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Free tools

Tools

Small, honest calculators for the questions people actually have about debt in the UAE. Each one runs in your browser; nothing you type is sent anywhere.

Every tool here runs in your browser. Nothing you type is sent anywhere, there is no email gate, and there are no offers at the end — we are not a lender or a broker, so the result is a plan, never a product.

They exist because the first honest question about debt is arithmetic: how long, how much, in what order. Answer it here with rough numbers; the app does the same with your real debts and keeps the plan updated as you pay.

Debt payoff calculator

Up to ten debts, three ways to pay them, the month you finish, and how much sooner that is than minimums only. With a month-by-month table you can screenshot.

Open the calculator

Debt burden ratio calculator

The number a bank works out before it lends, and never shows you: what you owe each month against what comes in, with the ceiling marked.

Work out your ratio →

Settlement offer calculator

What your lump sum looks like from the bank's side, what it writes off, and the offer letter with the checklist that makes paying it final.

Work out an offer →

Debt consolidation calculator

Coming

Total cost now against total cost after, with the honest flag when a lower monthly payment costs more overall.

BNPL stack calculator

Coming

Every Tabby, Tamara and Postpay instalment in one place, so you can see what leaves your account each month.