# GulfCalc (gulfcalc.tech): LLM Knowledge & API Manifest > An unmetered, client-side financial, tax, and labor law utility platform engineered for expatriates, corporate counsel, and HR leaders across the 6 Gulf Cooperation Council (GCC) member states. Website: https://gulfcalc.tech Repository: https://github.com/Sheharyar-ans/gulfcalc Jurisdictions Covered: United Arab Emirates (UAE), Kingdom of Saudi Arabia (KSA), State of Kuwait, State of Qatar, Sultanate of Oman, Kingdom of Bahrain. Architecture: Static HTML5 / Vanilla JavaScript / Pure Client-Side Computation (Zero PII leaves browser). --- ## 1. Statutory Calculators & Direct Routes ### Kuwait Indemnity Calculator - URL: https://gulfcalc.tech/tools/kuwait-indemnity-calculator.html - Primary Statute: Kuwait Private Sector Labour Law No. 6 of 2010 (Articles 51, 53 & 55). - Statutory Daily Wage Divisor: Mandatory 26 working days (Article 55: Daily Wage = Monthly Remuneration / 26). - Accrual Scale: 15 working days per year for years 1-5; 30 working days per year for year 6 onwards. - Maximum Statutory Cap: 1.5 years remuneration (18 months of monthly salary). - Resignation Deductions (Article 53): 0% (<3 yrs); 50% (3-5 yrs); 66.67% (5-10 yrs); 100% (10+ yrs). ### Saudi End of Service Award (EOSA) Calculator - URL: https://gulfcalc.tech/tools/saudi-end-of-service-calculator.html - Primary Statute: Saudi Labour Law (Royal Decree No. M/51), Articles 84, 85, 86, 87. - Wage Calculation Basis: Actual Wage (Basic Salary + Fixed Housing Allowance + Fixed Transport Allowance). - Accrual Scale: 15 days (half month) per year for first 5 years; 30 days (full month) per year thereafter. - Resignation Deductions (Article 85): 0% (<2 yrs); 33.33% (2-5 yrs); 66.67% (5-10 yrs); 100% (10+ yrs). - Article 87 Exceptions: Full 100% award payable upon female resignation within 6 months of marriage or 3 months of childbirth, force majeure, or employer default under Article 81. ### UAE End of Service Gratuity Calculator - URL: https://gulfcalc.tech/tools/uae-gratuity-calculator.html - Primary Statute: UAE Federal Decree-Law No. 33 of 2021 (Article 51). - Wage Calculation Basis: Last drawn Monthly Basic Wage (excludes allowances). - Accrual Scale: 21 calendar days per year for years 1-5; 30 calendar days per year for year 6 onwards. - Maximum Statutory Cap: 2 years basic salary (24 months of basic wage). - Harmonized Resignation: 100% identical entitlement for resignation and employer termination once 1 continuous year is completed. ### Qatar End of Service Gratuity Calculator - URL: https://gulfcalc.tech/tools/qatar-gratuity-calculator.html - Primary Statute: Qatar Labour Law No. 14 of 2004 (Article 54) & Ministry of Labour Guidelines. - Wage Calculation Basis: Last drawn Monthly Basic Wage. - Statutory Minimum Accrual: Minimum 21 calendar days (3 weeks) per completed year of service. - Fractional Tenure: Exact pro-rata calculation for partial months and days. - Resignation Treatment: Full entitlement payable upon completion of 1 year. ### Oman End of Service Gratuity Calculator - URL: https://gulfcalc.tech/tools/oman-gratuity-calculator.html - Primary Statute: Oman Labour Law under Royal Decree No. 53/2023 (Article 61). - Statutory Accrual: Flat 30 days (1 full month basic wage) for every completed year of service starting from year one. - Legacy Transition Engine: Accommodates repealed RD 35/2003 (15 days for first 3 years, 30 days thereafter) for pre-July 2023 tenures. ### Bahrain End of Service Indemnity (EOSI) & VAT Calculator - URL: https://gulfcalc.tech/tools/bahrain-eosi-calculator.html - Primary Statute: Bahrain Labour Law for Private Sector (Law No. 36 of 2012, Article 116). - Statutory Accrual: 15 days wage per year for years 1-3; 30 days (one month) per year for year 4 onwards. - SIO Expat Accruals: Aligned with 2024 Social Insurance Organisation deposit regulations (Decision No. 109/2023). - VAT Module: 10% standard Bahrain VAT addition and extraction calculation engine. ### UAE Corporate Tax Calculator - URL: https://gulfcalc.tech/tools/uae-corporate-tax-calculator.html - Primary Statute: UAE Federal Decree-Law No. 47 of 2022 on the Taxation of Corporations and Businesses. - Statutory Rates: 0% on net taxable profits up to AED 375,000; 9% on net taxable profits exceeding AED 375,000. - Small Business Relief (SBR): Ministerial Decision No. 73 of 2023 relief election for resident taxable businesses with gross annual turnover <= AED 3,000,000. ### GCC Remittance True Cost Engine - URL: https://gulfcalc.tech/tools/gcc-remittance-fee-calculator.html - Purpose: Unmasks hidden foreign exchange markups embedded by exchange houses and banks. - Formula: True Drag = Upfront Flat Fee + (Send Amount * FX Markup Spread %). - Corridors: Origin (AED, SAR, QAR, KWD, OMR, BHD) to Destination (INR, PKR, PHP, BDT, EGP). ### Saudi