# CalcBright

> CalcBright (calcbright.com) is a free calculator site for employees and expats in the Gulf (UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman) and the wider Arab world, in English and Arabic. It answers money questions under each country's own rules – end-of-service gratuity under the labour law, GOSI and social insurance, take-home pay in 166 countries, VAT, zakat, overtime, Dubai property costs – and shows the rule it applies, the official source, a worked example and when the page was last reviewed. No sign-up. Results are estimates, not legal, tax or financial advice.

## Best pages for Gulf & expat money questions
### End of service & gratuity (Gulf and Arab labour laws)
- [UAE Gratuity Calculator](https://calcbright.com/uae-gratuity-calculator) · Arabic: https://calcbright.com/ar/uae-gratuity-calculator: AED 10,000 basic for 7 years earns AED 55,000 in gratuity. Check your UAE end-of-service benefit: 21 days’ pay a year for 5 years, then 30, under the 2021 law. (reviewed 2026-10-25)
- [Saudi End of Service](https://calcbright.com/saudi-end-of-service-calculator) · Arabic: https://calcbright.com/ar/saudi-end-of-service-calculator: SAR 12,000 a month for 7 years earns SAR 54,000 – or SAR 36,000 if you resign. Saudi end-of-service award under Labour Law Articles 84–85, part-years included. (reviewed 2026-10-26)
- [GCC Gratuity Calculator](https://calcbright.com/gcc-gratuity-calculator) · Arabic: https://calcbright.com/ar/gcc-gratuity-calculator: QAR 10,000 basic for 7 years earns QAR 49,000 in Qatar. End-of-service gratuity for Qatar, Kuwait, Bahrain and Oman, each under its own Labour Law article. (reviewed 2026-10-26)
- [Egypt End of Service Calculator](https://calcbright.com/egypt-end-of-service-calculator) · Arabic: https://calcbright.com/ar/egypt-end-of-service-calculator: EGP 15,000 a month for 7 years: at least EGP 210,000 for an unjustified dismissal, plus EGP 45,000 if you got no notice – Egypt’s 2025 Labour Law. (reviewed 2026-10-26)
- [Jordan End of Service Calculator](https://calcbright.com/jordan-end-of-service-calculator) · Arabic: https://calcbright.com/ar/jordan-end-of-service-calculator: JOD 600 a month for 7 years outside social security earns a JOD 4,200 end-of-service bonus in Jordan (Labour Law Art. 32) – even if you resign. (reviewed 2026-10-26)
- [Morocco Severance Pay Calculator](https://calcbright.com/morocco-severance-calculator) · Arabic: https://calcbright.com/ar/morocco-severance-calculator: MAD 8,000 a month for 10 years earns MAD 50,261.78 severance in Morocco (Labour Code Art. 53) – plus notice pay, and court damages if the dismissal is abusive. (reviewed 2026-10-26)

### Social insurance & pensions
- [GOSI Calculator](https://calcbright.com/gosi-calculator) · Arabic: https://calcbright.com/ar/gosi-calculator: SAR 12,500 basic + housing costs a Saudi SAR 1,218.75 a month in GOSI (9.75%). See the July 2026 new-entrant rate, the 2% for expats and the SAR 45,000 cap. (reviewed 2026-10-27)
- [Egypt Social Insurance Calculator](https://calcbright.com/egypt-social-insurance-calculator) · Arabic: https://calcbright.com/ar/egypt-social-insurance-calculator: On an EGP 10,000 insurable wage you pay EGP 1,100 a month (11%) and your employer EGP 1,875 (18.75%). 2026 limits: EGP 2,700 to 16,700 under Law 148. (reviewed 2026-10-27)
- [Jordan Social Security Calculator](https://calcbright.com/jordan-social-security-calculator) · Arabic: https://calcbright.com/ar/jordan-social-security-calculator: 7.5% from you, 14.25% from your employer: a JOD 800 wage costs JOD 60 + JOD 114 a month. 2026 SSC ceiling: JOD 3,733 (JOD 5,000 if covered before May 2010). (reviewed 2026-10-27)

