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Dubai investment math

Dubai Property Investment Calculator

All-in ROI on a Dubai investment property: purchase + DLD + agent + financing + service charges + appreciation + exit fees. The number every Dubai property investor should know.

Property

Financing

Market assumptions

IRR (annualised return)

14.66%

Total return (10y)

AED 1,166,411

+243% on cash invested

Cash invested

AED 480,000

Down payment + closing

Year 1

  • Property valueAED 1,560,000
  • EquityAED 458,230
  • Cash flowAED 13,659

Year 5

  • Property valueAED 1,824,979
  • EquityAED 828,611
  • Cash flowAED 31,409

Year 10

  • Property valueAED 2,220,366
  • EquityAED 1,388,997
  • Cash flowAED 57,895

Year-by-year breakdown

YearNOIMortgageCash flowProperty valueMortgage balanceEquity
Y192,50078,84113,6591,560,0001,101,770458,230
Y296,68078,84117,8391,622,4001,077,354545,046
Y3101,02778,84122,1861,687,2961,051,691635,605
Y4105,54878,84126,7071,754,7881,024,718730,070
Y5110,25078,84131,4091,824,979996,368828,611
Y6115,14078,84136,2991,897,979966,570931,408
Y7120,22678,84141,3851,973,898935,2511,038,646
Y8125,51578,84146,6742,052,854902,3331,150,520
Y9131,01578,84152,1742,134,968867,7351,267,233
Y10136,73678,84157,8952,220,366831,3691,388,997

Exit at year 10

  • Property value+AED 2,220,366
  • Less: exit fees (4%)−AED 88,815
  • Less: mortgage outstanding−AED 831,369
  • Net sale proceedsAED 1,300,183
  • + Cumulative cash flow (10y)+AED 346,228
  • − Initial cash invested−AED 480,000
  • Total returnAED 1,166,411