Tools · Investment
Penang Property ROI Calculator
The only Penang property ROI tool that bakes in RPGT, foreign buyer levy, loan amortisation, and exit timing. See your real net return.
Annualised ROI
7.0%
Net gain (7 years)
RM 165K
RPGT rate at Y7
0%
Money In
- DownpaymentRM 100K
- Transaction costs (~6%)RM 60K
- Cash upfrontRM 160K
- Monthly instalmentRM 4K/mo
- Annual net rent (offsetting)RM 28K/yr
Money Out (at exit)
- Sale value (Y7)RM 1.32M
- — Outstanding loan-RM 780K
- — RPGT (0% × gain)-RM 0
- — Selling costs (~2.5%)-RM 33K
- Net cash from saleRM 503K
Projections only. Actual returns depend on rental market, capital appreciation, vacancy, and timing — none guaranteed.
Add this calculator to your site — free
Copy the code, paste it into any web page or blog. No coding needed.
<iframe src="https://www.penangproperty.com.my/embed/roi-calculator/" width="100%" height="680" style="border:1px solid #e5e7eb;border-radius:12px;max-width:520px" loading="lazy" title="Penang ROI Calculator"></iframe> <p style="font:13px/1.4 system-ui,sans-serif;color:#555;margin-top:6px">Powered by <a href="https://www.penangproperty.com.my/roi-calculator/" target="_blank" rel="noopener">Penang ROI Calculator — Penang Property</a></p>
Works on WordPress, Wix, Squarespace, Blogger, or any site that accepts HTML. Keep the attribution line so readers know where it's from.
RPGT — the tax most calculators ignore
Real Property Gains Tax in Malaysia is the single biggest variable that changes whether a property investment is profitable or not.
Malaysian citizens / PR
- Years 1–3: 30%
- Year 4: 20%
- Year 5: 15%
- Year 6+: 0% ✨
Foreign buyers
- Years 1–5: 30%
- Year 6+: 10%
For Malaysian investors, the optimal exit is year 6 or later. The single year difference between selling in year 5 (15% RPGT) and year 6 (0%) can mean five-figure tax savings on a meaningful gain.