ROI Calculator
Run the numbers before you wire the deposit.
Interactive investment calculator with mortgage math, net yield after service charges, and a 5-year appreciation projection. Plug in your numbers — see the truth.
Property
Mortgage
Assumptions
6.0%
Gross yield
3.8%
Net yield
AED 8,337
Monthly EMI
−AED 24,050
Annual shortfall
Annual breakdown
Gross rental incomeAED 120,000
− Service charges (15 × 1200 sqft)AED 18,000
− Maintenance (1%)AED 20,000
− Vacancy (5%)AED 6,000
Net rental incomeAED 76,000
− Annual mortgage (AED 8,337/mo)AED 100,050
After mortgage-AED 24,050
5-year projection (5% annual appreciation)
| Year | Property value | Capital gain | Cum. net rent | Total return | ROI on equity |
|---|---|---|---|---|---|
| Year 1 | AED 2,100,000 | AED 100,000 | AED 76,000 | AED 176,000 | 35% |
| Year 2 | AED 2,205,000 | AED 205,000 | AED 152,000 | AED 357,000 | 71% |
| Year 3 | AED 2,315,250 | AED 315,250 | AED 228,000 | AED 543,250 | 109% |
| Year 4 | AED 2,431,013 | AED 431,013 | AED 304,000 | AED 735,013 | 147% |
| Year 5 | AED 2,552,563 | AED 552,563 | AED 380,000 | AED 932,563 | 187% |
ROI calculated on equity (down payment of AED 500,000). Appreciation and rent growth are assumptions, not guarantees.