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.
25 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 147 UAE cards, tuned to your monthly spend mix.
Rent vs Buy
5–10 year wealth-gap projection on a 20% down payment and the 4% DLD fee, against mortgage rates, rent growth and S&P 500 returns.
Cost of Living Calculator
All-in monthly budget benchmarked Emirate by Emirate — rent, car, groceries, utilities, and school fees that run a median AED 28,533 in Grade 1.
Mortgage Affordability
What you can borrow under UAE Central Bank rules — the 50% DBR cap, 80% LTV for a first-home expat, and a 7× salary ceiling (8× for UAE nationals).
FIRE Calculator
Financial-independence math with the UAE 0% income-tax advantage baked in. Years-to-FIRE on any income.
Golden Visa Calculator
Eligibility + total cost across the property, salary, talent and investment tracks — the property route starts at AED 2 million.
School Finder
Filter 218 Dubai schools on the six-point DSIB scale, curriculum, location and fee — Grade 1 tuition spans AED 2,612 to AED 102,588.
Car Lease vs Buy
Total cost of ownership over 5 years — financing, insurance, resale, and the 45-55% of purchase price depreciation quietly takes.
Business Startup Calculator
First-year cost of a UAE business — DMCC runs AED 32,360 on the licence alone against RAKEZ at AED 8,000, before visas and office.
Property Fees Calculator
One-time costs on any Dubai purchase — the DLD 4%, 2% agent commission, and the AED 2,000 or AED 4,000 trustee fee.
UAE Loan Finder
Compare 51 personal, car & home loans from 18 UAE lenders on the real rate.
UAE Savings Account Finder
Compare 46 savings & current accounts on the rate your balance actually earns — the spread runs 0.01% to 5%.
Credit Cards
Browse, compare, and filter 147 UAE cards by reward type and issuer.
School Fee Calculator
KG → Grade 12 projections on the KHDA index (2.35%, frozen at 0% for 2026-27) — from a median AED 28,533 to AED 41,460.
Compare Schools
Side-by-side on fees, ratings, curriculum, and location.
Gratuity Calculator
End-of-service benefit per UAE Labour Law — 21 days of basic pay a year for the first five, 30 days after, capped at two years wage.
Employment Benefits
Decode any UAE job offer — basic, housing, allowances, 30 days of leave and a 30-90 day notice period.
Health Insurance Premium
Premium estimate by age, dependants and tier — from the AED 320 federal Basic package to the AED 1,200-2,500 Abu Dhabi Basic.
Maternity Cost Calculator
Pre-natal, delivery, post-natal — AED 10,000-45,000 a birth against the AED 10,000 mandated cover at 10% co-payment.
Medical Services
Out-of-pocket cost across 30 procedures — a GP visit AED 150-350, an MRI AED 1,500-3,500, an appendectomy AED 15,000-35,000.
Healthcare Budget Planner
Annual healthcare budget by family size — premium, the 20% co-payment your plan leaves you, and what it excludes.
Family Visa
Sponsor-income test plus per-dependent ICP fees — about AED 1,530 in government fees and a refundable AED 2,000 deposit.
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, at AED 3.49 a litre.
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 5 banks, school fees across 218 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.