United Arab Emirates · 2025
No income tax, but a lot still to plan in the UAE
82 free calculators covering take-home pay with no personal income tax, end-of-service gratuity, GPSSA pension and workplace savings, corporate tax and free zone rules, VAT and excise, mortgages with DLD fees, investing, remittances, and insurance. Every page cites its FTA, MOHRE, or DLD source.
- 82
- Calculators
- AED
- Dirham-ready
- FTA
- Official source
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Salary & pay
12 toolsSalary, take-home pay, wages, overtime, and end-of-employment pay.
Take-Home Pay
Salary to net (no income tax).
Salary Breakdown
Basic, allowances, gross.
Cost to Employer
Full employment cost.
Bonus
Annual bonus value.
Pay Rise
What a raise adds.
Overtime Pay
MOHRE overtime rates.
Daily Wage
Day rate from salary.
Hourly to Salary
Annualise a wage.
Salary to Hourly
Effective hourly.
Annual Leave Pay
Leave entitlement pay.
Notice Period Pay
Pay during notice.
Final Settlement
End-of-service dues.
Business & tax
14 toolsCorporate tax, VAT, excise, customs, and self-employed tax.
Corporate Tax
9% above AED 375k.
Free Zone Corporate Tax
Qualifying income 0%.
Corporate Tax vs Free Zone
Mainland vs free zone.
Corporate Tax Instalment
Payment schedule.
DMTT Top-Up Tax
Pillar Two 15% MNEs.
Small Business Relief
AED 3m revenue cap.
Freelancer Tax
Sole proprietor tax.
Day-Rate Contractor
Contractor income.
Trade Licence Break-Even
Licence cost recovery.
VAT
5% add or remove.
VAT Registration
AED 375k threshold.
VAT Return
Payable or refund.
Excise Tax
Tobacco, energy, soft drinks.
Import Duty
Customs duty 5%.
End of service & retirement
11 toolsGratuity, GPSSA pension, savings schemes, and financial independence.
Gratuity
End-of-service benefit.
Gratuity vs Savings Scheme
Compare the two.
End-of-Service Gap
Shortfall vs needs.
MOHRE Savings Scheme
Alternative to gratuity.
DEWS Savings Projection
DIFC workplace savings.
GPSSA Pension Contribution
Nationals pension.
GPSSA Pension Projection
Projected pension.
Expat Retirement Savings
Balance at retirement.
Retirement Drawdown
Spend-down plan.
FIRE
Financial independence.
Coast FIRE
Coast to retirement.
Property & mortgage
17 toolsMortgages, affordability, transaction costs, rental, and Golden Visa.
Mortgage
Repayment + interest.
Affordability
How much you can borrow.
LTV / Deposit
Loan-to-value + deposit.
Overpayment
Pay off sooner.
Debt Burden Ratio
DBR 50% cap.
Registration Fee
Mortgage reg cost.
DLD Transfer Fee
Dubai Land Dept 4%.
Property Purchase Cost
All upfront costs.
Property Transaction Costs
Fees on buy/sell.
Off-Plan Property Cost
Payment plan costs.
Service Charge
Annual service fees.
Capital Gain
Gain on a sale.
Rental Yield
Gross + net yield.
Rent vs Buy
Buy or rent + invest.
Rent Increase
RERA rent cap.
Golden Visa (Property)
AED 2m threshold.
Housing Fee
Municipality housing fee.
Investing & savings
6 toolsCompound growth, deposits, gold, and savings accounts.
Personal finance
15 toolsNet worth, budgeting, debt, loans, remittances, and life costs.
Net Worth
Assets minus debts.
Budget (50/30/20)
Needs / wants / savings.
Emergency Fund
Cash buffer.
Savings Goal
Monthly to a target.
Savings Rate
Share of salary saved.
Debt Payoff
Time + interest.
Credit Card Payoff
Clear the balance.
Personal Loan
Repayments.
Car Loan
Vehicle finance.
Remittance
Send money home.
Currency (AED/USD)
Convert AED and USD.
Inflation
Real value.
Cost of Living
City to city.
Zakat
2.5% on eligible wealth.
Family Sponsorship
Visa salary threshold.
Insurance
7 toolsHealth, life, income, critical illness, and home cover.