Plan any Dubai property or home decision in seconds. These free calculators estimate your
DEWA bill, Dubai Land Department (DLD) transfer and mortgage fees, the total cash to buy a home, your monthly
mortgage and affordability, AC tonnage, paint and tile quantity, annual maintenance, smart-home budget and
pool volume. Every tool runs entirely in your browser, with no sign-up and no cost, and shows exactly how the
number is worked out. The rates come from the official DEWA and Dubai Land Department tariffs and are
indicative estimates for planning, so confirm the exact amount with the relevant authority before you commit.
DEWA & DLD rates verified July 2026
01
Property & fees
Work out what a Dubai home really costs, from purchase fees to your monthly bills.
DEWA Bill Estimator
Your DEWA bill combines electricity charged in rising kWh slabs (23, 28, 32, 38 fils),
water charged per cubic metre (7.70, 8.80, 10.12 dirhams), a fuel surcharge, sewerage, and a 5% municipality
housing fee on your annual rent. Drag the sliders to estimate each part.
kWh
m³
AED
How it's calculated
Electricity = each kWh slab charged at 0.23, 0.28, 0.32 then 0.38 dirhams, plus a 0.06 fuel surcharge per kWh. Water = the cubic-metre slab rate (7.70, 8.80, 10.12) plus 1.10 fuel and 0.33 sewerage per cubic metre. Housing fee = 5% of your annual rent divided by 12. Example: 1,800 kWh sits in the first slab, so 1,800 times 0.23 is 414, plus 108 fuel makes 522 for electricity; 20 cubic metres of water is 154 plus 22 plus 6.60, about 183; a 90,000 rent adds 375 housing; total near 1,080 dirhams a month.
Indicative only. Verify with your DEWA account. Housing fee is billed via DEWA on behalf of Dubai Municipality.
The Dubai Land Department charges 4% of the property price to transfer ownership, plus a
fixed admin fee, a trustee-office fee and a title-deed fee. With a mortgage, add 0.25% of the loan plus 290
dirhams. Set your price and loan for the full total.
AED
AED
How it's calculated
Transfer fee = 4% of the property price, plus a 580 admin fee, a 250 title-deed fee, and a trustee-office fee of 4,200 dirhams when the price is 500,000 or above (2,100 below that). With a mortgage, add 0.25% of the loan plus 290. Example: on a 1,500,000 home with a 1,200,000 mortgage the transfer is 60,000, plus 580, 250 and 4,200, plus 3,290 mortgage registration, totalling 68,320 dirhams.
Indicative only. Confirm with the Dubai Land Department. Trustee fee shown includes 5% VAT.
Total Move-in / Purchase Cost
Buying a home in Dubai costs more than the price. Add the 4% DLD transfer, roughly 2%
agency commission, mortgage-registration and trustee fees, and DEWA activation. Expat mortgage buyers usually
need at least a 20% down payment. This shows the total cash you need upfront.
AED
%
%
How it's calculated
Cash upfront = down payment + 4% DLD transfer + admin and title-deed fees + trustee fee + agency commission + mortgage registration + DEWA activation. Example: on a 1,500,000 home at 20% down, that is 300,000 deposit, plus 60,000 DLD, 830 admin and title, 4,200 trustee, 30,000 agency at 2%, 3,290 mortgage registration and 2,000 DEWA, roughly 400,000 dirhams in total.
Your monthly repayment depends on the loan, interest rate and term. In the UAE, banks
usually cap total repayments at about half your monthly income (a 50% debt-burden ratio). Enter your figures
for the monthly payment and the maximum loan you can afford.
AED
%
yrs
AED
How it's calculated
Monthly payment = loan times r divided by (1 minus (1 plus r) to the power of minus n), where r is the yearly rate divided by 12 and n is the number of monthly payments. Affordability caps repayments near 50% of your monthly income (the UAE debt-burden ratio). Example: 1,200,000 at 4.5% over 25 years gives r of 0.00375 and n of 300, about 6,670 dirhams a month.
Indicative only. Actual approval, rate and ratio depend on your bank.
