Johor property ROI calculator
Model the downside before accepting the upside.
A complete first-pass cashflow screen in Malaysian ringgit.
Enter the specific deal. Results update instantly and stay in your browser. No calculator inputs are transmitted or stored.
Base-case output
Investment screen
Monthly mortgage—Principal and interest estimate
Estimated cash needed—Down payment, duties and other costs
Gross yield—Annual asking rent ÷ price
Net yield—NOI ÷ purchase price
Monthly cashflow—After debt and operating costs
Cash-on-cash—Annual cashflow ÷ initial cash
DSCR—NOI ÷ annual debt service
Break-even occupancy—Occupancy needed to cover all costs
Stress monthly cashflow—Rent −10%, rate +0.75%, costs +10%
Transfer stamp duty—Before exemptions or special relief
—
Enter assumptions to calculate.
Formula notes
What the calculator measures
NOI = annual rent × (1 − vacancy) − annual operating costs
DSCR = net operating income ÷ annual mortgage payments
Cash-on-cash return = annual pre-tax cashflow ÷ estimated initial cash
For Malaysian citizens and permanent residents, the transfer-duty estimate uses progressive bands of 1%, 2%, 3% and 4%. For foreign buyers, the model uses the 8% transfer rate applicable from 1 January 2026. Loan stamp duty is estimated at 0.5%. Always obtain a lawyer's current written calculation.
Not included automatically: developer rebates, first-home exemptions, legal-fee schedules, valuation, furnishing depreciation, income tax, RPGT and property-specific state consent. Add known amounts under other upfront or annual costs.