Dubai Property ROI Calculator: Measure Your Investment Return
Rental yield alone doesn't capture the full return of a Dubai property investment. This ROI calculator combines rental income with projected capital appreciation to show your total return — whether you buy in cash or with a mortgage.
≈ AED 96,000 / year
Service charges, maintenance, management, insurance.
More options
Furnishing, fit-out, etc.
Return on Investment (ROI)
5.1%
- Net income / year
- AED 81,000
- Transfer costs
- AED 99,820
- Total investment
- AED 1,599,820
- Mortgage payments / year
- AED 80,040
- Annual cash flow
- AED 960
- Cash invested
- AED 399,820
- Cash-on-cash ROI
- 0.2%
- Capital gain
- AED 414,422
- Total return
- 51.2%
With appreciation (5% / yr, 5 yr)
How to read this
ROI is annual net income over total invested capital. Cash-on-cash measures after-mortgage cash flow against cash actually put in. Transfer costs assume an apartment/office; capital gain assumes constant appreciation and is not guaranteed.
What this calculator measures
- Annual rental return after ownership costs.
- Projected capital appreciation over your holding period.
- Cash-on-cash return — your actual return on the money you put in, which leverage can amplify.
Why cash-on-cash matters
When you finance a purchase, your invested capital is just the down payment and fees — not the full price. A property appreciating 5% per year can produce a much higher return on your actual cash when financed sensibly.
Projections are illustrative and based on your assumptions. Past market performance does not guarantee future results.
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