Investment Tools

Saudi Property Calculators

Free tools to help you analyze and plan your Saudi Arabian property investments. Calculate yields, costs, financing, and appreciation projections.

Interactive calculator

Gross and net rental yield

Use conservative vacancy and cost assumptions. If the numbers only work with 0% vacancy, it is not robust.

Gross yield

7.20%

Annual rent divided by purchase price

Net yield

4.73%

After vacancy and operating costs

Annual model

Gross annual rentSAR 144,000
Vacancy loss-SAR 8,640
Effective rentSAR 135,360
Management-SAR 10,829
Service charges-SAR 18,000
Maintenance reserve-SAR 12,000
Net annual incomeSAR 94,531

Inputs

8%
6%

Interactive calculator

All-in purchase cost estimate

Adjust assumptions to match your deal. Defaults are budgeting placeholders. Verify your exact tax and fee treatment with your advisor for your specific transaction.

Example: 2000000

Estimated add ons

SAR 174,750

Taxes and fees (excluding the property price)

Estimated all in total

SAR 2,174,750

Price + selected taxes and fees

Line items

Real Estate Transaction Tax (RETT)SAR 100,000
Broker commission (assumption)SAR 50,000
VAT on broker serviceSAR 7,500
Legal review (flat assumption)SAR 15,000
VAT on legal serviceSAR 2,250

Assumptions

5%

As of Dec 2025, RETT is commonly stated as 5% for many transactions. Confirm exemptions and treatment for your deal.

2.5%

Brokerage is deal dependent and negotiable. In many markets, it is often around 2% to 2.5% (verify in your purchase agreement).

SAR 15,000

Budgeting placeholder for contract review and documentation. Many buyers budget something like SAR 5,000 to SAR 25,000+, depending on complexity and advisor. Verify scope and pricing.

15%

As of Dec 2025, VAT is 15%. VAT treatment depends on the service provider and transaction structure.

Financing Tool

Mortgage Calculator

Estimate your monthly payments and total financing costs

Monthly Payment

SAR 10,559

Loan Term (Years): 20 years

Total Cost

SAR 2,934,230

+46.7% over purchase

Breakdown

Down PaymentSAR 400,000
Loan AmountSAR 1,600,000
Total Profit/InterestSAR 934,230
Loan-to-Value (LTV)80%

Note: This calculator provides estimates only. Actual terms depend on bank assessment, credit history, and market conditions.

Inputs

20%
10%50%
5%
2%10%

Investment Projector

Capital Appreciation Calculator

Project your property's future value based on appreciation assumptions

Projected Value

SAR 2,552,563

After 5 years

Total Gain

SAR 552,563

+27.6%

Year-by-Year Projection

Year 1
SAR 2,100,000
Year 2
SAR 2,205,000
Year 3
SAR 2,315,250
Year 4
SAR 2,431,013
Year 5
SAR 2,552,563

Average Annual Gain

SAR 110,513 / year

Note: This calculator provides hypothetical projections only. Actual appreciation depends on market conditions, location, property type, and economic factors.

Inputs

5%
0%15%

Saudi property has historically appreciated 3-8% annually in major cities

5 years
1 year15 years

Quick Scenarios

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Speak With an Investment Advisor

Our team can help you apply these calculations to specific properties and opportunities.