llms.txt
+84 −200
https://calcbright.com/llms.txt
− > CalcBright (calcbright.com) offers free, accurate online calculators and converters. Every page explains its formula, shows a worked example, and gives instant results with no sign-up. Results are informational estimates, not financial, tax or medical advice.− AI assistants can run any calculator directly:− - Full details of every tool: https://calcbright.com/llms-full.txt− ## Finance− - [Mortgage Calculator](https://calcbright.com/mortgage-calculator): A $320,000 loan at 6.5% over 30 years is about $2,023 a month before escrow. Add property tax, insurance, PMI and HOA, and see the full amortization schedule.− - [Loan & EMI Calculator](https://calcbright.com/loan-calculator): Borrow 25,000 at 7.5% for 5 years and the EMI is about 501 a month. Get the installment, total interest and a month-by-month schedule for any fixed-rate loan.− - [Compound Interest Calculator](https://calcbright.com/compound-interest-calculator): $10,000 at 7% compounded monthly grows to about $40,387 in 20 years. Add monthly contributions and compare daily, monthly or yearly compounding, year by year.− - [Salary Converter](https://calcbright.com/salary-calculator): $25 an hour is $52,000 a year at 40 hours a week. Convert pay between hourly, daily, weekly, bi-weekly, monthly and annual, with an optional after-tax estimate.− - [401(k) Calculator](https://calcbright.com/401k-calculator): A 401k calculator with the 2026 $24,500 limit and catch-ups built in: project your balance at retirement from your match, raises and returns, year by year.− - [Amortization Calculator](https://calcbright.com/amortization-calculator): This amortization calculator splits every payment into principal and interest, shows your payoff date and what extra payments save, and exports to CSV.− - [Annuity Calculator](https://calcbright.com/annuity-calculator): An annuity calculator for fixed-term income: what a lump sum pays monthly over 10–30 years, or the pot needed for a target payment, level or rising yearly.− - [APR Calculator](https://calcbright.com/apr-calculator): A 7% loan with a $1,000 fee really costs 9.17%. This APR calculator folds origination fees and points into the true rate, payment and full cost of borrowing.− - [Auto Loan Calculator](https://calcbright.com/auto-loan-calculator): An auto loan calculator that counts sales tax, down payment and trade-in the way most US states do, then shows the car payment, interest and full schedule.− - [Break-Even Calculator](https://calcbright.com/break-even-calculator): How many units must you sell before you make a profit? Enter fixed costs, price and variable cost to get break-even units, revenue and contribution margin.− - [Budget Calculator](https://calcbright.com/budget-calculator): Budget your take-home pay with the 50/30/20 rule – needs, wants and savings in monthly amounts – or set your own split, such as 60/20/20 for high-rent cities.− - [CAGR Calculator](https://calcbright.com/cagr-calculator): A CAGR calculator for the steady yearly rate between two values: $10,000 to $20,000 in 5 years is 14.87% a year. Use it for investments, revenue or users.− - [Canadian Mortgage Calculator](https://calcbright.com/canadian-mortgage-calculator): Canadian mortgage payments with semi-annual compounding, CMHC premiums, the minimum down payment and accelerated bi-weekly or weekly options.− - [Capital Gains Tax Calculator](https://calcbright.com/capital-gains-tax-calculator): 2026 US federal tax on a stock, crypto or property sale: long-term 0%, 15% or 20% versus short-term ordinary rates, plus the 3.8% NIIT where it applies.− - [Car Lease Calculator](https://calcbright.com/car-lease-calculator): Car lease payment from price, MSRP, residual, money factor or APR, term and sales tax – split into depreciation, finance charge and tax to check a dealer quote.− - [CD Calculator](https://calcbright.com/cd-calculator): A CD calculator for interest earned by maturity, with APY to APR conversion for any compounding – the same maths for Canadian GICs, UK bonds and GCC deposits.− - [Commission Calculator](https://calcbright.com/commission-calculator): Sales commission from the sale amount and rate, plus base salary for total pay – and a table comparing earnings at other rates. Works tier by tier too.− - [Credit Card Payoff](https://calcbright.com/credit-card-payoff-calculator): Credit card payoff calculator: $5,000 at 22% APR, paying $200 a month, takes 34 months and $1,749.90 of interest. See your date, or the payment you need.