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Returns · Tool 28
Equity builder
Splits the mortgage payment into interest and principal funded by rent and owner top-up.
Decision questionHow much equity is built despite a monthly top-up?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerPasses entered checks
Principal repaid
S$128,489Shows the equity built through amortisation and how much of the payment stream the entered rent funds.Rent contributionS$300,000
Owner top-upS$0
Remaining balanceS$996,511
Decision shaperelative scale
NAVARO read
Every $1 of displayed owner top-up builds about $0.00 of principal over the horizon, before other costs.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Total mortgage paymentsS$277,354
02Rent receivedS$300,000
03Owner top-upS$0
04Principal repaidS$128,489
05Interest paidS$148,865