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Property Investment Calculator

✓ No interest · Sharia-compliant · Halal
1

How are you planning to pay?

Choose the option that fits you

Paying cash in full

You have the full amount ready. No financing needed. Straightforward and the most common for diaspora buyers.

Murabaha — bank buys it, you repay at a fixed profit

The bank buys the property and sells it to you at an agreed higher price. You pay in instalments. No interest — the profit margin is fixed upfront. Halal.

Ijara — lease-to-own arrangement

The bank buys the property and leases it to you. You pay rent each month. At the end of the term, ownership transfers to you. No interest. Halal.

2

Tell us about the property

Fill in what you know — you can estimate

E.g. 12000000 for a KES 12M apartment

Ask our team if unsure — we'll give you a realistic figure

How many years do you plan to hold this property?

The longer you hold, the more it typically grows in value. Most investors plan for at least 5 years.

5 years

How much might the property grow in value each year?

Nairobi properties have historically grown by 4–7% per year. We've set a conservative 6% — adjust up or down.

6% / yr

How many months per year might it sit empty?

Even popular properties can have gaps between tenants. In Nairobi's top areas, this is usually 0–1 month per year.

1 month/yr

Annual costs — service charge, maintenance, agent fees

Covers the building's service charge, maintenance, and property management. Typically 10–15% for a managed Nairobi property.

12% of rent
3

Your investment picture

Based on what you've entered above

Annual return on your investment

How much the property earns you each year as a % of what you paid — from rent alone, before property value growth.

Monthly income (after costs)

What lands in your pocket monthly

Annual income (after costs)

Per year after expenses

Property value after 5 years

Estimated at your chosen growth rate

Total made over 5 years

Rent income + property value growth

You pay for the property
Total rent collected over 5 years
Rent after deducting all costs
Estimated property value when you sell
Your estimated total gain
  • Your Currency

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