WIYO
Free tool · Payment Plan Calculator

Off-Plan Payment Plan Calculator for Dubai.

Type the price and the developer's plan. Get every payment in dirhams, the amount due at booking and how much the buyer pays before handover, ready to share with a client.
Book a 30-minute demoSee All Features

Build a payment schedule

AED

The price on the reservation form or SPA.

%

Down payment.

%

Paid at completion.

%

Total of the instalments.

×

How many.

%

Post-handover share.

×

How many.

AED

One-off amounts your SPA puts on the buyer at booking. Take the figure from the SPA.

Booking / down payment
AED 150,000
During construction: 5 × AED 150,000
AED 750,000
On handover
AED 600,000
Due at booking (with other costs)
AED 150,000
Paid before handover
AED 900,000
Total paid
AED 1,500,000

Due at booking AED 150,000. Total paid AED 1,500,000.

Indicative arithmetic only, with instalments rounded to the dirham. The developer's SPA sets the real amounts, dates and fees. Nothing you type leaves your browser.

Reading a developer's payment plan

Developers publish plans as shares of the price: a booking payment, instalments during construction, a payment on handover and sometimes instalments after handover. Many developers write 60/40 to mean 60% before handover and 40% on or after it, but labels differ, so read the developer's breakdown. The calculator starts with a 10% booking, five construction instalments and 40% on handover only as an example; replace every figure with the plan in front of you.

Any fees outside the price, and who pays them, are set out in the SPA.

  • Booking = price × booking %
  • Each construction instalment = price × construction % ÷ instalments
  • Before handover = booking + construction + other booking costs
  • The four plan percentages should total 100%

Frequently asked questions

How do you calculate an off-plan payment plan in Dubai?
Take the purchase price and apply each stage of the developer's plan: the booking or down payment, the share paid during construction split into its instalments, the share due on handover, and any post-handover share split into its instalments. The four percentages should add up to 100% of the price.
What does a 60/40 payment plan mean?
Many developers use it to mean 60% of the price paid before handover, including the booking payment and the construction instalments, and 40% on or after handover. Labels differ between developers, so read the developer's own breakdown. Read that way, on a AED 1,500,000 unit it means AED 900,000 before handover and AED 600,000 on or after it.
Are land department fees part of the payment plan?
The plan covers the price. Any fees outside the price, and who pays them and when, are set out in the SPA. Enter the amount your SPA puts on the buyer in the optional field, and the calculator adds it to the amount due at booking. Confirm current fees with the Dubai Land Department.
Is the schedule a guarantee of what the developer will ask for?
No. It is indicative arithmetic on the numbers you type. Construction instalments are usually tied to dates or build milestones in the SPA, and handover dates can move, so the signed SPA and the developer's statements are the record to rely on.
Can WIYO track a buyer's instalments after the sale?
Yes. WIYO's off-plan module holds more than 1,200 UAE projects with their payment plans, and Portfolio Manager keeps each client's purchases with their instalment dates and sends reminders before a payment falls due.

Ready to see WIYO live?

30-minute personalised demo. Live lead flow from your existing portals. Published per-user pricing, shown on the pricing page.

Book a 30-minute demo
Book a Live Demo