UAE Financial Calculators
Free calculators for UAE residents and expats. Mortgage rates from Emirates NBD, FAB, and ADCB. VAT at 5%, gratuity under UAE Labour Law, and AED salary breakdowns — all updated April 2026.
UAE Mortgage Calculator
Calculate monthly mortgage EMI in AED using live UAE bank rates from Emirates NBD, FAB, and ADCB.
Rates as of April 2026: Emirates NBD 5.25–6.5%, FAB 4.99–5.99%, ADCB 5.5–6.99%. Default 5.5% is a mid-market estimate.
UAE VAT Calculator
Add or remove 5% UAE VAT from any amount. VAT was introduced in the UAE in January 2018.
UAE VAT is 5% flat, introduced January 2018. Certain sectors (healthcare, education, exports) are zero-rated or exempt.
UAE Gratuity Calculator
Calculate end of service gratuity under UAE Labour Law — 21 days/year for first 5 years, 30 days/year thereafter, capped at 2 years' salary.
Based on UAE Federal Decree-Law No. 33 of 2021. Gratuity is calculated on basic salary only (excludes allowances). Cap is 2 years' basic salary.
UAE Salary Calculator
Calculate your take-home salary in UAE. There is no income tax in the UAE. WPS salary structure breakdown.
UAE has zero personal income tax. Salaries are paid through the Wage Protection System (WPS). Some employers offer DEWS or DIFC end-of-service savings plans.
AED Currency Converter
Convert AED to major currencies. The UAE Dirham (AED) is pegged to USD at 3.6725.
AED is pegged to USD at exactly 3.6725 since 1997. Other rates are indicative as of April 2026.
Financial Calculators for UAE Residents
The UAE has one of the world's most favourable tax environments — zero personal income tax for residents and expats. However, understanding mortgage rates from banks like Emirates NBD, First Abu Dhabi Bank (FAB), and ADCB, navigating the 5% VAT introduced in 2018, and computing end-of-service gratuity under Federal Decree-Law No. 33 of 2021 still requires accurate calculation tools.
Our UAE calculators use the latest rates as of April 2026 and follow UAE Labour Law for gratuity calculations. Whether you're an expat buying property in Dubai, a business owner filing VAT returns, or an employee computing your gratuity entitlement — CalcHub gives you instant, accurate results in AED.