12 questions, 3 minutes, and a scored report on your money across five pillars, with a UAE-specific action plan. Free, no sign-up, and nothing you enter leaves your browser.
What comes in, what goes out, and how much the roof takes.
Q1Monthly take-home income
Salary after any deductions, plus regular side income. AED per month.
Q2Total monthly spending, everything included
Rent, food, school, remittances, subscriptions: the honest total. AED per month.
Q3Of that, housing: rent or mortgage per month
Annual rent ÷ 12 if you pay in cheques. Enter 0 if housing is covered by your employer.
What stands between you and a bad month.
Q4If your income stopped today, how many months could you cover?
Count cash and savings you could actually reach, not investments you would hate to sell.
Q5Health cover for you and your dependants beyond the mandatory basic plan?
How much of your income is already spoken for.
Q6Total monthly debt payments (loans, car finance, card minimums)
Everything you must pay lenders each month. Enter 0 if you are debt-free.
Q7How do you use credit cards?
Whether tomorrow is being funded, or just hoped for.
Q8How much of your income do you invest each month (UAE or back home)?
Q9Your retirement plan beyond end-of-service gratuity?
The paperwork that protects everything else.
Q10A registered will or estate plan covering your UAE assets and guardianship?
Q11Checked your AECB credit report in the last 12 months?
Q12Do you know your net worth, roughly?
Most financial trouble in the UAE follows the same script: thin cash flow, no runway, expensive debt, an unfunded future, missing paperwork. The score weights each pillar by how often it is the thing that breaks first.
Your savings rate against a 20% target, and how much of your income the rent cheque swallows. Under 30% on housing is the guideline.
Months of runway if income stops, plus health cover beyond the mandatory basic plan. Visas here are tied to jobs; the cushion matters more.
Your debt burden ratio against CBUAE's 50% cap, and how you use credit cards, where UAE rates can run past 40% a year.
What you invest monthly and whether a real retirement plan exists. There is no state pension for most residents; gratuity is a bonus, not a pension.
A registered will covering UAE assets and guardianship, a checked AECB report, and knowing your net worth. Boring, and decisive.
Educational tool only, not financial, legal or tax advice. The score is a directional self-assessment built on common planning guidelines (a 20% savings-rate target, a 30% housing guideline, CBUAE's 50% debt burden cap under its lending regulations) as of July 2026; your situation may warrant different targets. Everything is computed locally in your browser: no answers are stored or transmitted.
Build your monthly budget from real UAE categories and see exactly where every dirham goes.
Measure the distance between the retirement you want and what gratuity plus savings will actually fund.
What happens to UAE assets and guardianship without a will, and the steps to register one.