Property Costs & Benefits Calculator

About This Tool

Deciding whether to rent or buy is a major financial decision with both opportunities and risks. This tool provides a simple, indicative estimate of the potential costs and benefits based on your inputs.

Results are for informational purposes only and may vary with real-world conditions. You should do your own research and consult qualified professionals before making any financial decisions.

🏡 Property

Currency

Study Period (Years) ?

The number of years over which the analysis is run. Used for all sections including property sale, mortgage, and cumulative cost calculations.

Property Price

AED

Property Upgrade Cost ?

Renovation or fit-out costs. Added to the property price to form the total acquisition cost, which is used as the base for all calculations including running costs and rental yield defaults.

AED

Closing Costs ?

Defaulted to 10% of the property price. This is an estimate — actual closing costs vary by location and transaction. Possible costs include registration fees, broker commissions, legal and mortgage fees, inspections, insurance, and taxes.

AED

Default: 10% of property price

Adjust pre-filled values

Adjust rental income, running costs, sale, mortgage and DCF assumptions

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🔑

Rental Income

Not configured yet

▾

First Year Rent

AED

Default: 5% of property price

Yearly Increase in Rent

Occupancy Rate ?

The percentage of time a property is occupied or rented out over a given period.

Effective rent: —

🔧

Running Costs

Not configured yet

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First Year Running Costs ?

Examples include annual service charges, repairs and renovations, property taxes, insurance premiums, and other miscellaneous expenses. Defaults to 2% of property price.

AED

Default: 2% of property price

Annual Cost Increase

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Property Sale (Optional)

Not included

▾

Property not sold — resale value excluded from results.

🏦

Mortgage (Optional)

No mortgage — cash purchase

▾

No mortgage — full cash purchase assumed.

📉

Discounted Cash Flow (DCF)

Off — nominal values only

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DCF disabled — results shown at nominal (undiscounted) values only.

Summary — Nominal (Undiscounted)

NET SAVINGS

—

vs. renting for the same period (cumulative rent minus total cost of ownership)

Total Cost of Ownership

—

Purchase + running + mortgage

Total Rent

—

Cumulative rent over study period

Property Value at End

—

Estimated resale value

Key Metrics

Break-even Year

—

When owning becomes cheaper than renting

Net Rental Yield

—

Effective rent minus running costs ÷ acquisition cost

Occupancy Rate

—

% of time property is rented out

Monthly Cost of Ownership

—

Running costs + mortgage ÷ 12

Required Rent (Break-even) ?

The minimum annual effective rent needed to achieve a positive net result over the study period, given all other inputs.

—

As % of property price

Total Return on Investment ?

Net savings plus property appreciation (if sale is on) as a percentage of total initial outlay.

—

Net savings ÷ initial outlay

Cumulative Costs vs Rent

Cumulative Costs Cumulative Rent

Scenario Comparison

Save current scenario to compare