Renting Out Your HDB or Condo in Singapore? Here's a Free IRAS Tax Calculator

Renting Out Your HDB or Condo in Singapore? Here's a Free IRAS Tax Calculator

If you rent out a property in Singapore — HDB, condo, or landed — the rental income is taxable. IRAS doesn't let you forget, and the rules around deductibles are stricter than most landlords realise.

We built a free browser-based calculator that does the math IRAS expects, using 2026 rates. No spreadsheet, no accountant required for the basic case.

→ SG Rental Income Tax Calculator

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What's Actually Deductible (and What Isn't)

IRAS allows two paths:

Option A — Simplified 15% deemed deduction + mortgage interest Option B — Itemised expenses (repairs, property tax, agent fees, mortgage interest, fire insurance)

The trap: most online guides skip the fact that renovation costs are NOT deductible in the year incurred — they're capital expenses. Our calculator flags this.

The calculator lets you switch between both methods so you can see which gives you a better outcome.

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HDB vs Condo — Different Math

HDB rentals are capped by HDB tenure rules (minimum occupancy period, subletting approval). Condo has more flexibility but higher property tax rate (10% owner-occupier vs up to 36% non-owner-occupier on high-value homes from 2024).

The tool distinguishes and applies the correct property tax rate band.

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For Whom

  • HDB owners subletting whole flat or rooms
  • Condo investors with one or more units
  • Expats renting out their home while posted overseas
  • Anyone filing Form B/B1 with Section 4(d) rental income

Try It

→ SG Rental Income Tax Calculator — free, private, IRAS 2026 rates, no signup.

More in our Singapore finance hub — CPF, BTO ABSD, GST Voucher, SRS.

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-05-sg-rental-income-tax-calculator

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