Investment Tools
Property Calculators
Numbers first, projects second. Every calculator below works on a phone.
Mortgage Calculator
Estimate your monthly instalment, loan amount and total interest.
Monthly instalment
RM 3,521
Loan amount
RM 720,000
Total interest
RM 547,533
Rental Yield Calculator
Compare gross yield against net yield after holding costs.
Gross yield
4.20%
Net yield
3.11%
ROI Calculator
Estimate the overall annual return generated by the property based on the total property investment.
Total property investment
RM 1,050,000
Annual investment gain
RM 40,000
Annual ROI
3.81%
ROI measures the overall return generated by the property relative to the total amount invested in acquiring the property. Capital appreciation is an assumption only; actual returns depend on market conditions, rental performance, taxes and vacancy.
Return on Equity (ROE)
Estimate the return generated from the actual cash/equity invested in a property. ROE = Annual Net Profit ÷ Total Cash Equity Invested × 100
Total cash invested
RM 135,000
Annual net profit
-RM 7,860
Return on Equity
-5.82%
Annual Net Profit = rental income less the operating costs and mortgage payments entered above. Capital appreciation is not included.
Return on Equity measures the return generated from the actual cash you have invested in the property, rather than the total property purchase price. Annual gross rental income, operating costs and mortgage payments are reflected in the results above.
ROI vs ROE
Each metric measures return from a different angle. Understanding the difference helps you evaluate a property more clearly.
ROI looks at the performance of the overall property investment, while ROE focuses on the return generated from the buyer's actual cash invested when financing is used.
Return on Investment (ROI)
ROI measures the return relative to the total property investment, including the purchase price and initial costs.
Best used to assess the annual performance of the whole property investment.
Return on Equity (ROE)
ROE measures the return on the buyer's actual cash invested. It is especially relevant when financing is used.
Best used to evaluate the return on the cash you have actually put in.
Example: a financed property may show a moderate ROI but a higher ROE because the buyer has invested only part of the property price in cash. This does not mean higher ROE is automatically better — it simply looks at the return from a different angle.
Coming Next
- · Loan Instalment Calculator
- · Cash Flow Calculator
- · Stamp Duty Calculator
- · RPGT Calculator
Calculations are estimates for general guidance only and do not constitute financial, legal or tax advice.
