Investment Planning Tool

PlanPulse™

Off-Plan Cashflow Projector for Dubai Real Estate

Calculate month-by-month cashflow from booking to rental income. Identify red-flag months, optimize your payment plan, and understand your true investment timeline before you commit.

3,847
Calculations Performed
AED 2.1B
Total Investment Analyzed
94%
Investor Satisfaction
1
Property Details
2
Payment Plan
3
Financing & Returns
4
Results

🏗️ Property & Project Details

Enter the total purchase price in AED
As per developer timeline

💳 4-Stage Payment Plan Structure

📋
Standard Plan
1. Booking: 10%
2. During Construction: 50%
3. At Handover: 30%
4. Post Handover: 10%
⚡
Flexible Plan
1. Booking: 20%
2. During Construction: 40%
3. At Handover: 20%
4. Post Handover: 20%
Custom Plan

Define all 4 payment stages

Initial deposit
Installments during build
Payment at delivery
Mortgage/remaining balance
Total: (Must equal 100%)
Payment Structure: During construction payments are distributed quarterly. Post-handover payments are typically financed through mortgage. We model all stages for accurate cashflow analysis.

🏦 Financing & Expected Returns

UAE banks: 50-75% for expats, 80% for UAE nationals
Current market: 4.5% - 6.5%

Expected Rental Returns

Dubai average: 6-8% for apartments
Realistic: 85-95%
Time to find first tenant after handover

Additional Costs & Fees

Standard Dubai Land Department fee
Optional: if furnishing for rental
Typical range: 18-24 AED/sqft
▶ Advanced Options (Delays, Risk Buffers)
Extend handover date for risk planning
Assume higher than advertised
Total Investment Required
Projected IRR
Internal Rate of Return (5-year hold)
Break-Even Period
From handover to positive cashflow
DSCR (Debt Service Coverage)
Compliance Timeline - High Liquidity Months

The following months require significant cash reserves. Plan your finances accordingly:

Due in 2025 (Current Year)
Due in 2026 (Next Year)
Due in 2027
Due in 2028+

Month-by-Month Cashflow Timeline

Outflows (Payments)
Inflows (Rental Income)
Net Cashflow

Cumulative Cashflow Position

This shows your total cash position over time. The break-even point is where the line crosses zero.

4-Stage Payment Schedule Breakdown

Stage Milestone Date % of Price Amount (AED) Cumulative
Total -
1️⃣
Booking
Initial deposit to reserve property
2️⃣
During Construction
Quarterly installments during build phase
3️⃣
At Handover
Payment due at property delivery
4️⃣
Post Handover
Remaining balance (typically mortgage)

Smart Investment Recommendations

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Frequently Asked Questions

An off-plan cashflow projection shows month-by-month money flows from booking to handover and beyond. It includes developer payments, mortgage drawdowns, DLD fees, service charges, furnishing costs, and rental income, helping you identify months with high cash requirements.
High liquidity months occur when multiple large payments coincide (e.g., handover payment + DLD fees + mortgage setup + furnishing). Identifying these in advance lets you plan liquidity and avoid last-minute financing issues.
The calculator uses your input yield percentage and includes a realistic rent-up period. We recommend conservative assumptions (6-8% yield for most areas) and factoring 2-3 months for tenant acquisition post-handover.
Debt Service Coverage Ratio (DSCR) measures rental income versus mortgage payments. Banks typically require DSCR > 1.25. If your DSCR is too low, the property may not qualify for mortgage refinancing.
Yes! Enter your email to receive a detailed PDF report with your complete cashflow timeline, charts, and recommendations. You can also share the results with your financial advisor or co-investor.
Use the Advanced Options section to add delay buffers (typically 3-6 months for Dubai). This extends your negative cashflow period and helps you plan for extended holding costs.

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