Moving to or living in the UAE? Let's do the math Habibi!
Free, math-verified calculators for property, credit cards, gratuity, schools, visas, and cost of living. Built on UAE Central Bank, DLD, RERA and MOHRE data. Updated monthly.
42 calculators. 8 categories. One source of truth.
Every calculator we ship in a single grid. The nine flagships at the top are the questions most UAE residents eventually ask — the rest follow grouped by category.
Card Stack Builder
The optimal 2–3 card combo across 157 UAE cards, tuned to your monthly spend mix.
Rent vs Buy
5–10 year wealth-gap projection across mortgage rates, rent growth, and S&P 500 returns.
Cost of Living Calculator
All-in monthly budget benchmarked Emirate by Emirate — rent, schools, car, groceries, utilities.
Mortgage Affordability
What you can borrow under UAE Central Bank rules. DBR cap + LTV bands by buyer type.
FIRE Calculator
Financial-independence math with the UAE tax-free advantage baked in. Years-to-FIRE on any income.
Golden Visa Calculator
Eligibility + total cost across property, salary, talent, and investment tracks. ICP + DLD fees.
School Finder
Filter 200+ KHDA-rated UAE schools by curriculum, location, fees, and ratings. Side-by-side compare.
Car Lease vs Buy
Total cost of ownership over 5 years across financing, depreciation, insurance, and resale.
Business Startup Calculator
First-year cost of a UAE business — trade license, visas, office, free zone vs mainland.
Property Fees Calculator
DLD + agent + bank one-time costs on any Dubai purchase.
UAE Mortgage Calculator
Monthly payment for any loan amount, rate, and term.
Credit Cards Hub
Browse, compare, and filter 157 UAE cards by reward type and issuer.
Card Comparison
Side-by-side any two UAE cards on rewards, fees, and benefits.
Annual Fee Break-even
How much you must spend before a paid card beats a free one.
School Fee Calculator
KG → Grade 12 fee projections with inflation built in.
Compare Schools
Side-by-side on fees, ratings, curriculum, and location.
Education Cost Planner
Total schooling cost from FS1 to Year 13 across any UAE school.
Gratuity Calculator
End-of-service benefit per UAE Labour Law — limited, unlimited, partial.
Employment Benefits
Decode any UAE job offer — basic, housing, allowances, gratuity, leave.
Salary Comparison
Benchmark your UAE salary against your role, sector, and experience band.
Health Insurance Premium
DHA-aligned premium estimate by age, dependents, and coverage tier.
Maternity Cost Calculator
Pre-natal, delivery, post-natal — hospital package vs insurance gap.
Medical Services
Out-of-pocket cost by procedure across DHA, DOH, and MOH facilities.
Healthcare Budget Planner
Annual healthcare budget by family size and chronic-care needs.
Dental Cost Calculator
Cleaning, fillings, root canal, implants — with and without insurance.
Unified Visa Calculator
One tool, every UAE visa type and route in one place.
Family Visa
Sponsor-income test plus per-dependent ICP fees.
Freelance Visa
Cost and timeline across the cheapest UAE free zones.
Visa Renewal
All-in renewal fees by visa type — work, family, freelance, golden.
Car vs Taxi
Per-month break-even on owning a car versus Careem and Uber.
UAE Living Costs Guide
Emirate-by-Emirate cost-of-living index, updated monthly.
Dubai Neighborhoods
Cost comparison across Marina, Downtown, JVC, JLT, Springs, and more.
Abu Dhabi Neighborhoods
Cost comparison across Saadiyat, Al Reem, Khalifa City, and more.
Sharjah vs Dubai
Side-by-side cost-of-living across rent, schools, transport, and groceries.
Dubai Marina vs JVC
Head-to-head on rent, service charges, schools, and commute.
Free Zone Comparison
Side-by-side across the 30+ UAE free zones on license, visas, and office.
Built on official UAE data.
Generic global calculators don't know the UAE — debt-burden ratios, off-plan down payments, gratuity caps. Ours do.
UAE-specific math
Mortgage caps use CB Circular 31/2013. DLD fees use the current Dubai Land Department schedule. RERA rent index drives rent renewals. Gratuity follows the MOHRE formula exactly.
Monthly re-verification
Every input — mortgage rates across 16 banks, school fees across 200+ schools, visa fees across ICP — is re-checked monthly against issuer pages and government rate sheets.
Free, no signup
No paywall, no email gate, no signup. We don't sell your data or run banner ads. Results, methodology, and source links are all visible on the page.
Built by an expat, for expats
Designed around the questions a new UAE resident actually asks in their first year — and the deeper ones they ask in year five. Made in Dubai.
Methodology and data sources.
Every calculator cites its source on the page. Mortgage rules reference UAE Central Bank Circular 31/2013. Property fees use the Dubai Land Department schedule. Rent renewals follow the RERA rental index. Gratuity uses the MOHRE formula. Rent-vs-buy investment alternative uses S&P 500 long-run returns.