# Caltrix UAE

> 32+ UAE-specific calculators and money tools — VAT, corporate tax, loans, real estate, salary, gratuity, investments, and business decisions. Built for residents, freelancers, and businesses making smart financial decisions in the UAE.

Caltrix UAE combines a calculator suite (loan EMI, gratuity, VAT, corporate tax, RERA rent caps, property ROI, currency, gold, savings, SIP, FD, Zakat and more) with a personal Finance Suite (transactions, accounts, budgets, goals, recurring bills, shared "Money Circle" goals with friends) and lightweight decision flows (buy vs rent, loan eligibility, affordability).

## Pages

- [Home](/): Overview of all calculators and tools.
- [All tools](/tools): Browse the full calculator catalog.
- [Decision flows](/decisions): Guided buy-vs-rent, loan, and affordability decisions.
- [Money & Finance Suite](/money): Personal finance dashboard.
- [Finance Suite](/finance): Transactions, budgets, goals, recurring bills.
- [Reminders](/reminders): Bill and renewal reminders.
- [Translator](/translator): English ↔ Arabic translator.
- [UAE government apps](/gov-apps): Quick links to official UAE services.

## Hubs

- [Finance hub](/hub/finance): Loans, savings, investments, currency.
- [Tax hub](/hub/tax): VAT, corporate tax, free-zone, Zakat.
- [Business hub](/hub/business): Invoice discounting, IPO, freezone setup.
- [Documents hub](/hub/documents): Document expiry, renewal tracking.

## Top calculators

- [VAT](/calc/vat): UAE 5% VAT add/remove.
- [Corporate tax](/calc/corptax): 0% / 9% federal corporate tax with SBR + QFZP.
- [Loan EMI](/calc/loan): Reducing- and flat-rate EMI with early settlement (CBUAE 1% capped at AED 10k).
- [Gratuity](/calc/gratuity): MoHRE end-of-service gratuity (Art. 51).
- [Final settlement](/calc/finalsettlement): Gratuity + leave + notice + last month.
- [RERA rent cap](/calc/rera): Decree 43/2013 0/5/10/15/20% caps.
- [Property ROI](/calc/propertyroi): Gross/net yield + cash-on-cash return.
- [Currency](/calc/currency): Live AED currency conversion.
- [Gold](/calc/gold): Live gold price calculator.
- [Zakat](/calc/zakat): 2.5% on wealth above the Nisab threshold.

## Optional

- [Privacy policy](/privacy-policy)
- [Disclaimer](/disclaimer)
- [Terms](/terms)