33 free tools. Every one runs in your browser; nothing is uploaded.
These calculators apply the UAE rules as published by MOHRE (Federal Decree-Law No. 33 of 2021 on employment), the Federal Tax Authority (5% VAT and 9% corporate tax), the Central Bank (mortgage LTV and debt-burden limits) and the Dubai Land Department (transfer fees). Every rate is dated on its page and kept in one rules file, so a change to the law is applied once and every calculator picks it up.
Salary tools work on basic wage, which is what the Labour Law uses for gratuity, leave pay and overtime; property tools separate government fees from negotiable ones like agency commission. Nothing here is tax or legal advice — the pages say what they assume so you can check the figure against your own contract or a professional.
Estimate UAE corporate tax on your taxable income, including the AED 375,000 zero-rate threshold and Small Business Relief.
UAE corporate tax is 0% on the first AED 375,000 of taxable income and 9% above it. Businesses with revenue under AED 3 million can elect Small Business Relief and pay 0%; qualifying free zone persons may pay 0% on qualifying income.
Open the calculatorCreate an FTA-compliant UAE tax invoice with TRN, line items and 5% VAT, and download it as a PDF — free, no sign-up, nothing uploaded.
A UAE tax invoice must show the words 'Tax Invoice', the supplier's name, address and TRN, an invoice number and date, a description of goods or services, the net amount, the 5% VAT amount and the gross total, and the customer's details for supplies above AED 10,000.
Open the calculatorFind out which UAE e-invoicing mandate phase applies to your business, and by when you need PINT AE / Peppol-compliant e-invoicing in place.
UAE e-invoicing becomes mandatory on 1 January 2027 for businesses with revenue of AED 50 million or more, and on 1 July 2027 for all other VAT-registered businesses. Invoices must be in PINT AE (UBL 2.1 XML) format sent via an accredited Peppol service provider.
Open the calculatorFree online calculator for UAE company formation costs: free zone licence, visas, establishment card, office and first-year total — Dubai, Abu Dhabi, Sharjah free zones compared.
A UAE free zone company typically costs AED 5,500–6,500 for a budget freelance permit (Sharjah, Ajman, RAKEZ) or AED 12,500–13,000 for a Dubai trading/consulting licence (IFZA, Meydan), plus about AED 4,000–5,000 per visa, AED 1,500 health insurance per person and AED 1,500 for the establishment card.
Open the calculatorCalculate your real net profit after referral/commission fees on Amazon.ae, Noon UAE or Noon Saudi, using Amazon's official category fee schedule.
Amazon.ae referral fees range from 5% (mobile phones) to 15% (apparel, shoes, home, books), with 10% for most other categories and tiered rates for beauty and furniture. Noon commission varies by category, typically 5–25%.
Open the calculatorAnswer a few questions to see which UAE Golden Visa (10-year residence) categories you may qualify for — property investor, skilled professional, entrepreneur, student and more.
The UAE Golden Visa is a 10-year renewable residence for property investors with AED 2 million of property, investors with AED 2 million in a fund, company or deposit, skilled professionals earning AED 30,000+ a month with a bachelor's degree, licensed doctors, scientists, engineers, creatives, entrepreneurs with AED 500,000+ projects, and students with 95% or a 3.75 GPA.
Open the calculatorCalculate your UAE end-of-service gratuity under the 2022 Labour Law, for both resignation and termination.
UAE end-of-service gratuity is 21 days of basic wage for each of the first five years of service and 30 days per year thereafter, paid after at least one year of service and capped at two years' total wage. It is calculated on basic salary only.
Open the calculatorLeave salary calculator under UAE labour law: accrued annual leave days and the leave salary payable (basic or full wage), including unused leave on resignation or termination — Article 29 of Federal Decree-Law 33/2021.
UAE employees accrue 30 calendar days of paid annual leave per year after one year of service (2 days per month between 6 and 12 months). Unused leave is paid out on termination, usually on basic wage.
Open the calculatorFind your ILOE category, monthly premium and the compensation you would receive if you lost your job, under the UAE unemployment insurance scheme.
