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Plan · Tool 34
Total cost of ownership
Acquisition, financing, holding, works and value-linked exit costs in one horizon view.
Decision questionWhat will this property really cost to own—not just to buy?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerScenario result
Unrecoverable ownership cost
S$535,472Duties, interest, recurring costs, works and estimated exit cost over the entered horizon.Cost per monthS$6,375
Interest costS$243,798
Expected exit valueS$2,067,634
Decision shaperelative scale
NAVARO read
The property must create more than $535,472 of use, income or appreciation to cover the displayed ownership 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.
01Acquisition duties + legalS$62,600
02Mortgage interestS$243,798
03Recurring holding costsS$84,000
04WorksS$100,000
05Estimated exit costS$45,074
06Total unrecoverable costS$535,472