Find your perfect match.
Calculate your recommended monthly budget and instantly see vehicles that fit your lifestyle.
What is Debt Burden Ratio (DBR)?
In the UAE, banks use DBR to determine how much of your income can go toward loan repayments. The Central Bank caps DBR at 50% of gross salary. Our calculator uses a conservative 40% of your disposable income (after rent, existing loans, etc.) to recommend a comfortable monthly lease budget that won't strain your finances.
Key difference: Unlike bank loan payments, your DYD monthly rate is all-inclusive — covering the vehicle, comprehensive insurance, registration, GPS, and admin. There are no additional costs to budget for separately.
Your Finances
Awaiting Your Details
Enter your income and expenses to instantly see your recommended leasing budget.
Tips for Maximizing Your Budget
Consider the Balloon Plan
Zero down payment means you can redirect capital elsewhere. Your monthly payment is lower, letting you access a higher-tier vehicle within the same budget.
Factor in All-Inclusive Pricing
DYD monthly rates include insurance, registration, and GPS. When comparing to bank loans, don't forget to add insurance (AED 5,000–15,000/year) and registration fees to the bank's monthly payment.
Don't Stretch to the Max
Our recommendation is already a comfortable ceiling. Leaving a buffer of 10–20% below the recommended amount gives you breathing room for unexpected expenses.
Think About Mileage
Standard lease includes 25,000 km/year. If you drive more, extended packages (35,000 or 50,000 km/year) are available at discounted rates. Factor this into your budgeting.