The UAE ILOE unemployment insurance costs AED 5 per month for basic salary up to AED 16,000 (Category A) or AED 10 per month above that (Category B), and pays 60% of average basic salary for up to three months per claim, capped at AED 10,000 or AED 20,000 respectively, after 12 months of contributions.
Open the calculatorCalculate overtime pay under UAE Labour Law — normal overtime at 125%, night overtime at 150%, and rest-day work.
UAE overtime is paid at the basic hourly wage plus 25%, rising to plus 50% for hours between 10pm and 4am and for work on the weekly rest day. The hourly wage is basic monthly salary divided by 30 days and 8 hours; overtime is normally limited to 2 hours a day.
Open the calculatorWork out how much of a sick-leave spell is paid in full, at half pay or unpaid under UAE Labour Law, and what the salary deduction will be.
UAE Labour Law (Art. 31) gives employees who have passed probation up to 90 days of sick leave a year: the first 15 days at full pay, the next 30 at half pay and the remaining 45 unpaid. A medical certificate must be provided within 3 days, and the daily rate is usually monthly salary divided by 30.
Open the calculatorWork out your full end-of-service settlement in the UAE: gratuity, unused annual leave, notice pay in lieu, unpaid salary days and any deductions, in one figure.
A UAE final settlement is gratuity (21 days' basic wage per year for the first five years, 30 days after, capped at two years' wage, nothing under one year) plus unused annual leave, unpaid salary days and any notice pay in lieu on full salary, less notice not served and outstanding loans — payable within 14 days of the contract ending (Labour Law Arts. 29, 43, 51, 53).
Open the calculatorGet your UAE maternity leave dates and pay under Labour Law Article 30 — 45 days full pay, 15 days half pay, optional unpaid extension — from your expected delivery date.
UAE maternity leave is 60 days for every private-sector employee regardless of service: 45 days at full pay and 15 at half pay, which may start up to 30 days before the expected delivery date, plus up to 45 unpaid days for a related illness and 30 extra paid days if the child has a disability (Labour Law Art. 30). Fathers get 5 working days.
Open the calculatorWork out UAE take-home pay from basic salary and allowances with no income tax, GPSSA pension for nationals, the ILOE premium, end-of-service accrual and the true annual cost to the employer.
The UAE has no income tax, so take-home pay is gross salary minus the ILOE unemployment-insurance premium (AED 5 a month if basic is AED 16,000 or less, AED 10 above) and, for UAE nationals only, the GPSSA pension contribution — 11% under Federal Decree-Law 57/2023 for first-time registrants from 31 October 2023 or 5% under the 1999 law. An expatriate on AED 19,500 a month takes home AED 19,495; end-of-service accrues at 21 days of basic a year for the first five years and 30 days after.
Open the calculatorYour UAE annual leave balance from months of service under Article 29 — 30 days a year, 2 days a month after 6 months — with carry-over, and what unused leave is worth on the basic wage when you leave.
Under Article 29 of the UAE Labour Law an employee earns 30 calendar days of paid annual leave a year after one year of service and two days a month between six months and a year; leave taken is paid at full salary, unused leave on termination is paid on the basic wage (basic ÷ 30 per day), carry-over needs employer agreement and an employer cannot block leave for more than two consecutive years.
Open the calculatorAdd 5% VAT to a price, or work out the VAT already included in a VAT-inclusive amount.
UAE VAT is 5%. To add VAT multiply the net price by 1.05; to extract VAT from a gross price divide by 1.05. VAT registration is mandatory above AED 375,000 of taxable turnover.
Open the calculatorWork out FTA administrative penalties for a late VAT payment (2% then 4% a month, capped at 300%), a late return, late registration or a voluntary disclosure, from the due date and amount.
UAE late VAT payment penalties are 2% of the unpaid tax the day after the due date, then 4% per month from one month after the due date, capped at 300%; a late return costs AED 1,000 (AED 2,000 if repeated within 24 months), late registration AED 10,000, and a voluntary disclosure AED 1,000 plus 5% of the unpaid tax per year. Returns and payment are due by the 28th of the month after the period.