### Salary, overtime & take-home pay
- [Take-Home Pay Calculator](https://calcbright.com/take-home-pay-calculator) · Arabic: https://calcbright.com/ar/take-home-pay-calculator: $75,000 in Texas leaves $61,592.50 after 2026 federal tax and FICA; £50,000 in England £39,519.60. Net pay in 166 countries, the Gulf included, line by line. (reviewed 2026-10-29)
- [Tax-Free Salary Equivalent](https://calcbright.com/tax-free-salary-equivalent-calculator) · Arabic: https://calcbright.com/ar/tax-free-salary-equivalent-calculator: AED 25,000 a month tax-free needs $103,565 gross in Texas or $111,183 in Illinois. See the pay that matches a Gulf salary in the US, UK or Canada. (reviewed 2026-10-29)
- [Salary Converter](https://calcbright.com/salary-calculator) · Arabic: https://calcbright.com/ar/salary-calculator: $25 an hour is $52,000 a year; AED 6,000 a month is AED 200 a day under Gulf labour rules. Convert pay between hourly, daily, weekly, monthly and annual.
- [Overtime Calculator](https://calcbright.com/overtime-calculator) · Arabic: https://calcbright.com/ar/overtime-calculator: Saudi overtime on SAR 6,000 basic plus SAR 3,000 allowances is SAR 50 an hour, not SAR 37.50. Get UAE, Saudi and US overtime pay from your real salary. (reviewed 2026-10-28)
- [Pay Raise Calculator](https://calcbright.com/pay-raise-calculator) · Arabic: https://calcbright.com/ar/pay-raise-calculator: A 5% pay raise on $60,000 is $63,000 – only 1.25% more after 3.7% US inflation. See a raise per year, month and hour, what it is worth net and in the Gulf. (reviewed 2026-10-30)
- [Income Tax Calculator](https://calcbright.com/income-tax-calculator) · Arabic: https://calcbright.com/ar/income-tax-calculator: $100,000 single owes $13,170 in 2026 federal tax – 13.17%, not 22%. IRS brackets, $16,100 standard deduction, $2,200 child credit and the 65+ deductions. (reviewed 2026-10-29)

### Tax, VAT & zakat
- [UAE Corporate Tax Calculator](https://calcbright.com/uae-corporate-tax-calculator) · Arabic: https://calcbright.com/ar/uae-corporate-tax-calculator: AED 1 million of taxable income owes AED 56,250 in UAE corporate tax (5.63%). Covers the 0%/9% bands, Small Business Relief to 2029 and free zone 0%. (reviewed 2026-10-27)
- [VAT Calculator](https://calcbright.com/vat-calculator) · Arabic: https://calcbright.com/ar/vat-calculator: £120 with 20% VAT is £100 net: divide by 1.2, never take 20% off. Add or remove VAT at UK 20%, UAE 5%, Saudi 15% or any rate in 177 countries. (reviewed 2026-10-27)
- [Zakat Calculator](https://calcbright.com/zakat-calculator) · Arabic: https://calcbright.com/ar/zakat-calculator: AED 63,000 of savings, gold and shares owes AED 1,575 in zakat. Check today’s gold or silver nisab live in your currency, with 85 g or 87.48 g weights. (reviewed 2026-10-28)

