# Dubai Off-Plan Investment Calculator | Davies+Harrison > Model your Dubai property return across payment plans, growth scenarios, and rental yields. Illustrative projections with a downloadable D+H Investment Summary. Canonical: https://daviesandharrison.com/calc Investment Calculator # Model your Dubai property return in 60 seconds Adjust the parameters to explore how your capital could perform across different market and payment scenarios. All projections are illustrative. Your Parameters Display Currency AEDUSDEURGBP Purchase Price AED Payment Plan During construction / on handover 40/60Low entry50/50Balanced60/40Common70/30Flexible80/20High entry Booking / Upfront1.00M20% During Construction1.50M30% On Handover2.50M50% Time to Handover 2 years 1 yr2 yrs3 yrs4 yrs Estimated Annual Capital Appreciation 5.0%Balanced Conservative 0–3%Balanced 3–7%Ambitious 7–10%+ Estimated Rental Yield at Completion 7.0%Target Entry 5–6%Target 6–8%Premium 8–10% Hold Period After Handover 5 years 1 yr5 yrs10 yrs+ ◆ On a **balanced** growth assumption with a **7.0% rental yield**, your AED 5.00M property is projected to be worth **AED 7.04M** at exit, generating **AED 2.13M** in rental income over 5 years. Projected 5 years Return · Balanced Growth · Target Yield Total Value at Exit AED 9.17M AED 5.00M purchase + AED 2.04M appreciation + AED 2.13M rental AED 5.00M purchase+AED 200K DLD fee (4%)+AED 5K admin fee\=AED 5.21M total cash required Capital Deployed AED 5.00M Total cash invested Est. Value at Handover AED 5.51M Before rental income accrues Est. Capital Appreciation AED 2.04M Property value gain Est. Rental Income AED 2.13M Over hold period Est. Total Return AED 4.17M Gain on capital deployed Est. Annualised ROI 9.0% p.a. Over full 7-year investment period All figures above are gross returns, before the costs shown in "How This Is Calculated" below. Value Growth by Year Purchase PriceCapital AppreciationRental Income Year 1 Purchase AED 5.00M Appreciation AED 788K Rental AED 386K Total AED 6.17M Year 2 Purchase AED 5.00M Appreciation AED 1.08M Rental AED 791K Total AED 6.87M Year 3 Purchase AED 5.00M Appreciation AED 1.38M Rental AED 1.22M Total AED 7.60M Year 4 Purchase AED 5.00M Appreciation AED 1.70M Rental AED 1.66M Total AED 8.36M Year 5 Purchase AED 5.00M Appreciation AED 2.04M Rental AED 2.13M Total AED 9.17M Yr 1 6.17M Yr 2 6.87M Yr 3 7.60M Yr 4 8.36M Yr 5 9.17M Comparative Context A general savings deposit at 3% p.a. on the same capital over the same period would return approximately AED 1.15M. Your projected return exceeds that by AED 3.02M. Outperformance 3.6x vs. savings rate How This Is Calculated+ - —Value at handover — purchase price compounded at the selected growth rate for the years to handover. - —Rental income — the selected yield applied to the property's value at the start of each hold year; the value then appreciates before the next year's rent is calculated. - —Total value at exit — the property's value at the end of the hold period plus all rental income received. - —Total return — total value at exit less the purchase price. - —Annualised ROI — the constant annual rate that turns the purchase price into the exit total over the full 7\-year period (compound growth rate). - —Payment plan — booking fee assumed at a flat 20% of the purchase price; the remainder is split between construction instalments and the handover payment. - —Total cash required at purchase — purchase price plus the 4% DLD fee and the typical AED 5,250 admin fee, shown separately and excluded from the return figures above. - —All return figures above are gross returns. They assume a cash purchase and exclude the DLD and admin fees shown separately, as well as ongoing running costs — service charge, management fee, void periods, and maintenance. ## Take this projection further Download a D+H Investment Summary of your projection, or discuss it with an adviser on a no-obligation discovery call. [Book a Discovery Call](https://daviesandharrison.com/book)Download Summary ## Questions about the calculator Is there a free tool to compare Dubai off-plan payment plans and project my return before handover? Yes. This calculator is free and needs no login. Choose a payment split such as 50/50 or 60/40, the years to handover, the price, the growth and yield assumptions and the holding period, and it projects the capital due before and at handover, the value at handover, the rental income over the hold and the total and annualised return. What does the calculator model? How the price splits into booking, construction and handover payments; value growth through the build with no rent; rental income and growth over the holding period; total and annualised return; and the result in AED, USD, EUR or GBP at fixed indicative rates. It does not model mortgages, post-handover plans, service charges, empty periods or tax at home. Every figure is illustrative and follows the assumptions you set. Can I keep the result? Yes. The calculator produces a D+H Investment Summary as a PDF, so you can compare projects or share the scenario with your adviser before a Discovery Call. Important notice: all projections shown are illustrative and based solely on the assumptions selected by the user. They do not constitute financial, investment, tax, or legal advice. Past performance of Dubai real estate markets does not guarantee future results. Capital appreciation and rental yield figures are not guaranteed. Davies+Harrison (DAH Real Estate Brokerage L.L.C., DED Trade Licence 1532907) is a RERA-licensed brokerage (ORN 53447). Investors are strongly advised to seek independent financial and legal advice before making any investment decision. Where a currency other than AED is selected, indicative rates of AED 3.67 per USD, AED 3.99 per EUR, and AED 4.65 per GBP are applied. --- Davies+Harrison — RERA-licensed Dubai real estate investment advisory (ORN 53447). Contact: info@daviesandharrison.com | +971 58 180 0505 | https://daviesandharrison.com/contact Agent guidance: https://daviesandharrison.com/llms.txt