Dubai Off-Plan ROI Calculator

Cash-flow timing, financing, fees, rent, and multiple exit points

Service charges AED 10–30/sqft Selling costs ~2% + transfer
Cash-on-Cash ROI
0%
Annualized ROI
0%
IRR
0%
Break-even Month
-

Inputs

Purchase Details

Payment Plan

Construction Installments
Post-Handover Payment Plan (deferred)

Financing

Post-Handover & Exit

Outputs

Total Acquisition Cost
-
Total Cash Invested (till exit)
-
Cumulative Net Rent
-
Capital Gain at Exit
-

Sensitivity (±10%)

Rent Δ Price Δ Cash-on-Cash IRR

Cash Flow Timeline

Month Payment Rent Service Charge Mgmt Fee Mortgage Net Flow

Dubai Off-Plan ROI Report

Generated on

Key Metrics

Cash-on-Cash ROI-
Annualized ROI-
IRR-
Break-even Month-
Total Acquisition Cost-
Total Cash Invested (till exit)-
Cumulative Net Rent-
Capital Gain at Exit-

Inputs Summary

Property Price (AED)-
Unit Size (sq ft)-
DLD Fee %-
Other Fees (AED)-
Down Payment %-
Handover Month-
Mortgage Amount (AED)-
Interest Rate %-
Tenure (years)-
Mortgage Start Month-
Exit Month-
Expected Market Value at Exit-
Annual Rent (AED)-
Vacancy Rate %-
SC per sq ft (AED)-
Mgmt Fee %-
Annual Appreciation %-
Selling Costs %-

Payment Plan

TypeMonth% of Price

Cash Flow Timeline

Month Payment Rent Service Charge Mgmt Fee Mortgage Net Flow

Help & Guide

This guide explains how to fill each input and what every table and KPI represents.

Purchase Details

  • Property Price (AED): Base unit price agreed with the developer.
  • Unit Size (sq ft): Used to compute annual service charges (rate × size).
  • DLD Fee %: Typically 4%; set toggle to waived if offered by developer.
  • Other Fees (AED): Oqood/registration and developer admin fees (one-time).
  • Developer waives DLD?: Yes/No toggle that zeroes DLD if Yes.

Payment Plan

  • Down Payment %: Percentage of price paid at month 0.
  • Handover Month: Month index when handover occurs (e.g., 24 = 2 years).
  • Construction Installments: Add rows with Month and % of Price due before handover.
  • Post-Handover Payment Plan (deferred): Rows due after handover, each by Month and %.

Financing

  • Mortgage Amount (AED): Loan principal; set 0 for all-cash.
  • Interest Rate % (annual): Annual nominal rate; monthly rate = annual/12.
  • Mortgage Tenure (years): Loan term; payments = years × 12.
  • Mortgage Starts Month: First month PMT applies (usually handover month).

Post-Handover & Exit

  • Expected Market Value at Exit (AED): Base exit value; appreciation applied over holding period.
  • Exit Month: Month index you sell.
  • Annual Rent at Handover (AED): Gross rent at handover, before vacancy & fees.
  • Vacancy Rate %: Time without tenants; effective rent = Annual Rent × (1 − Vacancy).
  • Service Charge per sq ft: Annual maintenance rate; annual SC = rate × size.
  • Property Management Fee %: % of collected rent paid to manager.
  • Annual Appreciation %: Applied annually to exit value.
  • Selling Costs %: Agency + transfer etc. at exit.

Outputs (KPIs)

  • Total Acquisition Cost: Property Price + DLD Fee + Other Fees.
  • Total Cash Invested: Sum of months with negative net cash flows up to exit.
  • Cumulative Net Rent: Sum of (Effective Rent − Service Charges − Mgmt); excludes mortgage.
  • Capital Gain at Exit: Approx. Appreciated Value − Purchase Price − Selling Costs.
  • Cash‑on‑Cash ROI: (Capital Gain + Cumulative Net Rent) ÷ Total Cash Invested.
  • Annualized ROI: Compounded return over holding years.
  • IRR: Internal Rate of Return from monthly net cash flows (includes mortgage & sale).
  • Break-even Month: First month cumulative net becomes positive.

Tables

  • Cash Flow Timeline: Month-by-month: Payment (outflows), Rent (inflows incl. sale at exit), Service Charge, Mgmt, Mortgage, and Net Flow (sum).
  • Sensitivity (±10%): Grid varying rent and price by −10%, 0%, +10% showing Cash‑on‑Cash and IRR.

Dubai Tips

  • DLD usually 4% (toggle waiver if offered).
  • Service charges often AED 10–30 per sq ft annually.
  • Selling costs commonly ~2% agency + transfer.
  • Typical yields: Downtown ~5–6%, suburbs ~7–8%.