# Liphyr

> Free UAE calculators for gratuity, mortgage, salary, VAT, school fees & more. Audited against UAE law. Instant results, no sign-up. Updated 2026.

Liphyr is a free, ad-supported reference site for the United Arab Emirates. It publishes 92 purpose-built calculators across finance, business, daily life, and health, plus long-form guides anchored to primary UAE sources — MOHRE, RERA, FTA, the UAE Central Bank, Ministry of Interior, DEWA, RTA, KHDA, and federal/emirate-level regulators. Every calculator is config-driven and version-controlled; every guide cites primary sources.

- **Domain:** https://tools.liphyr.com
- **Country focus:** United Arab Emirates
- **Locale:** en_AE
- **Contact:** hello@liphyr.com
- **License:** Free to read, free to cite. Attribution as "Liphyr" with link to the source page.

## Calculators

### Finance

- [UAE Mortgage Calculator](https://tools.liphyr.com/uae-mortgage-calculator): Monthly payment, down payment and Debt Burden Ratio under UAE Central Bank rules
- [UAE Personal Loan Calculator](https://tools.liphyr.com/uae-personal-loan-calculator): Monthly payment, Debt Burden Ratio and total interest
- [UAE VAT Calculator](https://tools.liphyr.com/uae-vat-calculator): Add, remove or split 5% UAE VAT
- [UAE Car Loan Calculator](https://tools.liphyr.com/uae-car-loan-calculator): Monthly payment with flat vs reducing rate comparison
- [UAE Corporate Tax Calculator](https://tools.liphyr.com/uae-corporate-tax-calculator): 9% federal rate with AED 375,000 threshold
- [UAE Credit Card Payoff Calculator](https://tools.liphyr.com/uae-credit-card-payoff-calculator): Months to clear your balance at 39.78% APR
- [Dubai Rent Increase Calculator](https://tools.liphyr.com/uae-rent-increase-calculator): Dubai's RERA (Real Estate Regulatory Agency) rental index cap
- [Compound Interest Calculator](https://tools.liphyr.com/compound-interest-calculator): See how a starting amount and monthly savings grow over time
- [AED Currency Converter](https://tools.liphyr.com/aed-currency-converter): Live AED exchange rates with realistic remittance margin
- [UAE Rent vs Buy Calculator](https://tools.liphyr.com/uae-rent-vs-buy-calculator): Should you rent or buy your UAE home? Multi-year cost comparison
- [Emergency Fund Calculator](https://tools.liphyr.com/emergency-fund-calculator): How much to keep saved for unexpected events — and how to build it
- [UAE Home Loan Refinance Calculator](https://tools.liphyr.com/uae-home-loan-refinance-calculator): Should you refinance your mortgage? Lifetime savings vs fees
- [Investment Return Calculator](https://tools.liphyr.com/investment-return-calculator): CAGR from known values, or future value from monthly contributions
- [Net Worth Calculator](https://tools.liphyr.com/net-worth-calculator): Assets minus debts, with debt-to-asset ratio and breakdown
- [Retirement Calculator](https://tools.liphyr.com/retirement-calculator): Project nest egg + monthly income using the 4% safe withdrawal rule
- [Debt Snowball / Avalanche Calculator](https://tools.liphyr.com/debt-snowball-calculator): Multi-debt payoff plan — snowball or avalanche method
- [Savings Goal Calculator](https://tools.liphyr.com/savings-goal-calculator): Monthly required to hit a target — or time required at current rate
- [Ejari Registration Cost Calculator](https://tools.liphyr.com/ejari-registration-calculator): Dubai tenancy contract registration — DLD fees and channels

