UAE · READY HOMESYour home budget, in view.
In 5 years, your savings could support a home around
For the deposit, fees and a retained cash cushion.
Your savings over time
From today to 5 years
How this is calculated
Your existing fund plus monthly savings gives your projected purchase cash. We work backwards to find the highest home price that fits after the deposit, buying costs and retained cushion. It is a cash-supported estimate, not a mortgage approval.
Purchase costs for a home priced at AED 1,130,655.
View annual savings values
| Month | Your contributions | Total home fund |
|---|---|---|
| Today | AED 0 | AED 0 |
| Month 12 | AED 72,000 | AED 72,000 |
| Month 24 | AED 144,000 | AED 144,000 |
| Month 36 | AED 216,000 | AED 216,000 |
| Month 48 | AED 288,000 | AED 288,000 |
| Month 60 | AED 360,000 | AED 360,000 |
Buyer profile, fees & assumptionsDubai · Expat resident · Ready first home
For a first owner-occupied completed home. Off-plan payment schedules, non-resident and additional-property lending need a separate model. Presets are estimates, not quotes.
Up to AED 5m: 20% expat / 15% national. Above AED 5m: 30% / 25%. A bank may require more.
Edit purchase costs
Dubai's default 4% buyer-paid transfer fee assumes you pay both sides; the official split is 2% buyer / 2% seller. Your contract decides. Agency and bank charges are editable illustrations. Mortgage costs drop out at a 100% down payment.
Confirm any extra trustee or admin VAT. Avoid double-counting combined transactions.
Legal, NOC, adjustments, utilities, moving and furnishings.
Money kept after completion. Do not count separate emergency savings twice.
Growth scenarios
Optional assumptions, not forecasts. The default is 0% for all three. Savings return is annual effective net return; losses are possible. Fixed fees and cash cushion remain nominally unchanged.
Check the monthly mortgage commitmentSeparate from having the deposit
A deposit alone does not establish affordability. This optional check estimates principal and interest, plus the monthly costs you enter. It does not assess lender approval, eligibility, variable-rate changes or every ownership cost.
Monthly living costs after buying. Exclude current rent and the mortgage.
Service charges, insurance, maintenance and any other housing costs.
Uses projected monthly income at month 60. Zero expenses mean not yet entered, not no expenses. Decide what remaining buffer you need; this is not a “comfortable” or approved budget.
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Optional saved inputs stay only in this browser. Nothing is sent to a lender.