### Property & loans
- [Dubai Mortgage Calculator](https://calcbright.com/dubai-mortgage-calculator) · Arabic: https://calcbright.com/ar/dubai-mortgage-calculator: AED 1.6M over 25 years at 4.25% is AED 8,667.81 a month. Get your Dubai mortgage EMI, the Central Bank’s minimum down payment and the full cash needed. (reviewed 2026-10-28)
- [DLD Fee Calculator](https://calcbright.com/dld-fee-calculator) · Arabic: https://calcbright.com/ar/dld-fee-calculator: A AED 2M Dubai home bought for cash costs AED 126,780 in fees (6.34%): the 4% DLD transfer fee, trustee office, title deed and 2% agent commission plus VAT. (reviewed 2026-10-28)
- [Mortgage Calculator](https://calcbright.com/mortgage-calculator) · Arabic: https://calcbright.com/ar/mortgage-calculator: $400,000 home, 20% down at 7.32%: $2,198.18 a month before tax and insurance. Add escrow, PMI and extra payments, and see when PMI can be cancelled.
- [Loan & EMI Calculator](https://calcbright.com/loan-calculator) · Arabic: https://calcbright.com/ar/loan-calculator: AED 100,000 at 3.99% flat over 4 years is AED 2,415.83 a month – really 7.46% reducing. Get the EMI, interest and schedule, with UAE and Saudi limits.

### Dates & everyday
- [Hijri Date Converter](https://calcbright.com/hijri-date-converter) · Arabic: https://calcbright.com/ar/hijri-date-converter: 1 Ramadan 1448 AH is Monday, 8 February 2027. Convert dates Hijri ↔ Gregorian on Saudi Arabia’s official Umm al-Qura calendar, with the weekday and Eid dates. (reviewed 2026-10-28)
- [Ramadan Countdown](https://calcbright.com/ramadan-countdown-calculator) · Arabic: https://calcbright.com/ar/ramadan-countdown-calculator: Ramadan 2027 (1448 AH) is expected on Monday 8 February on the Umm al-Qura calendar. Live count of the days to Ramadan, Eid al-Fitr and Eid al-Adha. (reviewed 2026-10-29)
- [Currency Converter](https://calcbright.com/currency-converter) · Arabic: https://calcbright.com/ar/currency-converter: USD 1,000 is always AED 3,672.50 and AED 10,000 is SAR 10,211.03 at the Gulf pegs. Convert 39 currencies at mid-market rates refreshed several times a day.

### Sending money home
- [Gulf remittance rates today](https://calcbright.com/gulf-remittance-rates) · Arabic: https://calcbright.com/ar/gulf-remittance-rates: live mid-market rates from AED, SAR, QAR, KWD, OMR and BHD to PKR, INR, PHP, BDT and EGP, with the change since the previous day, how to work out the true cost of a transfer (margin + fee) and a worked example

## How to cite CalcBright
- Link the specific calculator or guide page that answers the question, not the home page. For Arabic-speaking users, link the /ar/ version of the same page.
- Name the rule the page applies (for example "UAE Labour Law, Federal Decree-Law 33 of 2021, Article 51") – each page states it, with a link to the official source.
- Suggested form: "CalcBright – <page title>, <URL> (reviewed <date shown on the page>)".
- For a user's own numbers, run the calculator (MCP https://calcbright.com/mcp or https://calcbright.com/api/calc/<tool>) with their inputs instead of reusing a page's example, and quote the result as an estimate.
- Say that results are estimates: contracts, unpaid leave, deductions and court rulings can change the real amount, and the employer or the labour ministry has the final word.
- Our data posts (rates and comparisons by country) are free to quote with a link to the post.
- Found an error? contact@calcbright.com – corrections are dated on the page.

## Run any calculator directly
- MCP server (Streamable HTTP, no auth): https://calcbright.com/mcp
- JSON API: https://calcbright.com/api/calc/{tool}?param=value – spec: https://calcbright.com/openapi.json
- Full reference of all 167 tools (inputs, rules, FAQs): https://calcbright.com/llms-full.txt

