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Dubai Off-Plan Payment Plan Calculator – Free Installment Breakdown
Calculate your Dubai off-plan property payment schedule. Visualize milestones, installments, handover payments and the expected return.
Off-Plan Payment Calculator
Disclaimer: All data and calculations are for informational purposes only. Additional costs may arise that are not listed here. This calculator does not constitute any specific offer or financial advice. Always consult a qualified professional before making investment decisions.
Property Details
Investment Assumptions
Annual service charge = area × rate. It applies only after handover.
Payment Overview
1,500,000 AED
Total Price
750,000 AED
During Construction
(50.0%)
750,000 AED
On Handover
(50.0%)
+ 60,000 AEDDubai · 4% · paid upfront
Total incl. DLD1,560,000 AED
6 payment milestones
Payment Phases
💵 Down Payment
DLD fee (4%)Oct 20264.0%60,000 AED
Booking / ReservationApr 202710.0%150,000 AED
Down Payment (SPA signing)Aug 202710.0%150,000 AED
🏗️ Until Handover
1st InstallmentNov 202710.0%150,000 AED
2nd InstallmentMar 202810.0%150,000 AED
3rd InstallmentJun 202810.0%150,000 AED
🔑 At Handover
On HandoverOct 202850.0%750,000 AED
Payment Timeline
DLD fee (4%)
TBD · 4.0%
60,000 AED
Booking / Reservation
TBD · 10.0%
150,000 AED
Down Payment (SPA signing)
TBD · 10.0%
150,000 AED
1st Installment
TBD · 10.0%
150,000 AED
2nd Installment
TBD · 10.0%
150,000 AED
3rd Installment
TBD · 10.0%
150,000 AED
On Handover
TBD · 50.0%
750,000 AED
Payment Schedule
ROI Projection
Estimated value growth, rental income and total gain over time — based on the assumptions on the left. The dashed line marks the handover.
1,749,600 AED
Property Value at Handover
450,000 AED
Total Rental Income
+1,520,736 AED
Total Gain
97.5%
Overall ROI
| Year | Paid-in | Property Value | Rental Income | Total Gain | ROIi |
| 2026 | 60,000 | 1,519,364 | 0 | +19,364 | 32% |
| 2027 | 510,000 | 1,640,913 | 0 | +140,913 | 28% |
| 2028 | 1,560,000 | 1,772,186 | 15,000 | +287,186 | 18% |
| 2029 | 1,560,000 | 1,913,961 | 90,000 | +518,961 | 33% |
| 2030 | 1,560,000 | 2,067,078 | 90,000 | +762,078 | 49% |
| 2031 | 1,560,000 | 2,232,444 | 90,000 | +1,017,444 | 65% |
| 2032 | 1,560,000 | 2,411,040 | 90,000 | +1,286,040 | 82% |
| 2033 | 1,560,000 | 2,570,736 | 75,000 | +1,520,736 | 97% |
Detailed Breakdown
| Milestone | % | Amount | Cumulative |
| DLD fee (4%) | 4.0% | 60,000 AED | 60,000 AED |
| Booking / Reservation | 10.0% | 150,000 AED | 210,000 AED |
| Down Payment (SPA signing) | 10.0% | 150,000 AED | 360,000 AED |
| 1st Installment | 10.0% | 150,000 AED | 510,000 AED |
| 2nd Installment | 10.0% | 150,000 AED | 660,000 AED |
| 3rd Installment | 10.0% | 150,000 AED | 810,000 AED |
| On Handover | 50.0% | 750,000 AED | 1,560,000 AED |
| Total | 100.0% | 1,500,000 AED | 1,500,000 AED |
Guide
How does an off-plan payment plan work in Dubai?
With an off-plan (under construction) property you do not pay the price in one sum but in instalments according to the developer's payment plan: booking deposit, construction instalments, the handover payment and sometimes post-handover instalments. Payments go into a RERA-supervised escrow account.
The calculator loads the common structures (40/60, 50/50, 60/40, 80/20 and post-handover plans) with one click, or you can enter your own milestones. It assigns the instalments to dates and schedules the DLD fee as well.
The return view estimates, from the appreciation, rental yield and service charge you enter, the return on the capital you have actually paid in by the end of the period. It shows how a different payment structure changes the real return of the very same property.
FAQ
Frequently asked questions about off-plan payment plans
What does a 60/40 or 80/20 payment plan mean?
The first number is the share paid until handover, during construction; the second is the share due at handover. With 60/40 you pay 60% of the price during construction and 40% at handover. With a post-handover plan part of the price is due in instalments after handover.
When is the DLD fee due on an off-plan purchase?
For Dubai the calculator schedules the 4% DLD fee as due at purchase. Other emirates may differ: the calculator uses 2% for Abu Dhabi, and 4% due at handover for Ras Al Khaimah and Umm Al Quwain.
Is it safe to invest in off-plan property in Dubai?
In Dubai buyers' payments go into a separate, RERA-supervised escrow account, and the developer and the project can be checked in the DLD system. Construction and delay risk still exist, so the developer's track record and the project schedule are key.
Can I sell an off-plan property before handover?
Usually yes: typically after 20–40% of the price has been paid, with the developer's consent and DLD registration. The exact conditions are set out in the sale and purchase agreement (SPA).
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