Decision Lab
Calculate the Numbers. Understand the Decision.
The Decision Lab gives you calculators, comparisons and decision intelligence. The tools provide the maths and general education; professional advisory adds current market research, property-specific evidence, case studies and strategic judgement.
Decision Lab Method
- Input — your numbers, objective and time horizon.
- Calculate — model costs, finance, returns and alternatives.
- Interpret — understand what the result means in context.
- Decide — use it with market evidence and judgement.
Numbers support the decision. They do not replace the strategy.
Award
Best Real Estate Agent – Dubai
Arabian Property Awards Winner 2026–2027
Experience
20+ Years
Entrepreneurial experience
Credential
Licensed REALTOR®
Professional standards & ethics
Platform / Reach
Founder & CEO — FIMCO Real Estate
2,500+ personal advisory clients · 15+ countries
Eight launch calculators, grouped by decision
Every calculator is free to use. Core results stay on screen; a personalised branded report is optional.
Home buyers
Rent vs Buy Strategy Calculator
Renting vs owning over your holding period — costs, mortgage, appreciation and break-even.
Open toolHome buyers
Dubai Mortgage Calculator
Monthly repayment, total interest, principal repaid, balance and equity over time.
Open toolHome buyers
Mortgage Affordability / DSR
Indicative borrowing under CBUAE LTV and debt-burden limits, stress-tested.
Open toolHome buyers
Buying Cost Calculator
The cash beyond the price: DLD, trustee, brokerage, mortgage and lender costs.
Open toolInvestors
Property ROI & Investment Return
Gross & net yield, NOI, cash-on-cash, capital gain, CAGR, IRR and payback.
Open toolInvestors
Ready vs Off-Plan Comparator
Compare the two routes for the same objective across the holding period.
Open toolInvestors
Hold vs Sell / Reinvest
Keep and let, or sell and reinvest the freed equity — modelled to a horizon.
Open toolBusiness owners
Commercial Own vs Lease
The present-value cost of owning premises vs leasing them over your horizon.
Open toolFree tool vs professional advisory
The calculator answers what the numbers show. Advisory determines how those numbers apply to your market, asset and objective.
The calculator
- The calculation itself
- Stated assumptions
- Methodology & sources
- General education
Raj’s advisory
- Your objective, interpreted
- Current market research & transactions
- Community / building / project analysis
- Case studies
- Entry & exit strategy
- A written recommendation
Need personal advisory? If you have decided to invest, Investment Decision Advisory takes the next step from numbers to strategy, market evidence and property selection. If you are still exploring, Private Market Research Advisory provides dedicated research and case studies before you decide whether to proceed.
Your personalised report
Core results always stay on screen for free. A full branded PDF report — with your inputs, detailed calculations, interpretation, methodology, assumptions and next steps — is generated server-side and needs only your First Name, Email and WhatsApp. Sensitive figures are never placed in the page address or in shared links.