GulfSums

GulfSums is a free set of money calculators for people living and working in the UAE and Saudi Arabia, available in English and Arabic. Calculate your end-of-service gratuity under the UAE labour law or Saudi EOSB rules, see the real cost of a Dubai mortgage including the 4% DLD fee and agent fees, and check how much you can borrow on your salary.

It also covers UAE corporate tax (9% and Small Business Relief), Saudi dependent and iqama fees, rent vs buy, rental yield, the RERA rent increase rules, flat vs reducing loan rates, UAE/KSA VAT, DEWA bills, Salik, overtime and leave salary, plus live gold rates, AED exchange rates and prayer times. Every tool shows its formula and a worked example. No sign-up and no data stored.