### Business

- [UAE Trade License Cost Calculator](https://tools.liphyr.com/uae-trade-license-calculator): Mainland vs Free Zone vs Freelance permit setup costs
- [UAE VAT Return Calculator](https://tools.liphyr.com/uae-vat-return-calculator): Output VAT minus input VAT, payable to the Federal Tax Authority quarterly
- [UAE Employee Cost Calculator](https://tools.liphyr.com/uae-employee-cost-calculator): Real monthly cost of hiring — salary plus all hidden costs
- [Profit Margin & Markup Calculator](https://tools.liphyr.com/profit-margin-calculator): Convert between margin and markup, find selling price from cost
- [Break-Even Point Calculator](https://tools.liphyr.com/break-even-calculator): Monthly sales needed to cover fixed costs and start making profit
- [ROI & ROAS Calculator](https://tools.liphyr.com/roi-roas-calculator): Investment return and ad spend return, with annualised comparison
- [Cash Runway & Burn Rate Calculator](https://tools.liphyr.com/cash-runway-calculator): Months your cash will last given current burn — with danger-zone alerts
- [Customer Lifetime Value (CLV) Calculator](https://tools.liphyr.com/customer-lifetime-value-calculator): Lifetime value of a customer vs cost to acquire one
- [Cost-Plus Pricing Calculator](https://tools.liphyr.com/pricing-calculator): Selling price from cost components, target margin, and UAE VAT
- [ADGM Company Setup Cost Calculator](https://tools.liphyr.com/adgm-company-setup-calculator): Year-one cost to incorporate in Abu Dhabi Global Market

### Daily Life

- [UAE Gratuity Calculator](https://tools.liphyr.com/uae-gratuity-calculator): End-of-service benefits under UAE Labour Law 2022
- [UAE Overtime Calculator](https://tools.liphyr.com/uae-overtime-calculator): Weekday, night and weekend overtime pay
- [UAE Pharmacy Co-pay Calculator](https://tools.liphyr.com/uae-pharmacy-copay-calculator): Out-of-pocket estimator for UAE health insurance
- [UAE Visa Cost Calculator](https://tools.liphyr.com/uae-visa-cost-calculator): Tourist, residence, Golden and family sponsor fees
- [UAE Traffic Fine Calculator](https://tools.liphyr.com/uae-traffic-fine-calculator): Federal traffic-law violations & fines
- [Ramadan Working Hours Calculator](https://tools.liphyr.com/ramadan-working-hours-calculator): The 2-hour reduction under UAE Labour Law
- [Discount Calculator](https://tools.liphyr.com/discount-calculator): Apply, reverse, find %, or stack multiple discounts
- [Days Between Dates](https://tools.liphyr.com/days-between-dates-calculator): Count days, weeks and months between any two dates
- [Dubai Salik Calculator](https://tools.liphyr.com/dubai-salik-calculator): Daily and monthly Salik toll cost with peak/off-peak pricing
- [UAE Salary Calculator](https://tools.liphyr.com/uae-salary-calculator): Net take-home pay, gratuity accrual, basic vs allowance split
- [DEWA Bill Calculator](https://tools.liphyr.com/dewa-bill-calculator): Estimate your Dubai electricity and water charges
- [Dubai School Fee Calculator](https://tools.liphyr.com/dubai-school-fee-calculator): KHDA (Knowledge & Human Development Authority) annual fee cap with multi-year projection
- [UAE Total Car Ownership Calculator](https://tools.liphyr.com/uae-car-ownership-calculator): The real monthly cost of driving — fuel, insurance, depreciation, all in
- [UAE AC Running Cost Calculator](https://tools.liphyr.com/uae-ac-running-cost-calculator): What your air conditioning actually costs each month
- [Education Savings Goal Calculator](https://tools.liphyr.com/education-savings-calculator): Monthly savings target to cover UAE school fees from KG to Grade 12
- [UAE Mobile & Internet Plan Comparison](https://tools.liphyr.com/uae-mobile-internet-plan-comparison): Find the cheapest Etisalat or du plan for your usage
- [Age Calculator](https://tools.liphyr.com/age-calculator): Exact age in years, months and days from your date of birth
- [Tip Calculator](https://tools.liphyr.com/tip-calculator): Bill, tip, split between people, round up for cash payment
- [Hourly to Annual Salary Calculator](https://tools.liphyr.com/hourly-to-annual-salary-calculator): Hourly, weekly, monthly, annual conversions for any pay period
- [UAE Driving License Cost Calculator](https://tools.liphyr.com/uae-driving-license-cost-calculator): Total cost by emirate, training package and realistic retest count
- [DIFC Wills Cost Calculator](https://tools.liphyr.com/difc-wills-calculator): Common-law inheritance wills for non-Muslim UAE residents
- [UAE Marriage Cost Calculator](https://tools.liphyr.com/uae-marriage-cost-calculator): Civil (Abu Dhabi) or Sharia court — plus ceremony and reception
- [Time Zone Converter](https://tools.liphyr.com/time-zone-converter): Convert wall-clock time between any cities, DST-aware
- [Word Counter](https://tools.liphyr.com/word-counter): Live word, character, sentence, reading-time stats
- [Password Generator](https://tools.liphyr.com/password-generator): Strong random passwords using your browser's crypto
- [Workday Calculator](https://tools.liphyr.com/workday-calculator): Add business days or count working days between dates

