SALARY RECEIVED+ AED 18,000
Tell us about your money
Add your income, expenses, debt obligations and goals. No bank connection or registration required.
✦ YOUR MONEY. MORE CLARITY.
Make every salary work harder for your future.
The smarter way to budget your income, get ahead of credit card debt, and save for what matters. Built around the financial realities of living in the UAE.
No account needed AED-first planning Calculations stay in your browser
✦ Your money, organized
S•MYOUR MONEY OVERVIEWSM
Your monthly plan
AED 20,000.00
Illustrative monthly incomePlanned expensesAED 13,800
Savings & debt goalsAED 6,200
Where your salary goesMonthly allocation
Essentials Savings Debt Lifestyle
✦
A clearer plan starts here
↗Know what you can spend now, and what to set aside for tomorrow.
✓ Planned, not guessed
◎One salary, one clear planUnderstand your full monthly picture
↘Make debt manageableSee the impact of every repayment
✧Make room for your goalsPrepare for the expenses ahead
A BETTER WAY TO HANDLE MONEY
Money management shouldn't be a guessing game.
From salary day to the next big school fee, SalaryMizan helps you see the full picture before you make decisions.
100%allocated
Give every dirham a job
See where money needs to go today, including the bills that only arrive a few times a year.
✓Your next moveBuild stability first
Move forward with confidence
Understand possible next steps for paying down debt, building savings and preparing for your future.
BUILT FOR REAL LIFEMore than a budget.
More than a budget.
A plan for what comes next.
Your salary, finally under control.
Plan rent, groceries, transport, school fees, savings and everything else without losing track of where your money goes.
Get a handle on credit cards
Understand payoff timelines and the cost of interest before your debt grows further.
Explore debt planning →Never forget the big expenses
Set money aside for annual rent, school fees, insurance and other UAE family commitments.
Plan ahead →FREE FINANCIAL TOOLS
Try it for yourself.
Make a plan in minutes. Your entries are calculated in this browser and aren't submitted to our server.
01 / SMART MONEY PLANNING
FREESalary Budget Optimizer
Enter your monthly figures to see what you can allocate toward your future.
MONTHLY COMMITMENTS
YOUR MONTHLY SNAPSHOT
Available to allocateAED 4,000
After planned commitments and annual expense reserves
Committed this month80%
Total monthly incomeAED 20,000
Monthly commitmentsAED 15,000
Annual costs / 12AED 1,000
Assign your remaining money to an emergency reserve, savings goals or extra debt payments.
Planning guidance only. Figures are based solely on your inputs.
02 / DEBT FREEDOM
FREECredit Card Payoff Calculator
Understand the possible time and interest cost of a fixed monthly repayment.
This simplified calculator assumes no new card spending and a fixed interest rate. Bank-specific fees, interest methods and minimum payment rules may differ.
YOUR DEBT-FREE OUTLOOK
Estimated time to payoff16 months
Based on consistent monthly payments
Current balanceAED 15,000
Estimated interestAED 3,000
Estimated total paidAED 18,000
Paying more than the minimum can reduce your total interest cost.
Illustrative financial education, not a bank statement or regulated advice.
03 / YOUR FUTURE
FREESavings Goal Planner
Work out the monthly amount needed for your next big financial goal.
Suitable for emergency savings, rent, school fees, university funds or other goals. This calculator excludes investment returns.
YOUR SAVINGS ROADMAP
Save this much each monthAED 1,389
Consistent contributions to reach your target
Goal already saved17%
Target amountAED 30,000
Still to saveAED 25,000
Time horizon18 months
Automate a monthly transfer after payday if it fits your budget.
Planning illustration only; no investment growth assumed.
✦ Built for UAE salaries and family finances. No banking credentials required.
LOOKING AHEAD
Financial guidance that goes beyond the numbers.
We're building toward an AI-powered money companion that can explain your financial choices, highlight trade-offs and help you form a practical action plan.
✓ Understand your spending patterns✓ Prioritize debt, emergency funds and upcoming bills✓ Learn about long-term wealth building
AI coaching is in development. The calculators above provide rule-based guidance today.✦
SalaryMizan CoachProduct preview · Coming soon
•••I have AED 3,000 left this month. Should I save it or repay my credit card?
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Start by checking your next payment due dates and keeping essential expenses covered. Then compare your emergency savings with the cost of your card debt.
Example of future guidance, not a live AI response.Ask about your finances ➤
GOOD TO KNOW
Questions, answered.
Simple tools, transparent calculations and a clear approach to your privacy.
Is SalaryMizan free to use?+
Yes. The budget, credit card payoff and savings goal calculators on this page are free and do not require an account.
Do you store my income and expenses?+
The calculators on this page run in your browser. Your entries are not sent to SalaryMizan's server by these tools. Standard website technical logs may still be recorded by hosting infrastructure.
Can SalaryMizan connect to my bank?+
Not in this version. The current tools do not request bank credentials or SMS permissions. Optional transaction imports may be developed in a future release.
Does SalaryMizan provide investment advice?+
No. The current website provides educational budgeting and debt calculations, not product-specific investment recommendations or professional financial advice.
TODAY IS A GOOD DAY TO START
Create my free plan Your next salary deserves a better plan.
Start with what you earn, see what you can keep, and move toward a more confident financial future.