UAE Investment Calculator 2026

Total return combines property appreciation (your entered annual rate, compounded over the holding period) plus net rental income (rent after the vacancy rate you set), minus expenses — annual maintenance, property management fees, and the one-time property transfer/registration fee for your selected emirate.

Gross yield is annual rental income divided by property price. Net yield subtracts maintenance, management fees, vacancy, and the transfer fee to show your real return — always use net yield, not gross, when comparing properties.

The UAE currently has no capital gains tax or VAT on individual investment or property sale gains, so this calculator does not deduct any tax from your results. Tax rules can differ if you are subject to tax obligations in another country — verify your own position with a tax adviser.

SIP (Systematic Investment Plan) growth is calculated using a standard compound-interest annuity formula on your fixed monthly contribution and expected annual return. Small differences in the assumed return rate compound significantly over long periods, so test a conservative and an optimistic scenario rather than relying on one number.

No. Transfer/registration fees are set by each emirate's own land authority — Dubai's Dubai Land Department (DLD) fee is 4%, Abu Dhabi's registration fee is 2%. Select your emirate correctly, or adjust the fee field, to avoid overstating or understating this one-time cost.