How to Use Dubai Calculators | Mortgage, Percent & Gratuity Help

UAE Mortgage Calculator

Start with the basics

Property Value: Sets the purchase price of the home. Use the slider for quick changes.
Down Payment (%): Sets the percentage you’ll pay up front. The tool automatically updates the down payment amount.
Down payment sentence: Shows the exact up-front down payment in AED based on your inputs.
Loan amount: Updates automatically. This reflects how much you’re borrowing.

Interest and loan duration

Interest Rate: Adjusts the mortgage rate. You can type a value or use the slider.
Fixed Rate Period: Choosing a term updates the interest rate and recalculates payments.
Loan Period: The number of years used for the full amortization calculation.

Mandatory Closing Costs (Dubai / Abu Dhabi)

Dubai / Abu Dhabi selector: Totals always use the selected city only (never combined).
Show Fees: Expands fee inputs. Percentage-based items show a % symbol; flat AED fees show the AED icon.
Down Payment + Closing: Shows the grand total you must have up front (down payment + closing fees). Use CONVERT after AED for USD, EUR, and GBP (see CONVERT (other currencies) below).
Mobile: On narrow screens, the Down Payment + Closing amount (not the label) is shown in a larger font for readability.

CONVERT (other currencies)

CONVERT appears after AED on Monthly Payment and on Down Payment + Closing. Tap it to expand a short list of the same amount in USD, EUR, and GBP.
Rates are loaded from a public exchange-rate service when you’re online; built-in backup figures keep conversions working if that service is temporarily unavailable.

Right-side results

Monthly Payment: Displays the total monthly cost estimate in AED. Use CONVERT (next to AED) for USD, EUR, and GBP. On phones, the “Monthly Payment” line is sized so it usually stays on one line.
Total Interest Paid: Shows total interest over the full loan period.
Total Principal Paid: Shows the total borrowed amount repaid over the life of the loan.

Payment Schedule

Payment Schedule title: Updates automatically to match your selected fixed-rate term.
Expandable years: Click a year row to expand and see individual payments.
Download Complete Schedule (PDF): Generates a PDF including your inputs, results, and full schedule.

Percentage Calculator

Getting started

On the main site, open the Percent tab in the top navigation (between Mortgage and Gratuity).
The page has three gray cards, one for each type of percentage question. Each card is one sentence with input boxes, a CALCULATE button, and a result field on the right.

Card 1 — “What is … % of … ?”

Enter the percentage in the first box and the number you’re taking a percent of in the second (for example: “What is 15 % of 200 ?”).
Click CALCULATE. The result appears in the output box on the right. This answer is a plain number (there is no % sign after it).

Card 2 — “… is what percent of … ?”

Enter the part (smaller value) first, then the whole (the total you’re comparing against).
Click CALCULATE. The result is a percentage; a % symbol is shown next to the output so you can read it as “what percent of the whole the part represents.”

Card 3 — Increase or decrease from one value to another

Enter the original value first (“from”), then the new value (“to”).
Click CALCULATE. The result is the percentage change from the first number to the second. A positive result is an increase; a negative result is a decrease. The % appears beside the output.

Keyboard and errors

Tab moves to the next field; Shift+Tab moves to the previous field.
With the cursor in an input on a card, press Enter to run that card’s calculation (same as clicking CALCULATE).
If something can’t be calculated (for example, dividing by zero), the output shows a short message instead of a number—fix the inputs and try again.

Percentage FAQ’s and About

Below the three cards, open Percentage FAQ’s with Show More for explanations of what a percentage is, how to calculate one, and why percentages matter.
The About section describes how this percentage tool fits into the site. Footer links match the rest of the calculator (Help, Contact, Privacy on other pages).

Gratuity Calculator

Getting started

On the main site, open the Gratuity tab in the top navigation (after Percent).
The top card is split in two: employment details on the left and your estimated gratuity on the right, with a thin divider between them (on phones the sections stack vertically).

Entering dates and salary

First day of work and Last day of work: Use the date fields (calendar icon). Last day must be on or after the first day.
When both dates are valid, you’ll see a tenure summary under the last day (for example years, months, and days) and, on the right, how many days employed (inclusive count used in the calculation).
Basic monthly salary (AED): Enter your contract basic only—not housing, transport, bonuses, or other allowances. You can type commas; the field formats on blur.
Tap CALCULATE. If anything is missing or invalid, a short message appears under the button. Under one year of service, the estimate is 0 AED (typical UAE rule).

Understanding the result

You should receive shows the tool’s estimate in AED, based on common UAE rules: 21 days of basic pay per year for the first five years, then 30 days per year after that, with partial years prorated. The total is capped at two years’ basic salary.
CONVERT next to AED opens USD, EUR, and GBP equivalents (same behaviour as the mortgage calculator—live rates when online, backup rates if needed).
Unpaid leave is not subtracted from the dates you enter; if that applies to you, check with HR. The line under the button reminds you the figure is an estimate only.

FAQ, About, and mobile

Below the calculator card, open UAE Gratuity FAQ’s with Show More for detailed questions on eligibility, calculation method, salary used, limits, contracts, and more.
About This UAE Gratuity Calculator explains what the tool is for and how it approaches the law—no toggle; it’s always visible under the FAQ block.
On small screens, the date fields stack in a single column so they stay inside the card and are easy to tap.