Calculator

Payment plan calculator

Turn a plan like 60/40 into dated instalments: what you pay on day one, during construction, at handover and after. Start from a common shape or a real developer's schedule.

Real plans from verified projects
Fees included in day-one cash
Share your plan with a link

Day oneAED 327,70010% booking + fees

ConstructionAED 1,000,00012 instalments

HandoverAED 800,000Dec 2029

After handoverAED 0None in this plan

Cash paid over time

Cumulative, AED

At handover

Cash vs mortgage

Paid before the keys, with feesAED 1,327,700

A 50% off-plan loan could coverAED 800,000

Cash still needed at handoverAED 0

Day-one fees: AED 127,700 (4% registration, 2% commission, trustee and admin). Off-plan lending is usually capped near 50% of value and funds at handover. Confirm with your bank.

Instalment schedule

Date	Instalment	Share	Amount	Paid so far
Oct 2026	On booking	10%	AED 200,000	AED 200,000
Jan 2027	Construction 1 of 12	4.17%	AED 83,333	AED 283,333
Apr 2027	Construction 2 of 12	4.17%	AED 83,333	AED 366,667
Jul 2027	Construction 3 of 12	4.17%	AED 83,333	AED 450,000
Oct 2027	Construction 4 of 12	4.17%	AED 83,333	AED 533,333
Jan 2028	Construction 5 of 12	4.17%	AED 83,333	AED 616,667
Apr 2028	Construction 6 of 12	4.17%	AED 83,333	AED 700,000
Jul 2028	Construction 7 of 12	4.17%	AED 83,333	AED 783,333
Oct 2028	Construction 8 of 12	4.17%	AED 83,333	AED 866,667
Jan 2029	Construction 9 of 12	4.17%	AED 83,333	AED 950,000
Apr 2029	Construction 10 of 12	4.17%	AED 83,333	AED 1,033,333
Jul 2029	Construction 11 of 12	4.17%	AED 83,333	AED 1,116,667
Oct 2029	Construction 12 of 12	4.17%	AED 83,333	AED 1,200,000
Dec 2029	On handover	40%	AED 800,000	AED 2,000,000
Total price		100%	AED 2,000,000

Construction instalments are spread evenly between booking and handover. Real schedules often use fixed dates or construction stages, so check the developer's milestone schedule before you sign.

Find projects with a plan like this Read: payment plans, decoded

How the numbers are worked out.

Day one

price × booking% plus 4% registration in Dubai, about AED 4,200 trustee fee, about AED 3,500 administration and, unless you buy direct, 2% commission.

Construction

price × construction% ÷ instalments, one every three or six months from booking until the month before handover.

Handover

100% − booking − construction − after handover. A loan covers up to 50% × price; the rest is cash.

Questions about the calculator.

Where do the real plans come from?

From each developer's published payment schedule, verified on 21 September 2026. Choosing one also loads that project's entry price and handover date.

How are construction instalments spread?

Evenly, every three or six months from booking until handover. Real schedules often use fixed dates or construction stages, so check the developer's milestone schedule.

What is included in day-one cash?

The booking deposit, the 4% Land Department registration fee on a Dubai purchase, a trustee fee of about AED 4,200, developer administration of about AED 3,500 and, unless you buy direct from the developer, a 2% agency commission.

Does the mortgage cover post-handover instalments?

No. Post-handover instalments are developer credit written into your contract, so the calculator applies a loan only to the handover balance.