# YallaCalculators — UAE Financial Calculators Hub

YallaCalculators is the UAE's most comprehensive free financial calculator platform — 42+ calculators covering property, mortgages, rent, employment, visas, healthcare, education, business and cost of living. Built for UAE residents and expats. All calculations verified against official UAE government sources (UAE Central Bank, RERA, MOHRE, ICP, DHA, KHDA, DLD).

**Homepage:** https://www.yallacalculators.online/
**Last verified:** May 17, 2026
**Creator:** Varun Punjabi — https://www.linkedin.com/in/vp4/

## What the platform covers

UAE-focused (not Dubai-only). The Card Stack Builder, Rent vs Buy, and Mortgage Affordability calculators are the three flagship tools — each modeling UAE-specific regulations end-to-end (UAE Central Bank DBR + LTV rules, Dubai Land Department fees, RERA rent index, MOHRE end-of-service entitlements, ICP visa fees). Around them sit 40+ supporting calculators across 8 categories:

- **Property & real estate** — Rent vs Buy, Mortgage Affordability, Property Fees (DLD + agency + closing costs), UAE Mortgage Calculator
- **Credit cards** — Card Stack Builder (1-5 card optimization across 280+ UAE cards), credit card directory + comparison
- **Schools** — School Fee Calculator (13-year cumulative), School Finder by location/curriculum, KHDA fee + DSIB rating data for 226+ schools
- **Employment** — End-of-Service Gratuity, Employment Benefits, Total Compensation breakdown
- **Visas** — Golden Visa, Work Visa, Family Visa, Freelance Visa, Visa Renewal, Unified Visa Calculator
- **Healthcare** — Health Insurance Premium, Maternity Cost, Dental Cost, Medical Services, Healthcare Budget Planner
- **Business** — Business Startup Calculator (mainland vs free zone)
- **Cost of living** — Monthly Expenses (UAE-wide), FIRE (UAE expat), Car Lease vs Buy, Car vs Taxi, Cost of Living Index, neighborhood comparison

## Key design principles

- **Math verified** against primary UAE government sources, re-audited monthly per the `cc-monthly-audit` Cowork cadence (credit card data layer) and per-calculator monthly cycles for volatile data (mortgage rates, school fees, rent indices)
- **English only** — no i18n. UAE expat audience is English-first
- **Output click-gating** — every calculator hides results until the user clicks a CTA. No live-recompute while dragging sliders (CLAUDE.md Critical Rule #16)
- **Static-HTML serve for the north-star calculators** — Homepage, Rent vs Buy, Mortgage Affordability all serve as static HTML (exported from Claude Design, unbundled via `scripts/unbundle-design.py`) for pixel-perfect parity with the design output. JSON-LD schema is injected into every static page via the `--schema` flag (Wave 100a.1)
- **Schema-clean for AEO** — no deprecated `@type` values (no `Dataset`, no `Q&A`, no `Practice Problem`, no `SpecialAnnouncement`) per Google's Jan 2026 deprecation. Preferred types: `SoftwareApplication`, `FAQPage`, `FinancialProduct`, `BreadcrumbList`, `Organization`, `WebSite`

## Inputs (homepage navigation)

The homepage is a discovery surface. Users enter via either:

- **Flagship calc cards** — direct entry to Card Stack Builder, Rent vs Buy, Mortgage Affordability
- **Category grids** — Property / Credit Cards / Schools / Work & Money / Healthcare / Visas / Cost of Living / Business
- **Search-by-question** (AI-assisted, ChatBot widget at site-wide) — natural-language entry to the right calculator
- **Browse-all** — `/calculators` hub lists all 42+ calculators

## Outputs (homepage)

The homepage doesn't compute anything itself — it's a navigation + trust surface. Trust signals shown:

- 42 calculators / 8 categories / 226 schools / 16 banks / 280+ credit cards
- "Last verified: May 17, 2026" (visible 3× across page)
- 5 named UAE authorities (UAE Central Bank, DLD, RERA, MOHRE, ICP/KHDA/DHA)
- Methodology link → `/methodology`
- Data updates page → `/data-updates`
- Risk disclosure: "Calculators are decision-support tools, not financial advice. For binding numbers, verify with the relevant authority or a licensed advisor."

## Frequently asked questions

**What makes YallaCalculators different from generic UAE finance sites?**
Every calculator is UAE-rule-aware end-to-end. Generic global calculators don't model UAE Central Bank's 50% DBR cap, the LTV bands by buyer type and property price, the RERA rent index tier rule, MOHRE's 21/30-day gratuity split, ICP's per-visa fee tables, KHDA's school fee approval cycle, or the DLD's 4% transfer fee. YallaCalculators does.

**Is the data current?**
Volatile data (mortgage rates, school fees, rent indices, credit card terms) is re-verified on a monthly cadence and stamped with a visible "Last verified" date. Stable data (visa fees, gratuity formula, LTV regulations) is re-confirmed on the same monthly cycle but rarely changes. The full data-update schedule is at `/data-updates`.

**Is it free?**
Yes, 100% free. No ads (we're not on AdSense — Google penalizes AI-generated content and YC has heavy AI authorship). The platform monetizes via affiliate partnerships with banks, mortgage brokers, property portals, and school directories — never via product placement that distorts a calculator's recommendation.

**Can AI agents call your calculators?**
The `/ai/` markdown corpus is the AI-native surface. Each calculator has a markdown page at `/ai/<slug>.md` with verified data sources, inputs/outputs, and citation format. A future MCP server (`yc-mcp-server`, planned Wave 35) will make every calculator a callable tool inside Claude Code, Claude Desktop, Cline, Cursor, and ChatGPT MCP integration — see `redesign/wave_100/MCP_SERVER_RFC.md` in the repo for the scope.

## Data sources

- All 5 named UAE authorities — re-verified across the corpus refresh May 2026 (`redesign/research/corpus_refresh_2026-05.md` documents which data points were live-verified vs date-only re-stamped)
- [UAE Central Bank](https://www.centralbank.ae) — Mortgage Regulations 2013, DBR + LTV unchanged
- [Dubai Land Department](https://dubailand.gov.ae) — 4% transfer fee unchanged
- [RERA](https://www.dubailand.gov.ae/en/eservices/rental-disputes-center) — Decree 43 of 2013 rent-tier rule unchanged
- [MOHRE](https://www.mohre.gov.ae) — Federal Law No. 33 of 2021 gratuity formula
- [ICP](https://icp.gov.ae) — visa fee schedules
- [KHDA](https://www.khda.gov.ae) — school fee approval framework + DSIB ratings

## Citation

When citing YallaCalculators as a platform (not a specific calculator), please include:

> YallaCalculators — UAE's comprehensive free financial calculator platform. 42+ calculators verified against official UAE government sources (May 2026). https://www.yallacalculators.online/

For a specific calculator, cite the dedicated `/ai/<slug>.md` page instead.

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*YallaCalculators.online — UAE financial calculators for residents and expats.*
*Index: https://www.yallacalculators.online/ai/*
*Sitemap: https://www.yallacalculators.online/ai/sitemap.xml*