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Financial Calculators - 50+ Free Financial Tools

Manage your money smartly with 50+ free financial calculators. From salary and loan calculators to investment and budgeting tools - everything you need to make sound financial decisions in Saudi Arabia.

50+ Financial Tools Arabic / English Updated for KSA 2026

💼 Salary & Employment Calculators

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Salary Calculator
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Paycheck Calculator
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Salary Tax Calculator
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Salary Comparison Calculator
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Salary Increase Calculator
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Salary Negotiation Calculator
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Salary Dates
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Salary Countdown
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End of Service
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End of Service Calculator
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Retirement Calculator

🏦 Loan & Mortgage Calculators

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Loan Calculator
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Loan Comparison Calculator
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Mortgage Calculator Saudi
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Mortgage Early Payoff
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Mortgage Affordability
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Car Loan Calculator
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Car Loan Calculator Saudi
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Student Loan Payoff

📈 Investment Calculators

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Investment Calculator
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Compound Interest Calculator
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Simple Interest Calculator
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ROI Calculator
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Stock Profit Calculator
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Gold Price Calculator
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Silver Price Calculator
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Rental Yield Calculator

🧾 Tax & Duty Calculators

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VAT Calculator
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Income Tax Calculator
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Property Tax Calculator
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Customs Duty Calculator

📋 Budget & Savings Calculators

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Monthly Budget Planner
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Daily Expense Tracker
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Savings Calculator
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Savings Goal Calculator
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Emergency Fund Calculator
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Bill Splitter
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Tip Calculator
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Subscription Cost Calculator

💳 Debt Calculators

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Debt Payoff Calculator
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Debt Snowball Calculator
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Credit Card Payoff Calculator
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Debt to Income Calculator

🏢 Business & Freelance Calculators

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Freelance Income Calculator
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Freelance Rate Calculator
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Profit Margin Calculator
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Break-Even Calculator
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Business Startup Cost
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Business Valuation Calculator
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Invoice Generator

🔧 Other Financial Tools

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Percentage Calculator
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Discount Calculator
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Inflation Calculator
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Net Worth Calculator
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Zakat Calculator
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Gold Zakat Calculator
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IBAN Validator
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Currency Converter

Financial Calculators Designed for Saudi Arabia and the Arab World

Hijri Calendars offers the largest collection of free financial calculators specifically designed for residents of Saudi Arabia and GCC countries. All calculators are updated with the GOSI social insurance system, Saudi labor law, 15% VAT rate, and current financial regulations for 2026.

The salary calculator computes your net salary after GOSI deductions of 9.75% for Saudis and 2% for non-Saudis. The end-of-service calculator determines your gratuity per Saudi labor law: half month per year for the first five years, and a full month per year thereafter. Loan calculators include mortgage and car loans with updated interest rates from Saudi banks.

For investors and entrepreneurs, we provide investment returns, ROI, profit margin, break-even, and startup cost calculators. We also offer debt management and budget planning tools to help you achieve financial stability. All tools are free, require no registration, and keep your financial data private.

Frequently Asked Questions about Financial Calculators

According to Saudi labor law, end-of-service gratuity is calculated as follows: half a month's salary for each of the first five years, and a full month's salary for each subsequent year. The employee is entitled to the full gratuity if they have served 10+ years or if their contract was terminated by the employer. The applicable salary is the last basic salary plus housing and transportation allowances.

The Value Added Tax (VAT) rate in Saudi Arabia is 15% since July 2020. It applies to most goods and services, with some sectors exempted such as healthcare and education. Our VAT calculator allows you to easily add tax to a price or extract it from the total.

The debt snowball method focuses on paying off the smallest debt first while making minimum payments on other debts. After the smallest debt is paid off, its payment amount is added to the next smallest debt, and so on. This method provides psychological motivation because you see results quickly. Our debt snowball calculator computes the complete repayment timeline and total amount paid.

The Saudi mortgage calculator computes your monthly payment based on the financing amount, repayment period, and annual profit rate. It supports major Saudi banks and Shariah-compliant financing methods (Murabaha and Ijara). It also shows you the total financing cost, detailed repayment schedule, and the difference between early and regular repayment.

Yes, all financial calculators are regularly updated to reflect the latest regulations and laws in Saudi Arabia for 2026, including GOSI rates, VAT, and labor laws. Results are estimates, and it is always recommended to consult a specialist for complex financial situations.