Dubai investment calculators: the six sums that decide
Six calculators, each answering a question we are asked in meetings. They run in your browser, need no sign-up, and show every assumption they make — including the ones you will not like.
Does this property really earn what the developer claims? The calculator deducts service charges, vacancy, management and purchase costs, then shows the gap between the advertised gross yield and the net yield you keep.
Gross, net and the gap between themCash flow and payback period
How much do you need on top of the asking price? Dubai Land Department transfer fee, agency commission, trustee office, developer NOC, title deed issuance — and mortgage registration if you borrow.
The total amount to set asideLine by line, editable
Free zone, mainland or offshore: which one fits what you will actually invoice, and to whom? The comparator sets the costs, the constraints and access to the local market side by side.
Set-up and running costsWhat each structure rules out
Does your situation qualify you for ten-year residency? The test covers the thresholds, the types of property and investment that count, and the documents the application requires.
From what point does your company have to pay, and how much? The taxable threshold, the tax base, VAT, and what the free zone regime changes — or does not.
Estimated tax for the financial yearRegistration thresholds
When will you have to pay each instalment, and how much? The planner maps every payment up to handover, and shows what is still owed after you receive the keys.
Instalment calendarBalance due after handover
Our approach
The numbers before the decision
Dubai property is still too often sold with a brochure, a double-digit yield and a sea view.
We have advised investors and entrepreneurs since 2006, and we have seen what a decision made
on a glossy leaflet leads to: buyers who discover their tower’s service charges after the
fact, founders who learn after incorporation that they cannot invoice their first local
client.
Putting a number on an assumption before discussing it changes the conversation. Three rules
govern these calculations, and they bind us more than they bind you.
Every assumption is visible. Every rate, flat fee and threshold applied is
shown on screen and can be changed. If a value looks wrong to you, change it and see what
it moves.
Every figure is traceable. Each default value is recorded in an internal
register with its presumed source and its verification status. Until a value is
confirmed, it is presented as a working value, not as an official rate.
Your data stays with you. The calculations run in your browser, with
nothing sent to us or kept by us, and the result appears straight away, with no form to
fill in.
The consequence is deliberate: some results will be less flattering than you hoped. A net
yield of 4.8% where the starting assumption was 7% is not bad news. It is the information
you needed before signing.
The limits
What these tools do not replace
Two conversations, precisely, that no calculation can have on your behalf.
A conversation about a specific building
A calculator works in orders of magnitude. A decision is about one building, with its
service charge rate, its developer, its delivery record, its share of owner-occupiers, the
real state of its reserve fund and the depth of its rental market. Two neighbouring towers at
the same price per square foot do not behave the same way when you re-let or resell. That
cannot be calculated: it has to be checked, document by document.
A conversation about your tax position
None of these tools applies personal tax, and that is deliberate. An investor’s tax depends
on their tax residence, on the country they are leaving or keeping ties with, on the
applicable tax treaty and on the make-up of their assets. The question is not only what the
UAE levies: it is also what your home country continues to levy, and on what conditions it
stops. That needs an individual review, and it is not something you settle with a slider.
What these tools are not
They are not investment advice, not tax advice and not a commitment to any outcome. They
produce an order of magnitude from the assumptions you enter. A calculation is never worth
more than its assumptions.
Frequently asked questions
What people ask us
Are these calculators free, and do I need an account?
They are free and need no sign-up. The calculations run in your browser: nothing you enter is sent to us or stored by us. You can close the page without leaving a trace anywhere but in your own browser.
Where do the default rates and fees come from?
They are working values drawn from the cases we handle, not official schedules or market averages. Each one is recorded in an internal register with the status ‘to verify’, shown on screen and editable. You can judge whether the assumption fits your case, and change it if it does not.
Can I share a result with my accountant?
Yes. The page address updates as you type: copy it, and whoever opens it sees exactly the same calculation, with your assumptions. It is also the simplest way to send us your scenario before a call.
Can a calculator replace advice?
No, and none of these claims to. A calculation deals in averages; a decision deals with a specific building, a specific developer and a personal tax position. These tools help you rule out quickly what does not hold up, and arrive at a meeting with the right questions.
Your numbers, reviewed by someone who has done the deal
Send us the scenario you have just calculated — the page link is enough, it holds your assumptions. We will tell you which ones hold up, which are optimistic, and what is missing from the picture.