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