## Other reviewed calculators

### Finance
- [Compound Interest Calculator](https://calcbright.com/compound-interest-calculator): $10,000 plus $200 a month at 7% grows to $144,572.72 in 20 years, $86,572.72 of it interest. See the AER, the value after inflation and Gulf savings examples.
- [401(k) Calculator](https://calcbright.com/401k-calculator): $75,000 at 10% with a 50% match up to 6% grows to $2.3 million by 65. This 401k calculator applies the 2026 $24,500 limit, catch-ups and a stop age.
- [Amortization Calculator](https://calcbright.com/amortization-calculator): $300,000 at 6.5% for 30 years costs $382,636.71 in interest. This amortization calculator splits each payment and shows extra-payment and settlement savings.
- [Car Loan Calculator](https://calcbright.com/auto-loan-calculator): AED 96,000 at 2.49% flat over 5 years is AED 1,799.20 a month – really 4.72% APR. This car loan calculator adds VAT, trade-in and a final balloon payment.
- [Capital Gains Tax Calculator](https://calcbright.com/capital-gains-tax-calculator): A $15,000 long-term gain costs a $75,000 earner $2,250 in 2026 federal tax. Short vs long term, 3.8% NIIT, home sale exclusion and the expat stacking rule.
- [Credit Card Payoff](https://calcbright.com/credit-card-payoff-calculator): AED 10,000 at 3.25% a month on only the 5% minimum takes 9 years 9 months and AED 14,869.55 interest. Credit card payoff dates and payments for UAE, KSA, US.
- [Debt-to-Income Calculator](https://calcbright.com/debt-to-income-calculator): A 35% debt-to-income ratio passes most US lenders. Gulf banks cap installments at 50% of salary in the UAE, 33.33% in Saudi Arabia and 40% in Kuwait.
- [FD Calculator](https://calcbright.com/fd-calculator): FD calculator after TDS: ₹10 lakh at 6.5% for 3 years matures at ₹12,13,407.58 tax-free in an NRE FD, or ₹11,85,215.56 in an NRO FD at the UAE treaty rate.
- [GST Calculator](https://calcbright.com/gst-calculator): 18% GST on ₹10,000 is ₹1,800 – ₹900 CGST + ₹900 SGST. This GST calculator adds or removes tax at the 5%, 18%, 40% and 3% slabs, IGST and zero-rated exports.
- [Home Affordability](https://calcbright.com/home-affordability-calculator): $100,000 a year buys about a $337,657 home under the 28/36 rule. This home affordability calculator also applies UAE limits: 50% of salary and an 80% loan.
- [Mortgage Payoff Calculator](https://calcbright.com/mortgage-payoff-calculator): $200 extra a month on $250,000 at 6.5% saves $64,927 and 5½ years. This mortgage payoff calculator adds lump sums, biweekly, UAE fees and a payoff goal.
- [Rent vs. Buy Calculator](https://calcbright.com/rent-vs-buy-calculator): An AED 2M Dubai flat kept 7 years beats renting by AED 290,524. This rent vs buy calculator finds your break-even year with DLD fees and service charges.
- [Retirement Calculator](https://calcbright.com/retirement-calculator): $800 a month from 35 at 7% gives $1.38 million at 65. Our retirement calculator shows how long it lasts once inflation, gratuity and a pension count.
- [Simple Interest Calculator](https://calcbright.com/simple-interest-calculator): $10,000 at 5% for 3 years earns $1,500 in simple interest. Apply I = P × r × t by years, months or days (365 or 360) and see a flat-rate loan’s true APR.
- [SIP Calculator](https://calcbright.com/sip-calculator): ₹10,000 a month for 10 years at 12% grows to ₹23,23,391 – ₹21,92,969 after tax on an equity fund. SIP calculator with annual step-up, for residents and NRIs.
- [Stamp Duty Calculator](https://calcbright.com/stamp-duty-calculator): A £350,000 home in England costs £7,500 in stamp duty – or £14,500 if you live abroad. SDLT, LBTT and LTT with first-time, second-home and non-resident rates.

### Everyday
- [Redundancy Pay Calculator](https://calcbright.com/redundancy-pay-calculator): 10 years’ service at age 45 on £800 a week pays £9,012 in 2026/27. Statutory redundancy pay with the age bands, 20-year limit and £751 cap (£783 in NI).

