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Free financial calculators for UAE residents
Healthcare costs in the UAE can vary significantly depending on whether you choose public or private facilities, your insurance coverage level, and the specific treatments required. Our healthcare calculators help you plan for medical expenses, compare health insurance options across different networks (DHA, HAAD, DOH), estimate treatment costs for common procedures, and budget for maternity care, dental treatments, and annual healthcare expenses. Whether you're comparing insurance premiums from major providers like GIG Gulf, Cigna, Bupa Global, or ADNIC, or estimating out-of-pocket costs for specific medical procedures, our tools provide accurate estimates based on current UAE healthcare pricing.
The Health Insurance Calculator helps you understand premium costs for individual, couple, and family plans across different coverage tiers and network options. Our Medical Cost Estimator provides realistic cost ranges for consultations, diagnostic tests, surgeries, and hospital stays at both public and private facilities in Dubai, Abu Dhabi, and Sharjah. The Maternity Cost Calculator breaks down expenses for prenatal care, delivery (normal and C-section), and postnatal care across different hospital tiers, helping expectant families plan their budgets accordingly.
All cost estimates are based on current pricing from major UAE hospitals and clinics, insurance provider rate cards, and government healthcare fee schedules. We update our data quarterly to reflect changes in insurance premiums, hospital charges, and regulatory requirements. Use these calculators to compare healthcare options, understand your insurance coverage, estimate treatment costs, and create a realistic healthcare budget for your family in the UAE. For our data sources and methodology, see our Methodology page.
Content verified by Varun Punjabi, Founder & CEO • DHA & DOH regulations verified
Important Disclaimer: These healthcare calculators are for budgeting and planning purposes only. They are not a substitute for professional medical advice, diagnosis, or treatment. Actual medical costs, insurance coverage, and treatment recommendations depend on your specific health condition, insurance plan, provider network, and medical necessity as determined by licensed healthcare professionals. Always consult qualified doctors, insurance providers, and medical facilities for accurate cost estimates and treatment options. These tools do not constitute medical, insurance, or financial advice.
Calculate health insurance costs for individuals and families across UAE networks
Estimate costs for medical and dental treatments, consultations, procedures, and surgeries
Plan your pregnancy and delivery costs across UAE hospitals (Dubai and Abu Dhabi)
Plan your annual healthcare budget with all expected expenses
Founder & CEO
Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.
Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD
Healthcare Calculators is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.
All calculations reviewed by UAE-based financial experts.
Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.
For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.
Gratuity: If you resign after 3 years with AED 15,000 basic (unlimited contract), you receive 21 days’ basic per year for the first 5 years. Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.
Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.
How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.
Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.
Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.
Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.
Varun Punjabi
CEO & Founder, Yalla Calculators. Over 13 years of professional experience, including a decade in the domain and internet industry. Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.
LinkedInFor methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.