Home › Free tools › UAE salary budget calculator · العربية
UAE salary budget calculator (AED)
Enter your monthly salary and your main costs in dirhams. See each one as a percentage of your pay and compare your split with the common 50/30/20 rule of thumb.
General rules of thumb for information only. This is not financial advice, and no rule of thumb fits everyone.
Your monthly budget
Share of your salary
Compared with the 50/30/20 rule of thumb
| Group | Rule of thumb | Your entries |
|---|---|---|
| Needs: rent, transport, groceries | - | - |
| Everything else, including money sent home | - | - |
| Savings | - | - |
The 50/30/20 rule is a general rule of thumb, not a requirement and not advice. Here "needs" is the sum of rent, transport and groceries; money sent home falls under "everything else" because it is a personal choice that does not fit neatly in one group.
Want this automatically from your real bank statement?
Try the Bank Statement Categorizer freeFree: one file at a time, latest 3 months. CSV for most banks; PDF only for ADIB statements. Your file stays in your browser.
How to use it
Type your monthly salary, then the amount you spend or plan to spend on rent, transport, groceries, money sent home and savings. All amounts are per month in UAE dirhams (AED). The page recalculates as you type; there is nothing to submit.
Use the figure you actually budget with. Many people use take-home pay, the amount that reaches their account, because it gives a more realistic picture than a gross package that includes allowances.
What the numbers mean
Each percentage is the item divided by your salary, times 100. "Left over" is your salary minus everything you listed. If it turns red and says "Over by", you have listed more than you earn, so at least one figure needs to come down or your income is higher than you entered.
The bars use a 0 to 100 percent scale, so a long bar means a large share of your pay. A figure that is a surprise, such as rent or money sent home taking more than you expected, is the useful result.
The 50/30/20 rule of thumb
The 50/30/20 rule is a widely used budgeting rule of thumb: about 50 percent of pay for needs, 30 percent for wants and 20 percent for savings. It is a starting point for a conversation with yourself, not a standard set by any bank or authority.
In this calculator, needs are rent, transport and groceries; savings are what you enter under savings; everything else, including money sent home, is grouped together. If you support family abroad, your own split may look quite different, and that can be a reasonable choice. The table shows the gap in dirhams so you can decide what, if anything, to change.
Why your real statement beats estimates
A calculator works from what you remember. Your bank statement shows what actually left your account. Many people find the largest surprises in small, frequent purchases. See how to build a monthly budget in AED from your bank statement and how to total the money you send home.
Privacy
The calculation and the CSV file are produced inside this page. Nothing you type is sent to a server, saved, or tracked.
Sources
No law or official source is involved here. The 50/30/20 split is a general rule of thumb used in personal budgeting.
Frequently asked questions
Is this financial advice?
No. It shows your own numbers as percentages and compares them with a general rule of thumb. It does not know your debts, family situation or goals. For personal advice, speak to a qualified adviser.
Should I enter gross salary or take-home pay?
Enter the figure you budget with. Take-home pay, the amount that reaches your account, usually gives a more realistic picture. Use the same basis each time so you can compare months.
Where does money sent home go in the 50/30/20 rule?
There is no fixed place for it. This calculator groups it under "everything else" next to wants, and shows it as its own line so you can see its share of your salary.
Why does it say I am over my salary?
The items you entered add up to more than your salary. Check the figures, or whether part of your income is missing from the salary box.
Is anything saved or sent?
No. The calculation runs in your browser, nothing is stored, and the CSV is created on your device when you click Export.
Related
Want this automatically from your real bank statement?
Try the Bank Statement Categorizer freeFree: one file at a time, latest 3 months. CSV for most banks; PDF only for ADIB statements. Your file stays in your browser.