| What it does | Rent vs buy planner showing which option you can afford based on your take-home pay, kids, childcare, cars and debts
| Money maths for the UAE & Gulf, done right.
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| Based in | US
| AE
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| Pricing model | Freemium
| Free
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| Pricing | Free to build and edit your plan, no account required. The Housing Model Pass adds detailed results for $59 for 12 months, one payment with no automatic renewal and a 14-day refund.
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| Key features | - Compare renting, buying now, buying later, and starter home then upgrade paths
- 30-year wealth comparison across housing paths
- Compare keeping current home as rental or buying a second home
- Plan retirement and early retirement with drawdown analysis
- Printable PDF report of your full plan and analysis
| - UAE Gratuity Calculator for end-of-service pay under Federal Decree-Law 33/2021
- Dubai Mortgage Calculator with down payment and all fees included
- Gold price tracker for Dubai updated hourly
- Exchange rates for AED to INR, PKR and 20+ currencies with 1-year charts
- Prayer times for Dubai, Abu Dhabi, Sharjah, Riyadh and 15+ Gulf cities
- UAE Corporate Tax Calculator with 0% to 9% rates and Small Business Relief to 2029
- Rent vs Buy Calculator for Dubai comparing lifetime costs
- DEWA Bill Calculator for Dubai electricity and water costs
- Zakat Calculator based on live gold and silver prices
- Loan Calculator for flat vs reducing balance rates with APR conversion
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| What makes it different | - Runs entirely in your browser with no data uploaded to servers
- All calculations performed locally on your device with inputs never sent to company servers
- Free to build and edit plans; pay only for detailed results and printable reports
- Built by a solo maker for his own rent-or-buy decision with automated math verification
| - All calculations run entirely in your browser with no files or personal data sent to servers
- Rates and rules are kept current with official budgets, tariff notifications and regulatory changes
- Built on official UAE and Saudi laws including Federal Decree-Law 33/2021 and Central Bank limits
- Completely free with no sign-ups required, supported by advertising
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | Not checked yet ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 6 | 0 |
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| Citation Flow (Majestic) | 12 | 0 |
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| Referring domains (Majestic) | 1 | 0 |
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The Housing Model
GulfSums