Free Dubai property ROI calculator. Models gross + net rental yield, service charges, mortgage interest, capital appreciation, and 5-year IRR in AED and USD. DLD-grade default assumptions.
Gross yield equals annual rent divided by purchase price. Net yield subtracts service charges (10–15% of rent), agent commission on rental (5%), and any mortgage interest. Total ROI is net yield plus annual capital appreciation. Dubai's 2026 average lands at 4.8% net yield + 4–6% appreciation, giving total ROI of 8.8–10.8% before tax. Use the calculator below to model your specific property.
Defaults reflect Dubai market medians for a mid-market AED 1.5M apartment, Feb 2026. Edit any field — results update instantly.
Educational illustration only. Actual returns depend on financing terms, void periods, area-specific service charges, and market conditions. Currency conversion uses the fixed AED/USD peg of 3.6725.
Enter your purchase price, expected annual rent, service charges (AED/year), and optional mortgage details. The tool computes gross yield, net yield after operating costs, leveraged cash-on-cash return, and a 5-year forward IRR assuming Dubai's long-run 4.5% appreciation. Results display in both AED and USD (peg = 3.6725). All assumptions are editable.
Use these as sanity checks. Apartments AED 600K–4M, villas AED 3M–25M+. Annual rent typically 5–9% of purchase price. Service charges AED 12–22/sqft/year for apartments. Mortgage rate 3.99–5.49% (5-year fixed). DLD transfer 4% one-time at purchase. Reservation fee + agent commission another 3% one-time.