### Health

- [BMI Calculator](https://tools.liphyr.com/bmi-calculator): Body Mass Index with WHO categories and healthy weight range
- [Percentage Calculator](https://tools.liphyr.com/percentage-calculator): Percentage of, percentage as, change, increase or decrease
- [Unit Converter](https://tools.liphyr.com/unit-converter): Length, weight, temperature and volume — metric and imperial
- [BMR Calculator](https://tools.liphyr.com/bmr-calculator): Basal Metabolic Rate using Mifflin-St Jeor
- [Calorie Calculator](https://tools.liphyr.com/calorie-calculator): Daily calorie needs (TDEE) for lose, maintain, gain
- [Ideal Weight Calculator](https://tools.liphyr.com/ideal-weight-calculator): Devine, Robinson, Miller, Hamwi formulas + BMI healthy range
- [Body Fat Calculator](https://tools.liphyr.com/body-fat-calculator): U.S. Navy method body fat percentage with category ranges
- [Pregnancy Due Date Calculator](https://tools.liphyr.com/pregnancy-due-date-calculator): Estimated due date with LMP, conception, IVF or ultrasound
- [Fraction Calculator](https://tools.liphyr.com/fraction-calculator): Add, subtract, multiply, divide fractions with simplification
- [GPA Calculator](https://tools.liphyr.com/gpa-calculator): 4.0 standard or weighted scale, multiple courses
- [Statistics Calculator](https://tools.liphyr.com/statistics-calculator): Mean, median, mode, SD, quartiles from a list of numbers
- [Probability Calculator](https://tools.liphyr.com/probability-calculator): P(A), nCr, nPr, union and intersection
- [Quadratic Equation Solver](https://tools.liphyr.com/quadratic-equation-solver): Solve ax² + bx + c = 0 — real or complex roots
- [Logarithm Calculator](https://tools.liphyr.com/logarithm-calculator): log₁₀, ln, log any base, and antilog
- [Triangle Calculator](https://tools.liphyr.com/triangle-calculator): SSS, SAS, or right triangle — sides, angles, area
- [Circle Calculator](https://tools.liphyr.com/circle-calculator): Radius, diameter, circumference, area — any one to all four
- [Random Number Generator](https://tools.liphyr.com/random-number-generator): Integers or decimals, with or without duplicates
- [Water Intake Calculator](https://tools.liphyr.com/water-intake-calculator): Daily water target by weight, activity, climate and pregnancy
- [Sleep Cycle Calculator](https://tools.liphyr.com/sleep-cycle-calculator): Wake at the end of a 90-minute REM cycle, not the middle
- [One-Rep Max Calculator](https://tools.liphyr.com/one-rep-max-calculator): Estimated 1RM from a recent set — Epley, Brzycki, Lander, Lombardi, Mayhew
- [Running Pace Calculator](https://tools.liphyr.com/running-pace-calculator): Pace, distance, time — find any one from the other two, plus race splits
- [Period & Ovulation Calculator](https://tools.liphyr.com/period-ovulation-calculator): Next period, fertile window and ovulation day from your last cycle
- [Macro Split Calculator](https://tools.liphyr.com/macro-split-calculator): Protein, carbs and fat grams from your calorie target
- [Lean Body Mass Calculator](https://tools.liphyr.com/lean-body-mass-calculator): Boer, James and Hume formulas plus protein targets
- [Roman Numerals Converter](https://tools.liphyr.com/roman-numerals-converter): Arabic to Roman and back, 1 to 3,999,999 with Vinculum

