acquisition Cost

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Stamp Duty (auto)

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Legal Fees (auto)

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📋 Acquisition Cost Breakdown

Upfront costs beyond the purchase price — calculated automatically from Malaysian stamp duty and legal fee schedules.

Cost Item	Basis / Rate	Amount
Enter property details above to see breakdown.

What is rental yield? Gross yield = (Annual Rent ÷ Purchase Price) × 100. Net yield further deducts operating costs (maintenance, insurance, property tax, vacancy). The cap rate uses net operating income against purchase price only — excluding acquisition fees — which is useful for comparing properties. A net yield of 4–5%+ in Malaysia is generally considered healthy for residential property.

💡 Tips for Malaysian Property Investors

Target net yield above 4% — gross yield of 5–6% typically translates to ~3.5–4.5% net after costs.
Factor in rental void periods — a 1-month vacancy per year is 8.3% vacancy rate. Matured areas have lower vacancy risk.
Stamp duty is tiered — a RM700k property incurs RM18,000 in stamp duty (1% + 2% + 3% in bands), not 3% flat.
Consider Real Property Gains Tax (RPGT) when planning your exit — rates vary by holding period and residency status.
Rental income is taxable in Malaysia — deductible expenses include interest on mortgage, repairs, assessment, insurance, and agent fees.
For condos, service charges and sinking fund are often RM250–600/month — always check before buying.
Leasehold vs freehold — leasehold properties (especially <60 years remaining) may command lower rents and resale values.

🙋 Frequently Asked Questions

What stamp duty rates apply in Malaysia?

For residential property: 1% on the first RM100,000; 2% on RM100,001–RM500,000; 3% on RM500,001–RM1,000,000; 4% above RM1,000,000. Stamp duty exemptions may apply for first-time buyers under certain government schemes.

Are legal fees regulated in Malaysia?

Legal fees are set by the Solicitors' Remuneration Order. The simplified rates used here are: 1% on the first RM500,000; 0.8% on RM500,001–RM1,000,000; 0.5% above RM1,000,000. In practice, lawyers may negotiate slightly different rates.

What is a good rental yield in Malaysia?

For residential property in Malaysia, a gross yield of 4–6% and net yield of 3–4.5% is considered reasonable. Klang Valley condos often yield 3–5% gross, while landed properties in less central areas may yield 4–7%. Compare against the current OPR (3.0% in 2025) for context.

Does this include mortgage financing costs?

No — this calculator shows unlevered yield (no mortgage). To assess levered returns, subtract your monthly mortgage payment from the monthly cash flow figure shown. Most Malaysian home loans are at ~4–4.5% per annum for the first few years.

What is cap rate vs rental yield?

Cap rate (capitalisation rate) uses the purchase price as the denominator and net operating income (excluding financing). Rental yield typically uses the full acquisition cost. Cap rate is better for comparing investment quality across properties, while yield on total cost is better for measuring your actual return on capital deployed.

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Disclaimer: This calculator provides estimates for informational purposes only. Stamp duty, legal fees, and tax rules are subject to change. Actual costs may vary based on property type, buyer status, and applicable exemptions. Always verify with a licensed property lawyer or LHDN before making investment decisions.