Abu Dhabi Property Investment Calculator
Test an Abu Dhabi property investment before you commit: cash needed on day one, monthly loan payment, cash flow after all costs, net yield and cash-on-cash return.
Indicative simulation only. It is not an offer, an approval or financial advice. Prices, rents, rates, costs and growth are the values you enter. Always confirm the figures with the developer, your lender and the competent authorities.
What the calculator measures
Enter the price, your down payment, the loan terms and the rent and costs you expect for a property in Abu Dhabi. The calculator shows the cash you need on day one, the monthly loan payment, the monthly cash flow after all costs and the cash-on-cash return.
How each result is calculated
A negative cash flow means you top up every month. Change the down payment, the term or the rent to see where it turns positive.
- Cash invested = down payment + purchase costs.
- Monthly loan payment: standard repayment formula on the loan, at the rate and term you enter.
- Monthly net rent = rent × (1 − vacancy) × (1 − management fee) − service charges ÷ 12 − other monthly costs.
- Monthly cash flow = monthly net rent − monthly loan payment.
- Cash-on-cash return = annual cash flow ÷ cash invested.
Financing limits in the UAE
The Central Bank of the UAE caps the loan-to-value ratio. For an expatriate it is 80% of the value for a first home below AED 5 million, 70% above, and 60% for a second home or an investment property. For property bought off plan it is 50%. UAE nationals have higher limits (85%, 75% and 65%). The maximum term is 25 years and lenders may apply lower limits.
Frequently asked questions
Which purchase costs should I include?
Include the registration and transfer fees charged in Abu Dhabi, the agent commission and any developer fees. Check the current amounts with the competent land authority before you rely on them.
Is the cash flow before or after the loan payment?
After. The monthly cash flow is the net rent minus the loan payment. Enter a 100% down payment to see a cash purchase.
Can I use it for an off-plan property?
Yes, for the period after handover, when the rent starts. For the instalments during construction, use the payment plan calculator.