Disclaimer

Estimates, not advice

The calculators and articles on GulfHisaab are for general information and education. Results are estimates based on the values you enter and the assumptions described on each page. They are not legal, financial, tax or investment advice, and they are not a quote, offer or approval from any employer, lender or authority.

Your actual figures may differ

Real outcomes can differ from our estimates because of, among other things:

• amendments to laws, regulations or Central Bank rules after the page was reviewed;
• the terms of your employment contract, and deductions or benefits it provides;
• whether you work under the federal labour law or a free zone with its own rules, such as DIFC or ADGM;
• fees, charges and rounding practices specific to your employer, bank or lender.

Where the law leaves a detail open, such as how a monthly salary converts to a daily wage, each page says which convention it uses. Your employer, MOHRE or a court may apply a different one.

Not a regulated adviser

GulfHisaab and Vertex Data Systems FZCO are not a law firm, bank, finance company, insurer or broker, and are not licensed to give legal or financial advice. We do not recommend or sell specific financial products.

Check before you act

Before making a decision, confirm the figures with your employer, bank or the relevant authority — for labour matters, the Ministry of Human Resources and Emiratisation (MOHRE) — and consider speaking to a qualified lawyer, accountant or licensed adviser.

How our calculators work is explained in How we calculate. If you think a result is wrong, please tell us.