DP

Dubai Cost of Living Calculator

Enter your monthly salary and choose your lifestyle. The calculator instantly shows a personalised budget breakdown — rent, food, transport, and how much you can save.

0% Income Tax — What You Earn, You Keep

The UAE has zero personal income tax. Your gross salary is your take-home pay. A 5% VAT applies to most purchases, but there is no income, capital gains, or wealth tax.

Your Details

AED

Own car, occasional dining out, gym membership.

Your Monthly Budget Breakdown

Based on AED 20,000 / month — Comfortable lifestyle

Rent

35% of salary

AED 7,000

Food & Groceries

AED 2,500

Transport

Own car (running costs)

AED 1,500

Utilities (DEWA + internet)

AED 700

Entertainment & Dining Out

AED 2,000

Healthcare

Top-up insurance / GP visits

AED 300

Total Expenses

AED 14,000

Estimated Monthly Savings

30% of your salary

AED 6,000

Expense Breakdown

Rent35.0%
Food & Groceries12.5%
Transport7.5%
Utilities (DEWA + internet)3.5%
Entertainment & Dining Out10.0%
Healthcare1.5%
Savings30.0%

These Are Estimates — Rent Varies Widely by Area

Rent is the biggest variable. A studio in Deira can cost AED 3,500/month; the same size in Downtown Dubai runs AED 8,000+. Check our Neighborhoods Guide for area-specific prices and lifestyle comparisons.

Frequently Asked Questions

Is Dubai affordable on AED 10,000 per month?
It's possible but tight, especially if you want to rent alone. Many people at this salary share accommodation to reduce rent to AED 1,500–2,500. Transport by metro keeps costs low, and cooking at home rather than dining out makes a significant difference.
Do Dubai salaries usually include housing allowance?
Many packages — especially for senior roles, government jobs, and multinational companies — include a separate housing allowance (typically 25–40% of basic salary). If yours does, your savings will be considerably higher than shown above. Always clarify if the salary quoted is basic only or an all-inclusive package.
What does DEWA cost on average?
DEWA (electricity and water) for a 1-bedroom apartment typically runs AED 300–500 in winter and AED 600–1,200 in summer (June–September) due to heavy air conditioning use. Larger villas can see summer bills of AED 2,000–4,000. The figures in this calculator include a rough average across the year.
How much should I save before moving to Dubai?
Aim for 3–6 months of expenses as a buffer. Initial costs are high: you typically pay rent 1–4 cheques upfront (many landlords require 2–4 post-dated cheques), plus a 5% Ejari registration fee, a DEWA security deposit (AED 2,000 for apartments, AED 4,000 for villas), and furniture / setup costs. Budget at least AED 20,000–30,000 for first month setup on top of your regular monthly expenses.

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