Free Tool
Net Cashflow Calculator Malaysia 2026
Property & Financing
RM
RM
Monthly Expenses
RM
RM
RM
RM
RM
Assumptions
8.3% = 1 month/year
8.3% = 1 month rent
RM
Determines marginal tax bracket for rental income.
Monthly Cashflow
Income & Costs
Gross Rental
RM 0
Vacancy Allowance
- RM 0
Operating Expenses
- RM 0
Agent Fee
- RM 0
Rental Income Tax
- RM 0
Net Operating Income
RM 0
Mortgage Repayment (P+I)
- RM 0
Net Monthly Cashflow
RM 0
Yield Metrics
Gross Yield
0.00%
Net Yield
0.00%
Cash-on-Cash Return
0.00%
Break-Even Rent
RM 0
Financing
Down Payment
RM 0
Loan Amount
RM 0
Tip
Use our Stamp Duty Calculator to calculate full upfront costs including MOT, legal fees, and loan stamp duty.
How Net Cashflow Works
Monthly Cashflow Formula
| Gross Rental | Monthly rent |
| − Vacancy | Rent × vacancy % |
| − Expenses | Maintenance + sinking + tax + quit rent + insurance |
| − Agent Fee | Annual rent × agent % ÷ 12 |
| − Income Tax | Marginal tax on net rental |
| = NOI | Net Operating Income |
| − Mortgage | P+I amortization |
| = Net Cashflow | What you actually pocket |
Yield Definitions
| Metric | Formula |
|---|---|
| Gross Yield | (Annual rent ÷ price) × 100 |
| Net Yield | (Annual NOI ÷ price) × 100 |
| Cash-on-Cash | (Annual cashflow ÷ cash invested) × 100 |
| Break-Even Rent | Min rent for ≥ 0 cashflow |
Default Assumptions
| Loan margin | 90% (citizen/PR typical) |
| Interest rate | 4.5% (BNM OPR 3.0% + ~1.5%) |
| Vacancy | 8.3% (1 month/year) |
| Agent fee | 8.3% (1 month rent/year) |
Sources: BNM OPR • LHDN Tax Rates • LHDN Non-Resident
Related: Stamp Duty Calculator • Rental Income Tax Calculator • RPGT Calculator
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