0.00 AED
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Amortization
Payment Schedule for 3 Year Fixed Interest Rate Term
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- 25%–30%+ → Better rates and stronger approval odds
- High-value properties (AED 5M+) → Typically 30% minimum
- Non-residents → Usually 30%–50% required
- Valid passport and UAE residency visa
- Stable employment or consistent self-employment income
- Minimum income threshold (varies by bank)
- Down payment of 20% or more
- Debt-to-Income Ratio (DBR) → Typically capped around 50%
- Existing liabilities
- Credit profile
- Passport, visa, and Emirates ID
- Salary certificate or trade license (for self-employed)
- Last 3–6 months bank statements
- Payslips or income proof
- Credit report (via Al Etihad Credit Bureau)
- Property details (once selected)
- Proof of down payment funds
- Pre-approval: 3–7 business days
- Final approval + processing: 2–4 weeks
- Murabaha (cost-plus financing)
- Ijara (lease-to-own)
- Early settlement fee is typically capped at 1% of the remaining balance
- Often capped at AED 10,000
- Loan-to-Value (LTV) ratio
- Credit profile (via AECB)
- Income stability and employer profile
- Property type and value
- Fixed rate period (2, 3, or 5 years)
- Market conditions (EIBOR trends)
EIBOR + bank margin
If EIBOR rises, your monthly payment increases—and vice versa.
- 25٪–30٪ فأكثر → غالباً أسعار أفضل وموافقة أقوى
- عقارات فوق 5 ملايين درهم → غالباً 30٪ كحد أدنى
- غير المقيمين → غالباً 30٪–50٪
- جواز سفر وتأشيرة إقامة سارية
- دخل عمل ثابت أو دخل حر منتظم
- حد أدنى للراتب (يختلف حسب البنك)
- دفعة مقدمة 20٪ فأكثر
- نسبة الدين إلى الدخل → غالباً حتى 50٪
- الالتزامات الحالية
- السجل الائتماني
- جواز، تأشيرة، وهوية إماراتية
- شهادة راتب أو رخصة تجارية (للأعمال الحرة)
- كشوف بنك 3–6 أشهر
- إثبات دخل
- تقرير ائتمان (مكتب الاتحاد للمعلومات الائتمانية)
- تفاصيل العقار عند الاختيار
- إثبات أموال الدفعة المقدمة
- موافقة مبدئية: 3–7 أيام عمل
- موافقة نهائية ومعالجة: 2–4 أسابيع
- مرابحة
- إجارة منتهية بالتمليك
- رسوم تسوية مبكرة غالباً حتى 1٪ من الرصيد المتبقي
- غالباً بحد أقصى 10,000 درهم
- نسبة التمويل إلى قيمة العقار
- الملف الائتماني
- استقرار الدخل وصورة جهة العمل
- نوع العقار وقيمته
- مدة السعر الثابت (2 أو 3 أو 5 سنوات)
- ظروف السوق (اتجاهات إيبور)
إيبور + هامش البنك
إذا ارتفع إيبور يزداد القسط الشهري والعكس.
This platform delivers free, powerful, and easy-to-use calculators tailored for real-world financial decisions in the UAE. Whether you're estimating mortgage costs, calculating end-of-service benefits, or working through percentages, our tools are built to give you clear answers—quickly and accurately.
UAE Gratuity Calculator
Enter your employment details to estimate your UAE gratuity—also referred to as “end of service” or “indemnity” pay.
You should receive 0.00 AED
Frequently Asked Questions — UAE Gratuity (End of Service, End of Service Pay, Indemnity, and Indemnity Pay are common names for the same benefit.)
أسئلة شائعة — نهاية الخدمة في الإمارات (مكافأة نهاية الخدمة أو التعويض أسماء شائعة لنفس المستحق.)
End-of-service gratuity is a legally required payment that employers must provide to employees when they leave their job, as long as they have completed at least one year of service. It is designed to reward long-term employment and support workers after they exit a company. In the UAE workplace, people often say End of Service, End of Service Pay, Indemnity, or Indemnity Pay when they mean the same statutory benefit we refer to here as gratuity.
