Off-Plan Analyzer

The payment plan, as money.

Most Dubai transactions are off-plan, sold on payment plans — 20/40/40, 80/20, post-handover — that make different demands on your cash at different times. This tool turns any plan into its actual timeline: what leaves your account, when, and how the total compares to buying ready. Deterministic arithmetic on the terms you enter. Nothing estimated.

Common structures

Purchase price

AED

Booking payment

During construction

Construction installments

months

At handover

Months to handover

months

Post-handover

Post-handover period

months

DLD fee

Statutory 4%, due at Oqood registrationRegistration / admin fee

AED

DLD's own Oqood fee is AED 20 — anything larger on your invoice is a developer charge. Enter what you're actually quoted.

Day one

AED 363,000

By handover

AED 1,563,000

All-in total

AED 1,563,000

Cumulative outlay, month by month

Month 0 = booking. Marks show plan milestones.

Against buying ready

Ready purchase — cash needed at transferAED 1,594,500

This plan — cash needed day oneAED 363,000

Capital kept working until handoverAED 31,500

Ready-purchase line uses the statutory DLD fee, your admin fee, and a typical 2% agency fee + VAT — all editable assumptions, not advice. Off-plan carries its own risks (delivery, escrow, developer) that no payment plan arithmetic captures.

Every figure is arithmetic on the plan terms you typed. Payment plans are set by developers and vary per project — verify your exact schedule in the SPA before relying on any number here. Informational only; not financial advice.

After handover, run the yield

The payment plan is half the picture. What the property pays you after keys — net of service charges, vacancy, and management — is the other half. The true net yield calculator computes it the same way this page works: your inputs, itemized, checkable.

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