Mortgage & ROI Calculator
Model the monthly instalment and the full financing plan of a Dubai property.
Free tool
Dubai ROI Calculator – Free Investment Return Calculator
Calculate your Dubai property investment ROI, net rental yield, and cash-on-cash return. Free tool with mortgage simulation and multi-year projections.
ROI & Yield Calculator
Disclaimer: All data and calculations are for informational purposes only. Additional costs may arise that are not listed here. This calculator does not constitute any specific offer or financial advice. Always consult a qualified professional before making investment decisions.
Property Details
Acquisition Costs
Annual Recurring Costs
Mortgage Simulation
Projection
Key Metrics
6.00%
Gross Yield
3.84%
Net Yield
3.63%
Cash-on-Cash Return
4,803 AED
Monthly Net Income
27.6 years
Break-even
45.47%
5-Year Total ROI
101.64%
10-Year Total ROI
Acquisition Breakdown
| Property Price | 1,500,000 AED |
| DLD Fee | 60,000 AED |
| Agent Fee | 30,000 AED |
| Furnishing | 0 AED |
| Total Acquisition Cost | 1,590,000 AED |
| Your Cash Invested | 1,590,000 AED |
Annual Cash Flow
| Effective Rental Income | 81,000 AED |
| Service Charge | -17,000 AED |
| Management Fee | -4,050 AED |
| Insurance | -1,500 AED |
| Maintenance | -810 AED |
| Net Annual Income | 57,640 AED |
Investment Projection
Expense Breakdown
Guide
How does the Dubai ROI calculator work out your return?
The calculator starts from the purchase price, the expected annual rent and the occupancy rate, then deducts the annual costs: the per-square-foot service charge, the management fee, insurance and maintenance. One-time costs – the DLD transfer fee, the agent commission and furnishing – are added to the capital you invest.
You get the gross and net rental yield, the cash-on-cash return, the monthly net income and the break-even period. With the mortgage simulation switched on, it also calculates the return on your own capital from the down payment, interest rate and loan term.
The multi-year projection assumes rents rising by 3% and costs by 2% a year, while you set the annual appreciation yourself. These are assumptions, not forecasts: always check the numbers of a specific project against real market data.
FAQ
Frequently asked questions about Dubai rental yields
What is the difference between gross and net rental yield?
Gross yield is the annual rent divided by the purchase price, before any costs. Net yield starts from the rent adjusted for occupancy and deducts the service charge, management fee, insurance and maintenance (and the mortgage payments, if any). For an investment decision, the net yield is what counts.
What does cash-on-cash return mean?
It shows the annual net income relative to the cash you actually invested – down payment, DLD fee, commission and furnishing. With a mortgage it can differ considerably from the net yield, so it is worth watching both.
What costs come with a rented-out property in Dubai?
One-time costs are the 4% DLD transfer fee, the agent commission and furnishing. Annual costs are the service charge (AED per sq ft), the letting management fee, insurance and maintenance. Dubai has no annual property tax; check your tax obligations in your country of residence with a tax adviser.
How accurate is the result?
The calculation is indicative and only as accurate as your inputs. Real rents, occupancy and service charges vary by area and building. If you are looking at a specific project, we can check the numbers together with real market data in a free consultation.
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