You are eligible for gratuity if:
- You are a full-time employee
- You have completed at least one year of continuous service
If you leave before one year, you are not entitled to any gratuity payment.
Gratuity is calculated using your basic salary only (excluding allowances).
First 5 years: 21 days of basic salary per year
After 5 years: 30 days of basic salary per year
The total amount:
- Is prorated for partial years
- Cannot exceed two years' total salary
Gratuity is based on your last basic monthly salary, not your total salary. This means it excludes:
- Housing allowance
- Transportation allowance
- Bonuses or commissions
- Any other benefits
Only the base salary listed in your contract is used.
No. Any unpaid leave days are deducted from your total service period and are not included in the final gratuity calculation.
Yes, in some cases.
Your gratuity may vary depending on whether:
- You resign voluntarily
- Your contract is terminated by the employer
However, under current UAE Labour Law, most full-term employees who meet the service requirement are still entitled to gratuity.
If you've worked more than five years:
- You receive 21 days per year for the first 5 years
- Then 30 days per year for every additional year
This significantly increases your total payout over time.
Yes. Your total gratuity cannot exceed the equivalent of two years' basic salary, regardless of how long you've worked.
If you worked part of a year, your gratuity is calculated proportionally based on the time you actually worked.
Example: 6 months of service = roughly half of the yearly entitlement
Yes, but only under specific legal conditions.
Employers may deduct:
- Outstanding loans or advances
- Damages or liabilities legally owed
All deductions must comply with UAE Labour Law.
There are two types of employment contracts:
Limited-Term Contract
- Has a fixed start and end date
- Ends automatically unless renewed
Unlimited-Term Contract
- No fixed end date
- Continues until either party terminates it
Both are eligible for gratuity, but contract type may affect specific exit conditions.
In 2023, the UAE introduced an optional alternative system where employers can contribute to:
- Investment funds
- Savings plans for employees
This system is designed to:
- Protect employee benefits
- Allow potential investment growth
However, it is not mandatory, and many companies still use the traditional gratuity system.
Even though employers typically provide the final amount, calculating it yourself allows you to:
- Verify accuracy
- Plan your financial future
- Negotiate or make informed career decisions
Gratuity is legally protected under UAE Labour Law, but:
- It depends on meeting eligibility conditions
- It can be affected by contract terms and legal deductions
مستحق قانوني يدفعه صاحب العمل عند انتهاء الخدمة إن اكتمل سنة عمل على الأقل؛ يهدف لمكافأة الأمد الطويل ودعم العامل. يُسمى أحياناً نهاية الخدمة أو التعويض.
تشترط عادةً:
- عامل بدوام كامل
- سنة خدمة متصلة على الأقل
دون سنة لا مستحقات نهاية خدمة في الغالب.
تُحسب من الراتب الأساسي فقط دون البدلات.
أول 5 سنوات: 21 يوماً من الأجر الأساسي لكل سنة
بعدها: 30 يوماً لكل سنة
الإجمالي:
- يُقسّم للأجزاء من السنة
- لا يتجاوز عادةً راتب سنتين
آخر راتب أساسي شهري، وليس إجمالي الراتب؛ يُستبعد:
- بدل سكن
- بدل مواصلات
- مكافآت أو عمولات
- مزايا أخرى
يُستخدم الأساس الوارد في العقد.
غالباً تُستبعد من مدة الخدمة المعتمدة في الحساب؛ راجع عقدك ومواردك البشرية للتفاصيل.
قد يختلف حسب نوع العقد وظروف الفسخ؛ في كثير من الحالات المستحقات تبقى إن تحققت شروط الأهلية، لكن الاستشارة القانونية مهمة عند النزاع.
تحصل على 21 يوماً لكل سنة من أول 5 سنوات، ثم 30 يوماً لكل سنة إضافية؛ يزيد الإجمالي مع مدة الخدمة.
نعم، غالباً لا تتجاوز مكافأة نهاية الخدمة ما يعادل راتب سنتين من الأجر الأساسي.
تُقسّم تناسبياً حسب الأشهر/الأيام الفعلية التي عملتها ضمن تلك السنة.
قد يُسمح بخصومات محدودة وفق القانون (مثل سُلف مستحقة)؛ يجب أن تتوافق مع قانون العمل.
