Project investment growth in AED with regular contributions.
Future value (gross = net)
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Total contributions
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Total growth
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Tax on gains
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Worked example
Start with AED 50,000 invested and add AED 2,000 every month for 20 years, assuming a 7% annual return compounded monthly. Over the period you put in AED 530,000 of your own money, made up of the AED 50,000 opening balance plus AED 24,000 a year across 20 years. Compounding does the heavy lifting: the balance grows to about AED 1,249,868, which means roughly AED 719,868 is investment growth on top of what you contributed. Because the UAE levies no personal capital gains or dividend tax, this gross figure is also what you keep. The growth ends up larger than the contributions because each year earns a return on a base that already includes prior years of gains.
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How it is calculated
The projection steps through the investment period by period and applies the chosen compounding frequency. The opening balance plus each regular contribution earns a periodic return, and that return is added back to the balance so the next period earns on a slightly larger base. This is what makes growth accelerate over time rather than stay flat. Contributions here are treated as deposited at the start of each month, and the annual rate is split across the compounding periods. Total contributions are your deposits, total growth is the balance less those deposits, and the future value is the two combined. Since UAE individuals pay no tax on personal investment gains, the gross figure shown is also the net.