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

💳 Payment Plan Structure

📋
Standard Plan
Booking: 10%
During Construction: 50%
On Handover: 40%
⚡
Flexible Plan
Booking: 20%
During Construction: 40%
On Handover: 40%
Custom Plan

Define your own payment structure

Total: (Must equal 100%)
Payment Timing: During construction payments are typically split quarterly or monthly. We'll distribute them evenly across the construction period for accurate cashflow modeling.

🏦 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)
Red-Flag Months Detected!

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

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.

Payment Schedule Breakdown

Milestone Date % of Price Amount (AED) Cumulative
Total -

Smart Investment Recommendations

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Frequently Asked Questions

What is an off-plan cashflow projection?
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.
Why are red-flag months important?
Red-flag 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.
How accurate is the rental income projection?
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.
What is DSCR and why does it matter?
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.
Can I save my calculation for later?
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.
How do I account for construction delays?
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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