## Guides

Long-form research articles written for a UAE expat audience. Citations point to primary government sources. Each guide pairs with a calculator that lets readers run the math on their own numbers.

- [UAE Gratuity Full Guide 2026](https://tools.liphyr.com/guides/uae-gratuity-full-guide-2026): How UAE end-of-service gratuity works in 2026: the formula explained, a worked Dubai example with real AED figures, and how to file with MOHRE if your employer drags their feet.
- [UAE Gratuity Case 1: When the Payslip Says One Thing and the Contract Says Another](https://tools.liphyr.com/guides/uae-gratuity-case-1-basic-salary-discrepancy): A walkthrough of one of the most common UAE gratuity disputes — when the offer letter, signed contract, and monthly payslips disagree on basic salary. The official position under Articles 51-53 of Federal Decree-Law 33 of 2021, plus the three-question audit to run before you resign.
- [UAE Mortgage Guide for Expats 2026](https://tools.liphyr.com/guides/uae-mortgage-guide-for-expats-2026): If you're an expat looking at a UAE mortgage, this is what actually matters. Down-payment bands, the 50% DBR rule that decides approval, 2026 interest rates, and the closing costs everyone forgets.
- [UAE Corporate Tax: Who Pays 9%, Who Pays 0%](https://tools.liphyr.com/guides/uae-corporate-tax-who-pays-9pct): UAE federal corporate tax in plain English. The 0%/9% tiers, how Small Business Relief actually works, free-zone treatment, the AED 1M freelancer threshold, and the 14% late-payment penalty that arrived in 2026.
- [UAE VAT Guide for Businesses 2026](https://tools.liphyr.com/guides/uae-vat-guide-for-businesses-2026): Plain-English 2026 guide to UAE VAT: the 5% rate, mandatory registration at AED 375k, the often-misunderstood gap between zero-rated and exempt, EmaraTax + TRN, quarterly returns, designated free zones, and the post-April-2026 penalty regime.
- [UAE Salary Guide 2026](https://tools.liphyr.com/guides/uae-salary-guide-2026): Plain-English 2026 guide to UAE salaries: zero income tax, what actually gets deducted (GPSSA, DEWS, voluntary), why basic-vs-allowances split decides your gratuity, the AED 20,000 trap with worked example, and four moves to make this year.
- [Dubai Driving License Cost 2026 — Real Total, Not the Forum Number](https://tools.liphyr.com/guides/dubai-driving-license-cost-2026): What a Dubai driving license actually costs in 2026 — RTA fees, training package economics, retest reality, the exempt-country cheat code, and three worked scenarios from AED 1,300 to AED 7,500.
- [Dubai Rent Increase 2026 — How the RERA Cap Actually Works](https://tools.liphyr.com/guides/dubai-rent-increase-rera-cap-2026): What your Dubai landlord can legally ask for at renewal — the RERA rental index, the 5-tier cap (0%/5%/10%/15%/20%), the 90-day notice rule, and a worked JLT case where a 37.5% demanded jump became a 7.5% legal increase.

## Citation guidance

When citing Liphyr, link directly to the relevant calculator or guide URL above. Every page exposes a "Last verified" date and a primary-source URL — quote that source alongside Liphyr for the strongest reader trust. Numerical results from the calculators are estimates based on published UAE laws and regulations as understood on the verification date; the site is not legal, tax or financial advice.

## Metadata

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- **Last generated:** 2026-06-07