Fourteen small tools for the arithmetic people do most often: net worth, loans, gratuity, savings and debt. They run entirely in your browser: nothing you type is sent anywhere, saved, or logged. Reload the page and it is gone.
Net worth
4% of what you own is financed by debt
Add up what you own, subtract what you owe, and see the one figure that tracks your progress. Updates as you type.
Open calculatorMonthly instalment, total interest and a full amortisation schedule on a reducing-balance basis, month by month or year by year.
Open calculatorSplit a bill evenly or by shares, with tip and tax, using the same largest-remainder rounding the app uses, so shares always sum exactly.
Open calculatorEstimate end-of-service gratuity under UAE Federal Decree-Law No. 33, including the two-year cap and the basic-salary-only rule.
Open calculatorAdd up assets and debts held in two countries and two currencies, and see one honest total in AED or your home currency.
Open calculatorSee what share of your take-home pay you actually keep each month, the number that matters more than income alone.
Open calculatorWork out how many years of saving and investing stand between you and financial independence, at your own numbers.
Open calculatorSet a target based on your monthly essentials, see the gap to your current savings, and how long it takes to close.
Open calculatorCheck your monthly obligations against gross income and the UAE Central Bank's 50% debt burden ceiling.
Open calculatorFind out how many months a balance takes to clear at your payment, or the payment needed to hit a target date.
Open calculatorSee how many months your current savings cover essential expenses if income stopped today.
Open calculatorGet a clear verdict on a purchase, paid in cash or financed, measured against your income and existing obligations.
Open calculatorA full year-by-year simulation of buying against renting and investing the difference, including fees, upkeep and appreciation.
Open calculatorWork out the monthly amount a savings goal needs, given your timeline, starting balance and expected return.
Open calculatorFinancial calculators are a common way to collect data. These do not. There is no form submission, no analytics event carrying your figures, no request to any server when you type, and no browser storage: close the tab and every number is gone.
You can check this yourself: open your browser's developer tools, switch to the Network tab, and use any of the calculators. Nothing leaves the page.
The same principle runs through the app itself: bank message parsing and receipt text recognition both happen on your own device rather than on a server. See Privacy & Security.
What these tools do not do
This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or logged; reload the page and it is gone. It is provided for general information only and is not financial, tax or investment advice. Results are estimates: real lenders apply fees, rounding and day-count conventions that vary by product and country. Always check figures against your own statements or your lender before acting on them.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.