Dubai Property Capital Gains Calculator
Model your Dubai property exit. Enter your acquisition cost, holding period and expected sale price to instantly see net proceeds, total return %, annualized IRR and equity multiple. Built by MRK Real Estate using the same exit analysis we run for AED 5M+ portfolio clients.
Your Property Details
DLD (4%) + Agent (2%) + NOC + Mortgage registration
Standard: 2% (split between agents)
4% if seller pays; 0% if buyer pays
Max AED 10,000 per UAE Central Bank
Positive if rental income exceeded holding costs; negative if net cost
Your Exit Summary
Net Profit
AED 0
Total Return
0.0%
Annualized IRR
0.0%
Equity Multiple
0.00x
Detailed Breakdown
Zero Tax: The UAE has zero capital gains tax. Your entire net profit is tax-free. This calculator does not include any tax (because there is none).
How Dubai Exit Returns Work
Zero Capital Gains Tax
UAE residents pay zero income tax and zero capital gains tax on property sales. Your entire profit is tax-free. This is a fundamental advantage of Dubai real estate versus most global markets where cap gains can be 15–40%.
DLD on Resale (4%)
The Dubai Land Department charges 4% transfer fee on all resales. Traditionally the buyer pays this, but in competitive markets sellers often split or cover it. Our calculator lets you toggle who bears this cost. Plan for 2–4% if negotiating a split.
Agent Commission Convention
Standard Dubai agent commission is 2% of sale price, typically split between buyer and seller agent (1% each). Some luxury agents negotiate lower rates at 0.75–1.5% on trophy deals. Our default is 2%; adjust down if you have broker leverage.
Early Mortgage Settlement Fee
If selling before loan maturity, most banks charge 1% of outstanding balance (capped at AED 10,000 per UAE Central Bank rules). Confirm your exact fee with your lender. Our calculator defaults to AED 10,000; adjust if you have a smaller balance.
IRR vs. Total Return
Total Return % = (Net Profit ÷ Initial Cash Invested) × 100. Annualized IRR = ((1 + Total Return) ^ (1 / Years)) − 1 × 100. IRR accounts for holding period and time value of money. Dubai luxury typically delivers 8–15% annualized IRR on 5+ year holds.
Dubai Resale Costs Cheat Sheet 2026
Luxury Villa
AED 3–10M. Emirates Hills, Palm Jumeirah, Jumeirah Islands.
- Agent comm: 2% = AED 60–200k
- DLD: 4% = AED 120–400k
- Mortgage settlement: AED 10k
- Total: 6–6.5%
Luxury Apartment
AED 1.5–4M. Downtown Dubai, Dubai Marina, Business Bay.
- Agent comm: 2% = AED 30–80k
- DLD: 4% = AED 60–160k
- Mortgage settlement: AED 10k
- Total: 6–6.5%
Mid-Market Apartment
AED 800k–1.5M. JVC, Arjan, Dubai South.
- Agent comm: 2% = AED 16–30k
- DLD: 4% = AED 32–60k
- Mortgage settlement: AED 10k
- Total: 6–6.5%
Note: If you pay DLD on sale (instead of buyer), add 4% to costs. If agent negotiates lower commission, subtract the difference.
Frequently Asked Questions
Does Dubai tax capital gains?
No. The UAE has zero capital gains tax and zero income tax for individuals. Any profit from selling a property is entirely yours. This is a major advantage versus most developed markets where cap gains tax can run 15–40%.
Who pays DLD on a resale?
Traditionally the buyer pays the 4% Dubai Land Department fee. In competitive markets, sellers often negotiate to split or cover DLD to attract buyers. Always agree this explicitly in your purchase contract. Our calculator lets you toggle this assumption.
How much is an early mortgage settlement fee in UAE?
The UAE Central Bank caps early settlement fees at 1% of the outstanding loan balance or AED 10,000, whichever is lower. Most banks apply the lower cap. Confirm your exact fee with your lender before selling.
What IRR is realistic for Dubai luxury property?
Dubai luxury properties (AED 2M+) historically deliver 8–15% annualized IRR when combining rental yield and appreciation over 5+ year holds. Premium villas may see 6–10% IRR; emerging communities can exceed 15%. IRR depends heavily on acquisition price, timing and value-add execution.