TOOLS

Calculators that show their working.

Free, fast, and computed entirely in your browser — the numbers Gulf finance teams reach for weekly, each with the rule behind it spelled out.

IFRS 9 ECL provision calculator

A provision-matrix calculator for trade receivables: your ageing balances, your loss rates, and a forward-looking scenario slider — watch the provision reprice as you drag.

FREE
UAE gratuity (EOSB) calculator

End-of-service gratuity under the 21/30-day rule: basic wage, years of service, the two-year cap — with the working shown.

FREE
VAT calculator — UAE 5% & KSA 15%

Add VAT to a net amount or extract it from a gross one, at the UAE or KSA rate.

FREE
UAE Corporate Tax estimator

0% to AED 375,000, 9% above — with the Small Business Relief election handled.

FREE
IFRS 16 lease liability & ROU asset calculator

Compute the day-1 lease liability and right-of-use asset, then generate the full amortisation schedule — interest unwinding and straight-line depreciation, period by period.

FREE
IAS 19 actuarial EOSB valuation

A simplified projected unit credit estimate for UAE end-of-service benefits: discount rate, salary escalation, attrition — the inputs an actuary uses, in your browser.

FREE
IAS 36 impairment test — value-in-use DCF

Five-year cash-flow projection, WACC discount, terminal value — determine whether a CGU is impaired and by how much.

FREE
IAS 12 deferred tax schedule

Add your balance-sheet items, their carrying amounts and tax bases — get the temporary differences and the resulting DTL/DTA positions at any tax rate.

FREE
IFRS 9 effective interest rate (EIR) calculator

Solve for the EIR on a financial instrument with origination fees or a premium/discount, and produce the full amortised-cost schedule.

FREE
KSA Zakat estimator (ZATCA)

Build the zakat base the way ZATCA does — equity, provisions and long-term borrowing in, fixed assets and long-term investments out, floored at the year's adjusted profit — at the Hijri 2.5% or Gregorian 2.5777% rate, with mixed Saudi/GCC ownership handled.

FREE
Free zone de minimis calculator (QFZP)

Test your non-qualifying revenue against the lower of AED 5m and 5% of total revenue — with the headroom shown, because breaching it costs the 0% rate for five years.

FREE
Small Business Relief eligibility checker

The AED 3m revenue test, the prior-period condition, the QFZP and MNE exclusions — a yes/no on the election, with the 9% it would save.

FREE
UAE VAT penalty estimator

What a late return and late payment actually cost: the fixed filing penalties plus 2% immediately and 4% monthly on unpaid tax, capped at 300% — computed from days late.

FREE
Loyalty points deferred revenue calculator (IFRS 15)

Split a sale between today's revenue and the points liability using breakage-weighted standalone value, then watch the release as redemptions come in.

FREE
KSA withholding tax (WHT) calculator

Domestic WHT on payments to non-residents by category — management fees 20%, royalties 15%, most others 5% — with net-of-tax gross-up handled.

FREE
UAE Corporate Tax penalty calculator

Late registration, monthly filing penalties (AED 500 rising to 1,000) and 14% p.a. on unpaid tax — enter months late and see the full exposure.

FREE
UAE VAT registration checker

The AED 375,000 mandatory and AED 187,500 voluntary thresholds, tested the way the FTA tests them — rolling 12 months plus the next-30-days rule.

FREE
VAT bad-debt relief calculator (Article 64)

Check the four conditions, count the six months, and get the exact 5/105 output-tax adjustment on the written-off amount.

FREE
Designated zone VAT checker

Pick what's being supplied and where it's going — get the treatment: outside the scope, standard 5%, or import VAT on entry to the mainland.

FREE
E-commerce VAT checker (UAE)

Goods or electronic services, domestic or abroad, evidence or not — the rate, the VAT and the total per order, with the zero-rating documentation rule enforced.

FREE
UAE employee cost calculator

What a hire really costs per month: gross salary plus the monthly EOSB provision on basic wage — or pension contributions for nationals — with the annual total.

FREE
Participation exemption checker (UAE CT)

Ownership, holding period and subject-to-tax — the three tests that decide whether a dividend or exit gain is exempt, with the 9% at stake shown.

FREE
Reverse charge VAT calculator (UAE)

Imported services and goods: the output VAT to account, the input VAT you recover, and the net cash effect at your actual recovery rate.

FREE
UAE audit requirement checker

The AED 50m Corporate Tax test, the QFZP condition, and the company-law and free-zone rules that stack on top — a straight answer on whether you need audited statements.

FREE
Tax loss carry-forward calculator (UAE CT)

Brought-forward losses against this year's income with the 75% offset cap applied — losses used, tax payable, and what carries onward.

FREE
Partial exemption calculator (input VAT apportionment)

The three pots — taxable, exempt, residual — with the standard-method recovery ratio computed and the VAT you actually lose shown.

FREE
UAE real estate VAT checker

New residential, later residential, commercial, bare land, serviced apartments — the treatment, the VAT, and whether your input VAT survives.

FREE
VAT voluntary disclosure penalty calculator

The Form 211 cost by year: the fixed penalty plus the 5%-to-40% ladder on the tax difference — and what waiting one more year adds.

FREE
Interest deduction cap calculator (30% EBITDA)

Net interest against the greater of 30% of adjusted EBITDA and the AED 12m safe harbour — deductible now, disallowed and carried, and which prong binds.

FREE
Founding cohort

Close the month in days. Take your evenings back.

76 of 100 founding seats are taken. Doors open 28 October, with founder pricing locked in for as long as you stay. Work email only; a real person reads every entry.