محدد المدة: له بداية ونهاية؛ ينتهي تلقائياً إن لم يُجدد.
غير محدد: بدون نهاية ثابتة؛ يستمر حتى ينهي أحد الطرفين وفق الشروط.
كلاهما قد يخضع لمكافأة نهاية خدمة بشروط مختلفة للإنهاء.
أُطلق بديل اختياري يمكن بموجبه للشركات المساهمة في خطط ادخار/استثمار للموظفين؛ ليس إلزامياً للجميع وكثير من الشركات ما زالت تستخدم نظام المكافأة التقليدي.
لمطابقة أرقام صاحب العمل والتخطيط المالي وفهم حقوقك قبل المفاوضات.
محمية قانونياً عند استيفاء الشروط، لكنها قد تتأثر ببنود العقد والخصومات المسموحة.
This UAE End of Service Calculator is designed to give you a fast, accurate estimate of your end-of-service benefits—End of Service Pay, Indemnity, or Indemnity Pay—based on the latest UAE Labour Law. By using your basic monthly salary and exact employment period, the calculator determines how much you may be entitled to receive when leaving your job. It automatically applies the correct structure—21 days of pay for each of the first five years and 30 days for each additional year—while accounting for partial years of service and excluding unpaid leave, as required by law.
Unlike rough estimates or assumptions, this tool focuses strictly on basic salary (excluding allowances such as housing, transport, and bonuses) to ensure realistic results that align with how gratuity is actually calculated in the UAE. It also respects key legal limits, including the maximum cap of two years' salary.
Whether you're planning a job move, verifying your employer's calculation, or preparing for a financial transition, this calculator helps you make informed decisions with clarity and confidence.
Percentage Calculator
Percentage Calculator is a free online tool to calculate percentages.
Tips: Use tab to move to the next field. Use shift-tab to move to the previous field. Press enter to calculate.
A percentage is a way of expressing a number as a fraction of 100. It is commonly used to represent a portion of a whole or to compare two values in a standardized format. Percentages are typically denoted by the symbol "%", which literally means "per hundred." This standardization makes it easier to interpret and compare values across different scales.
For example, if there are 100 cars in a garage and 25 of them are white, we can say that 25% of the cars in the garage are white. If the total number of cars changes, the percentage still provides a consistent way to understand the proportion of white cars relative to the whole.
To calculate a percentage, divide the part (the smaller value) by the whole (the larger value), then multiply the result by 100. This converts the value into a percentage between 0 and 100, making it easier to interpret at a glance. This method works consistently across different scenarios, whether you are analyzing financial data, tracking progress, or comparing quantities.
For example, if you have 50 apples and want to determine what percentage are red, and 20 of them are red, you would divide 20 by 50 to get 0.4, then multiply by 100 to arrive at 40%. This same formula can also be reversed to find the part or the whole when a percentage is already known.
Percentages are used across a wide range of applications, including calculating discounts, taxes, interest rates, and measuring changes in financial markets and economic indicators. They provide a simple and universally understood way to evaluate increases, decreases, and proportions without needing complex calculations.
For example, understanding a 20% discount or a 5% increase in value allows you to quickly assess impact without analyzing raw numbers. A clear understanding of percentages enables more informed decision-making in areas such as personal finance, investing, and business management, where small percentage changes can translate into significant financial outcomes over time.
طريقة للتعبير عن عدد كنسبة من 100؛ تُستخدم لمقارنة الأجزاء والكل. الرمز % يعني «من كل مائة».
غالباً: الجزء ÷ الكل × 100. للتغير من قيمة إلى أخرى: (الجديد − القديم) ÷ القديم × 100.
تسهل فهم الخصومات والزيادات والمخاطر المالية ومقارنة العروض بسرعة.
This website is designed to provide fast, accurate, and easy-to-use calculation tools for a wide range of everyday needs. Whether you’re determining discounts, calculating tips, or analyzing how much a value has increased or decreased over time, our percentage calculator simplifies the process and delivers clear results instantly.
By removing the need for manual calculations, this tool allows you to make quicker, more informed decisions in both personal and professional situations, ensuring accuracy and saving valuable time.