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Luxury Dubai skyline with modern architecture and golden sunset

Rent vs Buy
Calculator

Make the smartest financial decision for your Dubai property journey. Compare total costs, break-even points, and long-term wealth building potential.

Real-Time Calculations

Instant results

Visual Comparisons

Interactive charts

Dubai Market Data

Current rates

10 Years
1 year30 years

Buying

AED 2.00M
AED 500KAED 10M
25% — AED 500,000
20%90%
4.15%
3.5%7%
25 years
AED 500
AED 2,000
AED 1,500
AED 300

Monthly Ownership Cost

AED 9,134

Renting

AED 8,000
AED 2KAED 30K
3%
0%10%
AED 800
AED 8,000

Monthly Renting Cost

AED 8,067

Comparison Results

Total Spent Renting

AED 1.11M

Over 10 years

Total Spent Buying

AED 1.60M

Over 10 years

Equity Gained (Buying)

AED 2.00M

Property ownership

Break-Even Point

22 Years

When buying becomes cheaper

Recommendation

Based on your inputs, renting is more cost-effective over 10 years.

Renting saves you AED 487,545 in upfront costs and provides more flexibility.

Cumulative Costs Over Time

Monthly Cost Comparison

Benefits of Buying in Dubai

Luxury Dubai property with modern architecture

Build Equity

Every mortgage payment builds ownership. In Dubai's growing market, property values have increased 57.9% since 2020.

Golden Visa eligibility through property investment

Golden Visa Eligibility

Invest AED 2M+ and qualify for 10-year UAE residency for you and your family. No sponsor required.

Tax-free property investment returns

Tax-Free Returns

0% capital gains tax, 0% property tax, 0% income tax. Keep 100% of your investment returns and rental income.

Benefits of Renting in Dubai

Flexible lifestyle with renting

Flexibility

Move freely between neighborhoods. Test different areas before committing to a purchase. Ideal for expats and short-term residents.

Lower upfront costs with renting

Lower Upfront Costs

No down payment, no mortgage fees, no DLD transfer costs. Start living in Dubai with minimal initial investment.

No maintenance responsibilities

No Maintenance Hassles

Landlord handles repairs, maintenance, and property management. Enjoy hassle-free living without ownership responsibilities.

Key Factors to Consider

Golden Visa Eligibility

AED 2M+ property purchase qualifies for 10-year UAE residency

Market Conditions

Dubai property prices up 57.9% since 2020, strong rental demand

Lifestyle Flexibility

Renting offers mobility, buying provides stability and roots

Investment Goals

Buying builds wealth, renting preserves liquidity for other investments

Dubai Real Estate Market Data

AED 2.1M

Average Property Price (Dubai Marina)

AED 8,500

Average Monthly Rent (1BR Apartment)

3.99% - 4.5%

Typical Mortgage Rates (UAE Banks)

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