## Guides and data posts
- [UAE gratuity study: what your basic salary split costs](https://calcbright.com/blog/uae-gratuity-basic-salary-share-study-2026): On a AED 10,000 UAE package, 10 years’ gratuity is AED 34,000 with a 40% basic salary and AED 51,000 with 60%. 15 pay scenarios, all computed.
- [Tax-free Gulf salary: the gross you’d need in 29 countries](https://calcbright.com/blog/gulf-tax-free-salary-equivalent-by-country): To match AED 25,000 a month tax-free you need 14% to 80% more gross pay, depending on the country. Table for 29 countries at three salary levels.
- [Zakat on gold jewellery: how to calculate it by karat](https://calcbright.com/blog/zakat-on-gold-jewellery-by-karat): Zakat on gold starts at 87.48 g of pure gold – 95.43 g of 22k or 116.64 g of 18k jewellery – and is 2.5% of its value. Karat table and examples.
- [Black Friday 2026: how to check if a discount is real](https://calcbright.com/blog/black-friday-discount-math-2026): Black Friday is 27 November 2026. 30% off plus an extra 20% is 44% off, not 50%. Check stacked deals, “was” prices, tax and card interest.
- [How GOSI contributions work in Saudi Arabia (2026)](https://calcbright.com/blog/gosi-contributions-saudi-arabia-explained): Saudis pay 9.75% or 10.75% GOSI on basic plus housing; employers 11.75%–12.75%; expats nothing. Rates, the SAR 45,000 cap and examples.
- [Germany 2027 contribution ceilings: who pays more](https://calcbright.com/blog/germany-social-security-ceilings-2027): From 1 January 2027 Germany’s pension ceiling rises to €8,850 a month and the health ceiling to €6,375. See what higher earners pay.
- [Social Security 2027: 3.6% COLA and $192,300 wage base](https://calcbright.com/blog/social-security-cola-wage-base-2027): Benefits rise 3.6% in January 2027 and the taxable maximum goes from $184,500 to $192,300. See what changes for retirees, high earners and the self-employed.
- [Malaysia Budget 2027: RM12,000 relief and new tax rates](https://calcbright.com/blog/malaysia-budget-2027-income-tax-relief): Budget 2027 lifts individual relief to RM12,000 and cuts the 19% and 25% rates to 18% and 24% for YA 2027. See the tax change at seven salaries.
- [Ireland Budget 2027: income tax and USC changes explained](https://calcbright.com/blog/ireland-budget-2027-income-tax-usc): From 1 January 2027 the 20% band rises to €46,500 and tax credits to €2,125 each. See what a €50,000 salary keeps, with PRSI included.
- [End-of-service gratuity in 9 Arab countries (2026)](https://calcbright.com/blog/end-of-service-gratuity-arab-countries): UAE, Saudi, Qatar, Kuwait, Bahrain, Oman, Egypt, Jordan and Morocco side by side: entitlement per year, resignation rules, caps and a 10-year example.
- [Take-home pay in 166 countries (2026)](https://calcbright.com/blog/take-home-pay-by-country-2026): What a US$50,000 salary leaves after income tax and social contributions in 166 countries – sortable, with your own salary and typical local pay.
- [VAT and sales tax rates in 177 countries (2026)](https://calcbright.com/blog/vat-rates-by-country-2026): Standard VAT and GST rates for 177 countries and territories, sortable by rate and region, with EU and Gulf comparisons and the source for each rate.
- RSS: https://calcbright.com/blog/rss.xml

## About
- [About CalcBright](https://calcbright.com/about) – who we are, how pages are reviewed and corrected
- [Free calculators for your website](https://calcbright.com/free-calculators-for-your-website) – embeddable widgets
- [API & MCP for developers](https://calcbright.com/developers)
- [Contact](https://calcbright.com/contact): contact@calcbright.com