Rental Yield and ROI Calculator for UAE Property Investors

A quoted yield rarely includes what it costs to buy the property, the weeks it stands empty, the service charge, or the loan. This app works the real figures out for each property so you can compare like with like before you commit.

For each property you enter the price, purchase costs, rent, empty weeks per year, running costs and, if you use one, a loan. The result tiles update as you type: gross yield, net yield, cash invested, year 1 cash flow and cash-on-cash return. A 10-year projection shows rent, costs, loan payments, cash flow, loan balance, value and equity by year, and the annual return (IRR) if you sell at the end of year 10. The Compare tab puts up to four properties side by side with the best value in each row starred.

What is inside:

• Properties: inputs and live results for up to four properties
• Compare: side-by-side table with the best value marked
• 10-year projection with charts of cash flow and equity
• One-pager: an A4 summary to print or save as PDF
• Settings: the default fees and rates for new properties
• Example data (made up) and a README that shows every formula

Transfer and registration fees, agent fees, bank terms and service charges are settings you enter, not rules built in: they differ by emirate, project and lender, so check them with the land department, your broker or your bank. Every result was checked against an independent calculation in 30 random cases, including loan schedules.

How it differs: the loan calculators and spreadsheets in the catalogue cover one loan or one tax. This is the whole property investment view, with fees, vacancy and running costs in the yield.

It is an estimate from your assumptions, not a valuation or a forecast. No tax is calculated. Interest is fixed for the whole loan, one loan per property, and rent, costs and value change once a year.

This is a working tool, not legal, tax or financial advice, and it is not connected to or approved by any government body, regulator or bank. The app stores data in the browser on one device, so back it up with Export.