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    Disclaimer

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    Financial Disclaimer

    For information and planning only

    The calculators, results, comparisons, and content on Yalla Calculators are provided for informational and educational purposes only. They produce estimates based on publicly available data, standard formulas, and assumptions that may not apply to your individual circumstances.

    Not financial advice. Nothing on this website constitutes financial, investment, legal, tax, or accounting advice, a recommendation, or a solicitation to buy or sell any product or service. Using our tools does not create any advisory, fiduciary, or client relationship between you and Yalla Calculators.

    Varun Punjabi is not a licensed financial advisor, and Yalla Calculators is an independent informational resource, not a regulated financial institution. We are not licensed, authorised, or regulated by the UAE Central Bank, the Securities and Commodities Authority, the DFSA, or any other financial regulator.

    Consult a professional. Before making any financial decision — including property purchases, mortgages, investments, insurance, or visa and employment matters — consult a suitably licensed professional (financial advisor, mortgage broker, lawyer, or tax consultant) who can consider your full circumstances.

    No warranty of accuracy. Fees, interest rates, government charges, and regulations change frequently. While we strive to keep our data current, we make no representation or warranty that any figure is accurate, complete, or up to date. Always verify final numbers directly with the relevant bank, authority, school, or institution.

    You assume responsibility. You are solely responsible for how you use our estimates. To the fullest extent permitted by law, Yalla Calculators and its owners and contributors are not liable for any loss or damage arising from reliance on the calculators or content.

    UAE-focused. Our tools are built for the United Arab Emirates and use Dubai as the default example where specific rules apply (e.g. DLD transfer fees, RERA commissions). Results may not be applicable to other emirates or jurisdictions.

    Health & Medical Disclaimer

    Cost estimates only — not medical advice

    Our health, maternity, dental, and other healthcare tools provide cost estimates only to help you plan and budget. They are not medical advice and are not a substitute for professional diagnosis, treatment, or guidance from a licensed healthcare provider.

    Treatment prices, insurance coverage, co-payments, and package inclusions vary by provider, policy, and individual case. Actual costs and clinical recommendations can only be confirmed by the relevant hospital, clinic, insurer, or a licensed medical professional.

    Always consult a licensed healthcare provider for any question relating to a medical condition, treatment, or your health. Never disregard or delay seeking professional medical advice because of an estimate produced by one of our calculators.

    Questions?

    For our full terms and methodology, see our Terms of Service and Methodology pages. If you have any questions, please contact us.

    Guide to Our UAE Financial Calculators

    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.

    Calculation Examples

    Gratuity: If you resign after 3 years with AED 15,000 basic, you receive 21 days’ basic per year for the first 5 years (resigning no longer reduces gratuity). 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.

    Frequently Asked Questions

    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.

    Meet the Expert

    Varun Punjabi

    CEO & Founder, Yalla Calculators. 13+ years of professional experience in software and digital business, with a background in the domain and internet industry; resident in the UAE since 2018 (8+ years in the UAE). Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Not a licensed financial advisor — Yalla Calculators is an independent informational resource, not a regulated financial institution. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.

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    For methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.