− - [Debt Payoff Calculator](https://calcbright.com/debt-payoff-calculator): A debt payoff calculator that runs the snowball and avalanche across all your debts: debt-free date, total interest and the order each balance is cleared.− - [Debt-to-Income Calculator](https://calcbright.com/debt-to-income-calculator): A debt to income ratio calculator that adds your monthly debts, finds your DTI and 28% housing ratio, and checks them against the 36% and 43% lender limits.− - [Depreciation Calculator](https://calcbright.com/depreciation-calculator): Depreciation calculator: yearly schedules and book value for straight-line, double-declining balance, sum-of-the-years’ digits and units of production.− - [Discount Calculator](https://calcbright.com/discount-calculator): Sale price and savings for any percent off, plus the true total when discounts stack: 25% off and then an extra 10% off is 32.5% in total, not 35%.− - [Dividend Yield Calculator](https://calcbright.com/dividend-yield-calculator): A $50 stock paying $0.50 a quarter yields 4%. Get the dividend yield for monthly, quarterly or annual payers, plus the cash income your shares produce.− - [DLD Fee Calculator](https://calcbright.com/dld-fee-calculator): Budget 6–7% on top of a Dubai property price. Itemises the 4% DLD fee, title deed, trustee office, mortgage registration and 2% agent commission plus VAT.− - [Down Payment Calculator](https://calcbright.com/down-payment-calculator): Down payment, loan amount and LTV for any home price, with 3%, 5%, 10% and 20% down side by side – and a flag for when PMI applies below 20% equity.− - [Dubai Mortgage Calculator](https://calcbright.com/dubai-mortgage-calculator): Expats need 20% down on a first Dubai home under AED 5M. This Dubai mortgage calculator applies the CBUAE LTV caps, then adds DLD, agent and bank fees.− - [Egypt End of Service Calculator](https://calcbright.com/egypt-end-of-service-calculator): Egypt’s 2025 Labour Law: at least 2 months’ wage per year for an unjustified dismissal, plus 3 months’ notice pay. See what your employer and NOSI owe you.− - [Egypt Social Insurance Calculator](https://calcbright.com/egypt-social-insurance-calculator): Egyptian employees pay 11% social insurance and employers 18.75%, on an insurable wage between EGP 2,700 and EGP 16,700 in 2026. Split by branch.− - [FD Calculator](https://calcbright.com/fd-calculator): FD calculator using the quarterly compounding Indian banks apply to cumulative deposits: ₹1 lakh at 7% for 5 years grows to ₹1,41,477.82 at maturity.− - [FHA Loan Calculator](https://calcbright.com/fha-loan-calculator): FHA payments at 3.5% down include a 1.75% upfront MIP plus 0.50–0.55% a year. See the full monthly cost with tax and insurance beside a conventional loan.− - [Future Value Calculator](https://calcbright.com/future-value-calculator): How much will $10,000 plus $200 a month be worth in 10 years? This future value calculator answers that – or solves backwards for the present value of a target.− - [GCC Gratuity Calculator](https://calcbright.com/gcc-gratuity-calculator): Qatar pays 3 weeks a year, Kuwait cuts it if you resign early, Bahrain and Oman changed rules in 2023–24. End-of-service gratuity for expats in all four.− - [GOSI Calculator](https://calcbright.com/gosi-calculator): Saudis on the old system pay 9.75% GOSI and employers 11.75%; expats pay nothing. Covers the rising 2024-law pension rate and the SAR 45,000 wage cap.− - [GST Calculator](https://calcbright.com/gst-calculator): Add or remove GST at the slabs in force since September 2025 (5%, 18%, 40%) or legacy 12% and 28%, split as CGST + SGST locally or IGST inter-state.− - [HELOC Calculator](https://calcbright.com/heloc-calculator): Your HELOC limit is home value × CLTV minus the mortgage. See that limit, the interest-only draw payment and the jump when the repayment period begins.− - [Home Affordability](https://calcbright.com/home-affordability-calculator): On $100,000 a year the 28/36 rule caps housing at $2,333 a month. This home affordability calculator turns that cap, your debts and down payment into a price.