UAE Property Fees Calculator
Calculate all costs of buying property in the UAE: DLD fees, agency commissions, and total upfront costs.
Not sure what to enter?
Try our example to see all the costs involved
Emirate Regulations: This calculator uses Dubai regulations (DLD 4%, RERA fees). Other emirates have similar fees with slight variations:
- Abu Dhabi: 2-5% registration fees
- Sharjah: 3% registration + municipality fees
- Other emirates: Similar transfer fees apply
Mortgage amount: AED 1,600,000
Other Fees (editable)
Adjust your inputs, then click to see your total costs.
About This Calculator
This Property Fees Calculator helps buyers and investors in the United Arab Emirates estimate the total cost of purchasing property, including government fees, agency commissions, and other mandatory charges. Whether you are buying in Dubai, Abu Dhabi, Sharjah, or another emirate, the tool provides a transparent breakdown so you can budget accurately before approaching banks or developers.
What the calculator does. It computes the Dubai Land Department (DLD) transfer fee (4% in Dubai, with different rates in other emirates), the fixed RERA administrative fee, mortgage registration fees when applicable, trustee office fees (for mortgage transactions), and agency commission. You can choose the emirate, property price, down payment percentage, and whether you are using an agent. The result is a clear total of cash needed at transfer and a fee-by-fee breakdown.
Who should use it. First-time buyers, investors, and anyone planning to purchase residential or commercial property in the UAE will find it useful. Expatriates and UAE nationals alike can use it to compare costs across emirates and to see how down payment and use of an agent affect total fees. Financial advisers and real estate professionals may use it for quick client estimates.
Data sources. Fee rates and structures are based on official Dubai Land Department (DLD) practice, RERA published fees, and current market norms for trustee and agency fees. Dubai's 4% transfer fee is mandated under Dubai Law No. 7 of 2006; the AED 580 administrative fee and mortgage registration (0.25% of loan, minimum AED 1,000) follow DLD and RERA guidance. Other emirates' rates are based on their published fee schedules.
How calculations are performed. The transfer fee is property price × (transfer fee rate ÷ 100). Administrative fee is a fixed amount (e.g. AED 580 for Dubai). Trustee fee is user-adjustable with 5% VAT applied. Mortgage registration is 0.25% of the loan amount with a minimum. Agency commission is applied as a percentage of property price, with VAT where applicable. All arithmetic is done in your browser; no server receives your inputs.
Why it's trustworthy. We cite specific regulations (Dubai Law No. 7 of 2006, DLD and RERA) and align our logic with official fee structures. Content is reviewed for compliance with UAE real estate and tax rules. We do not sell your data; calculations are local and confidential.
Data Privacy & Security
All calculations are performed locally in your browser using JavaScript. Your financial data remains on your device and is never transmitted to our servers or any third parties. This calculator operates under a "Privacy-by-Design" architecture ensuring complete data confidentiality.
Regulatory Compliance
This calculator uses official data from the Dubai Land Department (DLD) and the Real Estate Regulatory Agency (RERA). The 4% transfer fee in Dubai is mandated under Dubai Law No. 7 of 2006; administrative and mortgage registration fees follow current DLD and RERA schedules. Fee structures for Abu Dhabi, Sharjah, and other emirates are based on their respective published practices. Last updated: February 2026. All fee structures comply with applicable UAE and emirate-level real estate regulations. Results are estimates only; final amounts are determined at the time of transfer.
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Who Stands Behind This Calculator
Founder & CEO
Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.
Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD
Why Trust This Calculator?
Property Fees Calculator is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.
All calculations reviewed by UAE-based financial experts.
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Guide to Our UAE Financial Calculators
Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.
For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.
Calculation Examples
Gratuity: If you resign after 3 years with AED 15,000 basic (unlimited contract), you receive 21 days’ basic per year for the first 5 years. Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.
Frequently Asked Questions
Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.
How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.
Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.
Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.
Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.
Meet the Expert
Varun Punjabi
CEO & Founder, Yalla Calculators. Over 13 years of professional experience, including a decade in the domain and internet industry. Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.
LinkedInFor methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.