02
Home & living
Size the AC, plan materials, and check your pool, before the work starts.
AC Tonnage & Cooling Load Calculator
An undersized air conditioner never cools; an oversized one wastes power. As a Dubai
rule of thumb, a room needs roughly 40 to 45 watts of cooling per square foot. Set your room size to get the
approximate BTU and ton rating you need.
ft
ft
How it's calculated
BTU = floor area in square feet times 45, times a sun factor (1 normal, 1.1 sunny, 1.2 very hot). Tons = BTU divided by 12,000. Example: a 12 by 15 foot room is 180 square feet, times 45 is 8,100 BTU, about 0.7 ton.
Indicative only. A site survey confirms the exact load.
Estimate materials before you start. One litre of paint covers about 10 square metres per
coat, and tiles need roughly 10% extra for cuts and waste. Enter your wall or floor area to get the paint
litres and tile quantity you should buy.
m²
coats
m²
How it's calculated
Paint = wall area times the number of coats divided by 10, since one litre covers about 10 square metres per coat. Tiles = floor area times 1.1 to allow 10% for cuts and waste. Example: 60 square metres of wall at 2 coats needs 12 litres.
Indicative only. Coverage varies by surface and product.
Prefer it done right? Our interior finishing team handles paint and tiling end to end.
03
Maintenance & smart home
Budget the year ahead, from an upkeep contract to a full smart-home fit-out.
Annual Maintenance (AMC) Estimator
An annual maintenance contract keeps a Dubai home running with scheduled checks and
priority call-outs across AC, plumbing, electrical and handyman work. The price scales with property size and
the number of AC units. Set your details for an indicative yearly range.
bed
AC
How it's calculated
Base rate by property type (apartment 900, townhouse 1,400, villa 2,200), plus 150 per bedroom and 180 per AC unit, shown as a range up to about 50% higher for fuller cover. Example: a 2-bedroom apartment with 3 AC units works out near 1,740 to 2,610 dirhams a year.
Indicative only. Exact price is fixed after a free site visit.
A Dubai smart home can automate lighting, climate, security, curtains and audio, from a
single room to a full villa. Cost depends on the rooms covered and the systems you choose. Select your rooms
and features for an indicative package range.
rooms
How it's calculated
Number of rooms times the chosen feature rates per room (lighting 1,500, climate 900, security 1,200, curtains 1,800, audio 2,500), shown as a range up to about 80% higher for premium wired systems like KNX or Control4. Example: 4 rooms with lighting and climate is 9,600 to 17,280 dirhams.
Indicative only. Final cost depends on brand tier (KNX, Control4, wireless) and wiring.
Knowing your pool volume tells you how much water it holds and how much chlorine it
needs. Volume equals length times width times average depth, in litres. Enter your pool size for the volume and
an indicative chlorine dose.
m
m
m
How it's calculated
Volume in litres = length times width times average depth in metres, times 1,000. Routine chlorine is about 7 grams per 1,000 litres. Example: an 8 by 4 metre pool at 1.5 metres average depth holds 48,000 litres and needs roughly 336 grams of chlorine.
Indicative only. Dose depends on current chlorine level and product strength.
Every figure here is built from published Dubai government tariffs, kept current and shown
transparently so you can check the working yourself. Electricity and water rates follow the
DEWA slab tariff
(electricity 23 to 38 fils per kWh, water 7.70 to 10.12 dirhams per cubic metre, plus the fuel surcharge and sewerage).
Property fees follow the Dubai Land Department
schedule (the 4% transfer fee, mortgage registration at 0.25%, and the trustee-office fee), and the housing fee is the 5%
municipality charge billed through DEWA. Mortgage affordability uses the standard UAE 50% debt-burden ratio set by the banks
and RERA guidance. Burj Al Wasl builds and maintains Dubai homes every day, so these tools reflect real, current costs, not
guesswork. They are indicative estimates; the authority or your bank confirms the exact figure.
Need the job done, not just the number?
Burj Al Wasl handles maintenance, fit-out, AC, electrical, plumbing, smart home and pools across Dubai, one
accountable team, honest fixed quotes after a free site visit.
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