Open the calculatorWork out gross and net rental yield on a UAE property, accounting for service charges, other costs and vacancy.
Gross rental yield is annual rent divided by property price. Net yield deducts service charges, maintenance and vacancy first. Dubai apartments typically return 5–8% gross; after service charges, net yields are commonly 1–2 points lower.
Open the calculatorEstimate Dubai Land Department transfer fees, admin fees and total buying costs when purchasing a property.
Buying property in Dubai costs 4% of the price in Dubai Land Department transfer fee plus a trustee admin fee (about AED 580), a 0.25% mortgage registration fee if financed, and typically 2% agency commission — roughly 6–7% of the price in total.
Open the calculatorWork out the maximum property you can afford under UAE Central Bank LTV and debt-burden-ratio rules, for nationals and expats.
UAE Central Bank rules cap mortgages at 80% loan-to-value for expats and 85% for nationals on a first property under AED 5 million (70%/75% above), 60%/65% on subsequent properties and 50% on off-plan, and total debt repayments at 50% of gross income.
Open the calculatorBreak a Dubai off-plan purchase into its instalments — booking amount, construction-linked payments, handover balance, plus DLD and Oqood fees.
Dubai off-plan payment plans are typically split into a booking payment (10–20%), construction-linked instalments and a balance at handover, with the 4% DLD fee and an Oqood registration fee usually due at booking. Some developers offer post-handover plans over 1–5 years.
Open the calculatorCheck the maximum rent increase your Dubai landlord can apply at renewal under Decree 43 of 2013, from your current rent and the RERA average market rent.
Under Dubai Decree 43 of 2013 a landlord may raise the rent at renewal only if the current rent is more than 10% below the RERA average for similar units: 5% if 11–20% below, 10% if 21–30% below, 15% if 31–40% below and 20% if more than 40% below, with 90 days' written notice.
Open the calculatorCompare the total cost of renting against buying the same Dubai property over 5, 7 or 10 years — DLD fees, mortgage interest, service charges, growth and resale — to see which leaves you better off.
In Dubai, buying costs about 6.5% upfront (4% DLD fee, 2% agency, admin and mortgage registration) and 2% to sell, so it usually beats renting only after 4–8 years; it wins sooner when the gross rental yield (commonly 5–8%) exceeds the mortgage rate plus roughly 1.5% for service charges and maintenance, and later when prices stagnate.
Open the calculatorUAE car loan calculator: monthly instalment, total interest and the real APR of a flat-rate offer compared with reducing balance — for Dubai and Abu Dhabi bank car loans.
A 'flat rate' UAE car loan charges interest on the full original amount for the whole term, so a 3% flat rate costs roughly the same as a 5.5–6% reducing-balance rate. Always compare offers on total interest paid, not the headline rate.
Open the calculatorMonthly installment on a UAE personal loan at a flat or reducing rate, the APR, the Central Bank 20× salary and 50% debt-burden limits, the salary you need and the cost of settling early.
UAE Central Bank rules cap a personal loan at 20 times monthly salary, 48 months and a 50% debt-burden ratio including 5% of credit-card limits. AED 150,000 at 7.5% reducing over 48 months costs AED 3,627 a month (AED 24,088 of interest); early-settlement fees are capped at 1% of the balance or AED 10,000.
Open the calculatorSee the interest on a UAE credit card at your monthly rate, how many years the minimum payment takes to clear the balance and what it costs, a fixed-payment plan and whether a balance transfer saves money.
UAE credit cards typically charge 2.99%–3.59% a month (36–43% a year) on balances not paid in full; paying only the 5% minimum on AED 20,000 at 3.25% takes about 12 years 8 months and costs around AED 31,900 of interest, whereas clearing it in 12 months costs AED 4,470. The Central Bank caps late fees at AED 230.
Open the calculatorBuild a Dubai monthly budget from rent plus the 5% housing fee, school fees, DEWA, car and Salik, groceries and lifestyle, and see the tax-free salary you need to cover it and save.
