Tools to grow your property, career and mindset

Dubai mortgage / EMI calculator

Monthly instalment for a home loan, with a reducing-balance schedule.

Assumptions: fixed rate for the whole term, monthly reducing balance. Typical UAE Central Bank minimum down payments for properties up to AED 5M: 20% expat first home, 15% UAE national first home, 40% second homes (higher above AED 5M and for off-plan). Rates change often; check with your bank. Estimates only.

Rental yield & ROI calculator

See what a rental property really returns after costs.

Assumptions: all-cash purchase; purchase costs default to about 7% (DLD 4% plus agency and other fees, estimated); rent and service charges flat for 5 years; growth rate is your assumption, not a forecast. Estimates only.

Off-plan payment plan simulator

Pick a plan or set your own split and see every instalment by date.

Assumptions: construction and post-handover amounts are split into equal instalments. Real plans are often tied to construction milestones, and handover dates can move. Always follow your SPA. Estimates only.

Dubai buying costs calculator

Cash needed on top of the price for a ready (secondary) property.

Only the DLD transfer fee (4% of price) is a fixed published rate. Every other figure is an ESTIMATE based on commonly quoted 2025–26 amounts: DLD admin/title deed ~AED 580; registration trustee ~AED 4,000 + VAT (AED 2,000 + VAT below AED 500k); agency 2% + 5% VAT; mortgage registration 0.25% of loan + ~AED 290; bank arrangement up to 1% of loan + VAT; valuation ~AED 3,000. Check current fees with DLD, your bank and your agent.

Golden Visa property eligibility checker

Quick self-check for the UAE 10-year Golden Visa through real estate.

Based on the publicly announced rule: property (one or more) worth at least AED 2 million. Off-plan and mortgaged properties may qualify with conditions (approved developers, bank letter). Rules change; confirm with Dubai Land Department / GDRFA / ICP before acting. This is not legal advice.

Should I buy or rent?

Compare where you would stand after a few years, buying versus renting and investing the difference.

Assumptions: 25-year mortgage; buying costs ~7% upfront (estimate) and ~2% selling cost at the end; the renter invests the down payment, buying costs and any monthly saving at your chosen return. All growth rates are your assumptions, not predictions. Estimates only.

Daily motivation

One thought, one action. A new one every day; tap for more.

Goal planner (saved on this device)

Upgraded from the 90-day planner: set a measurable goal and track 12 weekly targets.

Habit tracker (saved on this device)

Add up to 8 habits and tick them off for the last 7 days.

Bhuna to Burj 30-day challenge

Small daily actions, big change. Tap a day to mark it done. Progress is saved on this device.

Sales script & objection-handling practice

A real estate objection appears. Write or say your answer, then compare it with a model answer using the LAER method (Listen, Acknowledge, Explore, Respond).

Cold-call opener builder

Real estate career readiness quiz

10 honest questions. Find out where you stand and what to do next.

Ask Ritesh — AI coach

Ask about sales, real estate careers, mindset or starting out in Dubai. Answers are AI-generated in Ritesh's coaching style; not financial or legal advice.

Your question goes to an AI model to generate the reply and isn't saved by this site. Don't share personal or financial details.