Gulffigure.com — UAE Calculators for Everyday Life

Articles

Research-based answers to the questions people actually ask about money, work and life in the UAE. Every article cites the rule behind the answer.

Work & End of Service

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Is UAE Gratuity Calculated on Basic Salary or Gross Salary?

Why the same package can produce very different gratuities.

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Does Resigning Reduce Gratuity in the UAE?

The 2022 rule change most calculators still get wrong.

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How Is Leave Salary Calculated in the UAE?

Unused annual leave encashment, explained with an example.

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How Is Notice Period Pay Calculated in the UAE?

Pay in lieu of notice — who pays whom, with examples.

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How Is Overtime Calculated in the UAE?

Basic + 25% day, + 50% night — the exact formula.

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Probation Period in UAE: Rules for Employees

Max 6 months, notice rules and your rights during probation.

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Annual Leave in UAE: How Many Days Do You Get?

30 days a year — accrual, carry-forward and encashment.

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Maternity Leave in UAE: Duration, Pay & Rights

60 days, pay structure, nursing breaks and job protection.

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Sick Leave in UAE: Rules, Duration & Pay

90 days a year — pay ladder, certificates and your rights.

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WPS in UAE: What Is the Wage Protection System?

How salary must be paid — and what delays mean for you.

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Money & Loans

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What Is the Debt Burden Ratio in the UAE?

The 50% rule behind every loan approval, with examples.

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How Much Personal Loan Can I Get in the UAE?

Up to 20× salary — but the DBR usually decides. Examples inside.

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Flat vs Reducing Interest Rate: What's the Real Difference?

5% flat ≈ 9–10% reducing. The comparison banks hope you won't make.

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Car Loan vs Personal Loan in UAE: Which Is Better?

Rates, terms and trade-offs — which fits your purchase?

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Mortgage Pre-Approval in Dubai: How It Works

Documents, validity, costs — get it before house hunting.

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Best Way to Send Money from UAE to India

Exchange houses vs banks vs apps — rates, fees and speed.

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Tax & VAT

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UAE VAT Invoice Requirements: What the FTA Expects

TRN, numbering, VAT breakdown — the invoice checklist.

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UAE VAT Penalties: Late Registration, Filing & Payment

What the FTA charges — and how voluntary disclosure helps.

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Zero-Rated vs Exempt VAT in UAE: The Key Difference

Both are 0% — but only one lets you reclaim input VAT.

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Living in the UAE

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Cheapest Areas to Rent in Dubai (2026)

International City, Deira, Discovery Gardens and more — with rents.

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Ejari in Dubai: What It Is & How to Register

Mandatory tenancy registration — cost, documents, process.

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DEWA for New Tenants: How to Apply

Deposits, activation fees and the step-by-step process.

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Cheapest Schools in Dubai (2026)

Quality education under AED 15k/year — curricula and KHDA ratings.

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UAE Golden Visa: Cost, Requirements & Benefits

10-year residency — routes, costs and benefits explained.

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Freelance Visa in Dubai: Cost & How to Apply

Permit costs, establishment card and the full process.

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