Category
UAE finance calculators
Free, audited UAE finance calculators for loans, savings, investments, and everyday money decisions. Built on UAE Central Bank rules, FTA tax thresholds, and verified market rates. No sign-up, no email capture, no marketing fluff — just the math.
33 calculators in this category.
UAE Mortgage Calculator
Monthly payment, down payment and Debt Burden Ratio under UAE Central Bank rules
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UAE Personal Loan Calculator
Monthly payment, Debt Burden Ratio and total interest
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UAE VAT Calculator
Add, remove or split 5% UAE VAT
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UAE Car Loan Calculator
Monthly payment with flat vs reducing rate comparison
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UAE Corporate Tax Calculator
9% federal rate with AED 375,000 threshold
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UAE Credit Card Payoff Calculator
Months to clear your balance at 39.78% APR
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Dubai Rent Increase Calculator
Dubai's RERA (Real Estate Regulatory Agency) rental index cap
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Compound Interest Calculator
See how a starting amount and monthly savings grow over time
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AED Currency Converter
Live AED exchange rates with realistic remittance margin
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UAE Rent vs Buy Calculator
Should you rent or buy your UAE home? Multi-year cost comparison
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Emergency Fund Calculator
How much to keep saved for unexpected events — and how to build it
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UAE Home Loan Refinance Calculator
Should you refinance your mortgage? Lifetime savings vs fees
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Investment Return Calculator
CAGR from known values, or future value from monthly contributions
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Net Worth Calculator
Assets minus debts, with debt-to-asset ratio and breakdown
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Retirement Calculator
Project nest egg + monthly income using the 4% safe withdrawal rule
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Debt Snowball / Avalanche Calculator
Multi-debt payoff plan — snowball or avalanche method
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Savings Goal Calculator
Monthly required to hit a target — or time required at current rate
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Ejari Registration Cost Calculator
Dubai tenancy contract registration — DLD fees and channels
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Sharjah Rent Increase Calculator
Sharjah Law 5 of 2024 — 3-year freeze, 2-year cycle, 90-day notice
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Abu Dhabi Tawtheeq Cost Calculator
Abu Dhabi tenancy registration on TAMM — landlord pays
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UAE Tourist VAT Refund Calculator
Net refund after Planet Tax-Free 13% + AED 4.80/tag deduction
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UAE Remittance Cost Calculator
Wise vs bank vs exchange house — including hidden FX margin
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Car Lease vs Buy Calculator
Total cost of leasing vs buying — UAE depreciation curve included
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Car Depreciation Calculator
Resale value by year — UAE brand-specific depreciation curves
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UAE Car Insurance Estimator
Third-party or comprehensive premium with NCD scale
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Zakat Calculator UAE
Comprehensive multi-asset Zakat with all four madhabs
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Loan Amortization Schedule Calculator
Month-by-month principal/interest split for any loan, with extra-payment savings
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Rental Yield Calculator
Gross + net yield for UAE property with service charges and vacancy
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Cap Rate Calculator
Commercial property cap rate, NOI and Gross Rent Multiplier
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Inflation Calculator
Future value, past value, and salary needed to keep up with inflation
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Stock DCA Calculator
Dollar-cost averaging projection with lump-sum comparison
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Subscription Tracker
True monthly + 5/10-year cost of all your recurring subscriptions
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Daily Habit Cost Calculator
Coffee, cigarettes & snacks compounded over decades
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Frequently asked questions
Are these calculators free?▾
Yes — every Liphyr calculator is free to use, with no sign-up, no email capture, and no ads on results. The site is funded by occasional banner ads on supporting pages, not by selling your data or upselling premium tiers.
How accurate are the results?▾
Each calculator uses formulas verified against published UAE regulations — Central Bank of UAE for loan rules, Federal Tax Authority for VAT/Corporate Tax, MOHRE for labour-law calculations. Each tool shows a 'Last verified' date and a link to the primary source. Results are estimates; for legal/tax decisions, confirm with a qualified UAE advisor.
Why is everything in AED?▾
The UAE Dirham is the working currency for almost all UAE financial decisions — salaries, mortgages, taxes, fees. The Currency Converter handles AED ↔ 28+ other currencies if you need to convert results to your home currency.
Which calculator should I use first?▾
If you're new to UAE finance: start with Salary (understand your take-home), then Gratuity (end-of-service entitlement), then either Mortgage or Rent vs Buy (housing). Long-term: add Compound Interest or Retirement to see how monthly saving compounds.
Do you have a mortgage refinance calculator?▾
Yes — the UAE Home Loan Refinance Calculator shows whether refinancing your existing mortgage saves money once you account for early-settlement fees, processing fees, and the new rate. It's a one-click comparison.