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Lifestyle Cost Load Index | Dubai
Live Dubai Data • February 2026

Lifestyle Cost
Load Index

Finance meets reality.

Discover how lifestyle costs silently change your true home affordability in Dubai. A comprehensive view beyond mortgage payments.

Special 95 Fuel: AED 2.33/L — Feb 2026
Salik: AED 6 peak / AED 4 off-peak (since Jan 31, 2025)
DEWA sewerage: 2 fils/gallon from 2026
KHDA ECI +2.35% for 2025-26
Step 01

Financial Baseline

AED
AED
Estimated Monthly DEWA — 2026 tariffs incl. sewerage uplift
Downtown Dubai
AED 680
Electricity
AED 195
Water
AED 470
Cooling
Step 02

Lifestyle Expenses

School Fees
Avg AED 5,630/child/mo — KHDA ECI +2.35% for 2025-26
AED 0
AED
Commute Cost
Special 95 @ AED 2.33/L + Salik (AED 6 peak / AED 4 off-peak) + maintenance
AED 0
Parking Fees
Building, office, or RTA paid parking
AED 0
AED
DEWA Utilities
Electricity, water & district cooling — 2026 tariffs incl. 2 fils/gallon sewerage
AED 0
Service Charges
HOA, maintenance, community fees
AED 0
AED
True Affordability Index
29%
of monthly income
Financially Healthy
Cost Load Ratio29%
0%30%50%70%100%
Housing Only
29%
Within guidelines
With Lifestyle
29%
+0% from lifestyle
Monthly Total
10,000
AED
Remaining
25,000
AED
Cost BreakdownAED 10,000
Housing Payment
AED 10,000
Income Allocation
Total
29%
Housing29%
Remaining71%
Financial Insight

Excellent financial position. Your total cost load of 29% is well within healthy limits. You have AED 25,000 remaining monthly for savings, investments, and discretionary spending.

Sources: UAE Fuel Price Committee — Special 95 = AED 2.33/L (effective 1 Feb 2026, lowest in 2+ years) • Salik variable pricing: AED 6 peak (06:00–10:00 & 16:00–20:00) / AED 4 off-peak (effective 31 Jan 2025) • DEWA 2026 electricity slab tariffs: 0–2,000 kWh @ 23 fils; 2,001–4,000 @ 28 fils; 4,001–6,000 @ 32 fils; 6,001+ @ 38 fils; fuel surcharge ~6 fils/kWh • DEWA water slab (cubic metres from March 2025): 0–27m³ @ AED 7.70; 27–54m³ @ 8.80; 54+m³ @ 10.12 • Dubai sewerage fee raised to 2 fils/gallon from January 2026 (was 1.5 fils in 2025) • KHDA Education Cost Index: +2.35% approved for 2025-26 academic year; school fee range AED 12,723–64,093/year • All utility estimates are for planning purposes; actual bills depend on consumption, property type, and district cooling provider.

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