Compare multiple property scenarios side-by-side with custom parameters.
Custom Loan Schedule with Prepayment Scenarios
Key Takeaways
Use identical financing assumptions (rate, tenure, LTV) across all scenarios — the comparison only isolates the property variable if everything else is held constant.
Add at least 3 scenarios: your shortlisted Option A, Option B, and a "do nothing / keep renting" baseline — this forces explicit comparison rather than just evaluating in isolation.
Run each scenario at two appreciation rates (pessimistic 1%, base 3%) to understand the range of outcomes before committing.
The custom tool is most valuable when comparing specific developments at their actual asking prices, not district averages — use actual URA transacted PSF for the development you are evaluating.
If two scenarios produce similar IRR, the tiebreaker is liquidity: check transaction volume and typical days on market for each development.
What It Does
Create fully customised property investment scenarios and compare them side by side. Unlike the preset comparison tool, this lets you define every parameter — price, rent, appreciation, rate, tenure — for each scenario. Perfect for comparing specific condos or investment strategies you are evaluating.
You can find this calculator in the Calculators tab on ShiokNest. It updates results instantly as you adjust inputs — no waiting, no page reloads.
Why It Matters
Generic preset comparisons use district-level averages, but the specific condos you are evaluating may differ significantly from the average. This calculator matters because:
How It Works
Navigate to Calculators — Click the "Calculators" tab in the ShiokNest navigation bar. All 26 calculators are grouped by purpose for easy access.
Select the calculator — Choose "How to Build Custom Scenario Comparisons" from the calculator list. You will see default values already loaded so you can explore immediately.
️ Enter your values — Replace the defaults with your own numbers. The key fields are:
Review the results — The calculator updates instantly as you change any input. Side-by-side comparison of custom scenarios showing ROI, cash flow, and total returns.
Run what-if scenarios — This is where the real power lies. Change one variable at a time to see its impact. For example, try increasing the interest rate by 1% or extending your holding period by 5 years. Note how the results shift.
Compare and decide — Run 2-3 different scenarios and note the results. This gives you a range of outcomes to base your decision on, rather than relying on a single projection.
Examples
OCR vs RCR: $1.5M budget — which specific condo wins on 10-year IRR?
How to read this:
At first glance, the D23 OCR condo appears cheaper. But the custom comparison reveals that D20 RCR's $400/month higher rent more than compensates for the $40K higher price — producing a 0.4% IRR advantage over 10 years. This is exactly the kind of insight district averages miss: these are two specific units, not district composites. The breakeven between the two scenarios appears at around Year 8 — before that point, Scenario A's lower entry cost keeps it marginally ahead. After Year 8, S...
Freehold vs 99-year leasehold at same PSF: does tenure justify the premium?
How to read this:
The $200K freehold premium is real money — but the custom comparison shows it earns back over 10 years due to stronger appreciation. At 3.5% vs 2.5% (reflecting lease decay drag), the freehold property grows ~$484K more in absolute terms. Net of the higher purchase cost, the freehold buyer finishes ~$228K ahead in equity at Year 10. However, at a 5-year hold, the leasehold property actually wins slightly — the $200K upfront premium has not yet amortised. The custom comparison makes the cr...
Tips & Pitfalls
Expert Tips
Use realistic assumptions — Singapore condo appreciation has historically averaged 2-4% per year. Avoid overly optimistic projections. When in doubt, use 3% as a baseline.
Use consistent assumptions — When comparing two condos, keep the interest rate, tenure, and expense ratio the same so you isolate the property differences.
Compare like-for-like — A 2-bedroom vs a 3-bedroom comparison is not apples-to-apples. Match unit types or adjust for size differences.
Common Pitfalls
Cherry-picking favourable assumptions — It is easy to make any condo look good by using optimistic rent and appreciation. Keep both scenarios on equal footing.
Ignoring qualitative factors — Numbers cannot capture school proximity, MRT convenience, or unit facing. Use this as one input, not the final answer.
Frequently Asked Questions
Is my data saved?
No. All calculations run entirely in your browser. Nothing is stored on our servers or shared with third parties.
How many scenarios can I compare at once?
The calculator supports up to 5 scenarios simultaneously. For most decisions, 2–3 scenarios are sufficient — your two shortlisted options plus a keep-renting baseline. Adding more than 3 can make the comparison chart harder to read; use 2 at a time for detailed head-to-head analysis.
Can I save my results?
Log in to save scenarios to your dashboard, or use the share button to copy a URL that encodes your inputs.
What appreciation rate should I use for leasehold vs freehold?
For freehold, use 3–3.5% as a base case. For leasehold with more than 70 years remaining, use 2.5–3% (mild decay drag). For leasehold with 50–69 years remaining, use 1.5–2% (noticeable decay). Below 50 years, use 0.5–1% — capital appreciation is largely absent and liquidity starts to thin. The Lease Decay calculator gives you a more precise estimate for a specific remaining lease.
Should I include renovation costs in the comparison?
Yes if the renovation is needed before rental or occupancy, as it affects your initial cash outlay and therefore IRR. A resale that needs a $60K full renovation has a higher effective entry cost than a new launch that does not. Enter the renovation cost as part of the total acquisition cost for that scenario — not as a separate line item — to get an accurate cash-on-cash comparison.