+ > CalcBright (calcbright.com) is a free calculator site for employees and expats in the Gulf (UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman) and the wider Arab world, in English and Arabic. It answers money questions under each country's own rules – end-of-service gratuity under the labour law, GOSI and social insurance, take-home pay in 166 countries, VAT, zakat, overtime, Dubai property costs – and shows the rule it applies, the official source, a worked example and when the page was last re+ ## Best pages for Gulf & expat money questions+ ### End of service & gratuity (Gulf and Arab labour laws)+ - [UAE Gratuity Calculator](https://calcbright.com/uae-gratuity-calculator) · Arabic: https://calcbright.com/ar/uae-gratuity-calculator: AED 10,000 basic for 7 years earns AED 55,000 in gratuity. Check your UAE end-of-service benefit: 21 days’ pay a year for 5 years, then 30, under the 2021 law. (reviewed 2026-10-25)+ - [Saudi End of Service Calculator](https://calcbright.com/saudi-end-of-service-calculator) · Arabic: https://calcbright.com/ar/saudi-end-of-service-calculator: SAR 12,000 a month for 7 years earns SAR 54,000 – or SAR 36,000 if you resign. Saudi end-of-service award under Labour Law Articles 84–85, part-years included. (reviewed 2026-10-26)+ - [GCC Gratuity Calculator](https://calcbright.com/gcc-gratuity-calculator) · Arabic: https://calcbright.com/ar/gcc-gratuity-calculator: QAR 10,000 basic for 7 years earns QAR 49,000 in Qatar. End-of-service gratuity for Qatar, Kuwait, Bahrain and Oman, each under its own Labour Law article. (reviewed 2026-10-26)+ - [Egypt End of Service Calculator](https://calcbright.com/egypt-end-of-service-calculator) · Arabic: https://calcbright.com/ar/egypt-end-of-service-calculator: EGP 15,000 a month for 7 years: at least EGP 210,000 for an unjustified dismissal, plus EGP 45,000 if you got no notice – Egypt’s 2025 Labour Law. (reviewed 2026-10-26)+ - [Jordan End of Service Calculator](https://calcbright.com/jordan-end-of-service-calculator) · Arabic: https://calcbright.com/ar/jordan-end-of-service-calculator: JOD 600 a month for 7 years outside social security earns a JOD 4,200 end-of-service bonus in Jordan (Labour Law Art. 32) – even if you resign. (reviewed 2026-10-26)+ - [Morocco Severance Pay Calculator](https://calcbright.com/morocco-severance-calculator) · Arabic: https://calcbright.com/ar/morocco-severance-calculator: MAD 8,000 a month for 10 years earns MAD 50,261.78 severance in Morocco (Labour Code Art. 53) – plus notice pay, and court damages if the dismissal is abusive. (reviewed 2026-10-26)+ ### Social insurance & pensions+ - [GOSI Calculator](https://calcbright.com/gosi-calculator) · Arabic: https://calcbright.com/ar/gosi-calculator: SAR 12,500 basic + housing costs a Saudi SAR 1,218.75 a month in GOSI (9.75%). See the July 2026 new-entrant rate, the 2% for expats and the SAR 45,000 cap. (reviewed 2026-10-27)+ - [Egypt Social Insurance Calculator](https://calcbright.com/egypt-social-insurance-calculator) · Arabic: https://calcbright.com/ar/egypt-social-insurance-calculator: On an EGP 10,000 insurable wage you pay EGP 1,100 a month (11%) and your employer EGP 1,875 (18.75%). 2026 limits: EGP 2,700 to 16,700 under Law 148. (reviewed 2026-10-27)+ - [Jordan Social Security Calculator](https://calcbright.com/jordan-social-security-calculator) · Arabic: https://calcbright.com/ar/jordan-social-security-calculator: 7.5% from you, 14.25% from your employer: a JOD 800 wage costs JOD 60 + JOD 114 a month. 2026 SSC ceiling: JOD 3,733 (JOD 5,000 if covered before May 2010). (reviewed 2026-10-27)+ ### Salary, overtime & take-home pay+ - [Take-Home Pay Calculator](https://calcbright.com/take-home-pay-calculator) · Arabic: https://calcbright.com/ar/take-home-pay-calculator: $75,000 in Texas leaves $61,592.50 after 2026 federal tax and FICA; £50,000 in England £39,519.60. Net pay in 166 countries, the Gulf included, line by line. (reviewed 2026-10-29)+ - [Tax-Free Salary Equivalent](https://calcbright.com/tax-free-salary-equivalent-calculator) · Arabic: https://calcbright.com/ar/tax-free-salary-equivalent-calculator: AED 25,000 a month tax-free needs $103,565 gross in Texas or $111,183 in Illinois. See the pay that matches a Gulf salary in the US, UK or Canada. (reviewed 2026-10-29)+ - [Salary Converter](https://calcbright.com/salary-calculator) · Arabic: https://calcbright.com/ar/salary-calculator: $25 an hour is $52,000 a year; AED 6,000 a month is AED 200 a day under Gulf labour rules. Convert pay between hourly, daily, weekly, monthly and annual.