A couple with two children in Dubai paying AED 120,000 rent and AED 45,000 per child in school fees spends roughly AED 31,500 a month (AED 377,600 a year) including the 5% housing fee, DEWA, car and Salik, groceries and flights home, and needs about AED 39,300 a month to also save 20% — all tax-free. Singles typically need AED 10,000–15,000, couples AED 18,000–25,000.
Open the calculatorProject your UAE savings, monthly contributions and end-of-service gratuity to retirement, compare them with the inflation-adjusted pot you need and find the extra monthly saving that closes the gap.
UAE expats get no state or employer pension — only the end-of-service gratuity (21 days of basic a year for five years, 30 days after, capped at two years' wages) plus their own savings. A 35-year-old with AED 200,000 saved, saving AED 5,000 a month at 6% with a AED 15,000 basic reaches about AED 4.6 million at 60, but funding AED 15,000 a month of today's spending for 25 years at 3% inflation needs about AED 6.8 million.
Open the calculatorMonthly mortgage payment in the UAE with the Central Bank loan-to-value ceiling for expats and nationals, minimum down payment, 50% debt-burden check, total interest and the DLD and registration fees you must pay in cash.
A UAE mortgage payment follows the standard amortisation formula, but the loan is capped by the Central Bank at 80% of a first home up to AED 5 million for expatriates (85% for nationals, 70% / 75% above AED 5 million, 60% / 65% on a second property, 50% off-plan), the term at 25 years and total debt repayments at 50% of income; an AED 1.2 million loan at 4.49% over 25 years costs AED 6,663 a month, and the 4% DLD fee plus registration and agency fees must be paid in cash.
Open the calculatorEvery cost of buying property in Dubai or Abu Dhabi: 4% DLD transfer fee, trustee admin, 0.25% mortgage registration, agency commission with VAT, developer NOC, valuation and arrangement fees — and the cash needed to complete.
Buying a ready property in Dubai costs about 7–8% of the price on top of the deposit: a 4% DLD transfer fee plus AED 580 admin, 0.25% of the loan plus AED 290 to register a mortgage, typically 2% agency commission plus 5% VAT, a developer NOC fee and bank valuation and arrangement fees — AED 111,370 on an AED 1.5 million apartment with an AED 1.2 million mortgage; Abu Dhabi charges a 2% transfer fee.
Open the calculatorHow much rent your income supports in Dubai at the 30% guideline, the per-cheque amount, 5% security deposit, agency commission with VAT, Ejari and DEWA deposits, the 5% housing fee and the cash you need to move in.
The usual Dubai guideline is rent at 25–35% of gross household income — AED 90,000 a year on AED 25,000 a month at 30% — but moving in needs far more cash: the first cheque, a 5% security deposit (10% furnished), about 5% agency commission plus VAT, AED 220 Ejari and DEWA deposits, roughly AED 34,000 on that rent, plus a 5% Municipality housing fee billed monthly through DEWA.
Open the calculatorHow much personal, car or home loan a UAE bank can approve under the Central Bank 50% debt-burden ratio and 20× salary cap, counting existing instalments and 5% of your credit-card limits.
UAE banks can lend only what keeps your total monthly repayments — existing instalments, 5% of every credit-card limit and the new instalment — within 50% of income (30% for retirees); personal loans are further capped at 20 times monthly salary and 48 months, car loans at 80% of the vehicle price and mortgages by the LTV ceilings, so AED 15,000 salary with AED 30,000 of card limits supports roughly AED 248,000 at 7.5% over 48 months.
Open the calculatorMaturity value and interest or Islamic wakala profit on an AED fixed deposit with simple or compound payout, monthly top-ups, effective annual yield and the real return after inflation — no tax in the UAE.
A UAE fixed deposit pays the agreed rate for the term — AED 100,000 at 4% for 12 months returns AED 4,000 (AED 4,074 with monthly compounding) — with no tax on the interest; Islamic banks offer the same product as a wakala or mudaraba deposit at an expected profit rate, and breaking the deposit early usually forfeits most of the return.
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