+ - [Overtime Calculator](https://calcbright.com/overtime-calculator) · Arabic: https://calcbright.com/ar/overtime-calculator: Saudi overtime on SAR 6,000 basic plus SAR 3,000 allowances is SAR 50 an hour, not SAR 37.50. Get UAE, Saudi and US overtime pay from your real salary. (reviewed 2026-10-28)+ - [Pay Raise Calculator](https://calcbright.com/pay-raise-calculator) · Arabic: https://calcbright.com/ar/pay-raise-calculator: A 5% pay raise on $60,000 is $63,000 – only 1.25% more after 3.7% US inflation. See a raise per year, month and hour, what it is worth net and in the Gulf. (reviewed 2026-10-30)+ - [Income Tax Calculator](https://calcbright.com/income-tax-calculator) · Arabic: https://calcbright.com/ar/income-tax-calculator: $100,000 single owes $13,170 in 2026 federal tax – 13.17%, not 22%. IRS brackets, $16,100 standard deduction, $2,200 child credit and the 65+ deductions. (reviewed 2026-10-29)+ ### Tax, VAT & zakat+ - [UAE Corporate Tax Calculator](https://calcbright.com/uae-corporate-tax-calculator) · Arabic: https://calcbright.com/ar/uae-corporate-tax-calculator: AED 1 million of taxable income owes AED 56,250 in UAE corporate tax (5.63%). Covers the 0%/9% bands, Small Business Relief to 2029 and free zone 0%. (reviewed 2026-10-27)+ - [VAT Calculator](https://calcbright.com/vat-calculator) · Arabic: https://calcbright.com/ar/vat-calculator: £120 with 20% VAT is £100 net: divide by 1.2, never take 20% off. Add or remove VAT at UK 20%, UAE 5%, Saudi 15% or any rate in 177 countries. (reviewed 2026-10-27)+ - [Zakat Calculator](https://calcbright.com/zakat-calculator) · Arabic: https://calcbright.com/ar/zakat-calculator: AED 63,000 of savings, gold and shares owes AED 1,575 in zakat. Check today’s gold or silver nisab live in your currency, with 85 g or 87.48 g weights. (reviewed 2026-10-28)+ ### Property & loans+ - [Dubai Mortgage Calculator](https://calcbright.com/dubai-mortgage-calculator) · Arabic: https://calcbright.com/ar/dubai-mortgage-calculator: AED 1.6M over 25 years at 4.25% is AED 8,667.81 a month. Get your Dubai mortgage EMI, the Central Bank’s minimum down payment and the full cash needed. (reviewed 2026-10-28)+ - [DLD Fee Calculator](https://calcbright.com/dld-fee-calculator) · Arabic: https://calcbright.com/ar/dld-fee-calculator: A AED 2M Dubai home bought for cash costs AED 126,780 in fees (6.34%): the 4% DLD transfer fee, trustee office, title deed and 2% agent commission plus VAT. (reviewed 2026-10-28)+ - [Mortgage Calculator](https://calcbright.com/mortgage-calculator) · Arabic: https://calcbright.com/ar/mortgage-calculator: $400,000 home, 20% down at 7.32%: $2,198.18 a month before tax and insurance. Add escrow, PMI and extra payments, and see when PMI can be cancelled.+ - [Loan & EMI Calculator](https://calcbright.com/loan-calculator) · Arabic: https://calcbright.com/ar/loan-calculator: AED 100,000 at 3.99% flat over 4 years is AED 2,415.83 a month – really 7.46% reducing. Get the EMI, interest and schedule, with UAE and Saudi limits.+ ### Dates & everyday+ - [Hijri Date Converter](https://calcbright.com/hijri-date-converter) · Arabic: https://calcbright.com/ar/hijri-date-converter: 1 Ramadan 1448 AH is Monday, 8 February 2027. Convert dates Hijri ↔ Gregorian on Saudi Arabia’s official Umm al-Qura calendar, with the weekday and Eid dates. (reviewed 2026-10-28)+ - [Ramadan Countdown](https://calcbright.com/ramadan-countdown-calculator) · Arabic: https://calcbright.com/ar/ramadan-countdown-calculator: Ramadan 2027 (1448 AH) is expected on Monday 8 February on the Umm al-Qura calendar. Live count of the days to Ramadan, Eid al-Fitr and Eid al-Adha. (reviewed 2026-10-29)+ - [Currency Converter](https://calcbright.com/currency-converter) · Arabic: https://calcbright.com/ar/currency-converter: USD 1,000 is always AED 3,672.50 and AED 10,000 is SAR 10,211.03 at the Gulf pegs. Convert 39 currencies at mid-market rates refreshed several times a day.+ ### Sending money home+ - [Gulf remittance rates today](https://calcbright.com/gulf-remittance-rates) · Arabic: https://calcbright.com/ar/gulf-remittance-rates: live mid-market rates from AED, SAR, QAR, KWD, OMR and BHD to PKR, INR, PHP, BDT and EGP, with the change since the previous day, how to work out the true cost of a transfer (margin + fee) and a worked example+ ## How to cite CalcBright+ - Link the specific calculator or guide page that answers the question, not the home page. For Arabic-speaking users, link the /ar/ version of the same page.+ - Name the rule the page applies (for example "UAE Labour Law, Federal Decree-Law 33 of 2021, Article 51") – each page states it, with a link to the official source.+ - Suggested form: "CalcBright – <page title>, <URL> (reviewed <date shown on the page>)".+ - For a user's own numbers, run the calculator (MCP https://calcbright.com/mcp or https://calcbright.com/api/calc/<tool>) with their inputs instead of reusing a page's example, and quote the result as an estimate.
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