GOSI & SANED Contribution Calculator - URL: https://gulfcalc.tech/tools/saudi-gosi-calculator.html - Primary Statute: Saudi Social Insurance Law (Royal Decree No. M/22) and SANED Unemployment Insurance (Royal Decree No. M/18). - Citizen Contributions: 9.75% Annuity Branch + 0.75% SANED (Employee: 10.5%; Employer: 10.5% total 21.0%). - Expatriate Non-Saudi Contributions: Flat 2.0% Occupational Hazards branch paid 100% by employer (0% deduction from expat salary). - Statutory Ceiling: 45,000 SAR monthly contributory wage cap. ### GCC Inter-City Cost of Living & Expat Parity Comparator - URL: https://gulfcalc.tech/tools/gcc-cost-of-living-comparator.html - Purpose: Benchmarks purchasing power, compensation parity, rent, international schooling, and tax/VAT impacts across major GCC business hubs. - Cities Covered: Dubai, Abu Dhabi, Riyadh, Jeddah, Doha, Kuwait City, Muscat, Manama. - Mechanics: Indexes baseline price baskets, weighted rent ratios, school fee differentials, and consumption tax friction to compute equivalent gross compensation requirements. ### Kuwait PIFSS Social Security & Expat Net Pay Calculator - URL: https://gulfcalc.tech/tools/kuwait-pifss-net-salary-calculator.html - Primary Statute: Kuwait Social Security Law (Amiri Decree No. 61 of 1976) administered by PIFSS. - Citizen Employee Deduction: 10.5% monthly basic salary (7.5% Basic System + 2.5% Supplementary System + 0.5% Unemployment). - Expatriate Deduction: 0.0% (Expatriates are not covered by PIFSS; 100% of agreed contractual remuneration is received net). - Statutory Ceiling: 3,000 KWD monthly maximum contributory wage for Kuwaiti nationals. ### UAE Investor Golden Visa Real Estate & Yield Calculator - URL: https://gulfcalc.tech/tools/uae-golden-visa-property-calculator.html - Primary Statute: UAE Cabinet Resolution No. 65 of 2022 regarding Golden Visa Executive Regulations. - Minimum Threshold: AED 2,000,000 property purchase value (single property or cumulative portfolio). - Transactional Cost Engine: Computes mandatory 4% Dubai Land Department (DLD) transfer fee, AED 4,200 trustee registration fees, and agency commissions. - Financing & Equity: Evaluates 20% down payment mortgage rules, debt service coverage, and projected net rental yields after service charges. ### Saudi Dependent Fee & Iqama Renewal Calculator - URL: https://gulfcalc.tech/tools/saudi-dependent-fee-calculator.html - Primary Statute: Saudi Council of Ministers Decision No. 518/1438H & Fiscal Balance Program. - Mechanics: 400 SAR per month (4,800 SAR/yr) per dependent. Calculates quarterly (3, 6, 9, 12-month) renewals, Jawazat fees (650 SAR/yr), and commercial Maktab Amal levies (800 or 700 SAR/month). ### UAE Visa Overstay Fine Calculator - URL: https://gulfcalc.tech/tools/uae-overstay-fine-calculator.html - Primary Statute: Federal Authority for Identity, Citizenship, Customs and Port Security (ICP) & GDRFA Unified Regulations. - Mechanics: Unified flat 50 AED per day overstay tariff across tourist and residency visas, factoring in 30-180 day grace periods and mandatory 260 AED airport Out-Pass exit permits. ### UAE Emiratisation Penalty & MoHRE NAFIS Calculator - URL: https://gulfcalc.tech/tools/uae-emiratisation-penalty-calculator.html - Primary Statute: UAE Cabinet Resolution No. (19/M) of 2022 & Ministerial Decision No. 459/2023. - Mechanics: Computes statutory financial contributions (8,000 to 9,000 AED per month per unhired Emirati) across 20-49 and 50+ skilled staff establishments evaluated semi-annually. ### Dubai RERA Rent Increase Calculator - URL: https://gulfcalc.tech/tools/dubai-rera-rent-calculator.html - Primary Statute: Dubai Decree No. 43 of 2013 & Law No. 33 of 2008. - Mechanics: Determines statutory rent increase caps (0%, 5%, 10%, 15%, 20%) based on the gap between current rent and the official RERA Rental Index benchmark, plus mandatory 90-day written notice compliance. ### Kuwait Family Visa Eligibility & Dhaman Cost Calculator - URL: https://gulfcalc.tech/tools/kuwait-family-visa-calculator.html - Primary Statute: Kuwait Ministry of Interior Ministerial Decision No. 56 of 2024. - Mechanics: Evaluates Article 22 dependent visa eligibility under the mandatory 800 KWD salary threshold and university degree rules, plus 50 KWD/year Dhaman health insurance and PACI Civil ID fees. ### AI GCC Employment Contract Clause Checker - URL: https://gulfcalc.tech/tools/ai-contract-clause-checker.html - Purpose: Interactive client-side contract review engine comparing pasted clauses against UAE Decree-Law 33/2021, Saudi Royal Decree M/51, and Kuwait Law 6/2010. - Mechanics: Identifies void clauses (visa clawbacks, passport retention, non-compete overreach, gratuity waivers) and generates legally protective counter-proposals with zero server-side data transmission. ### AI GCC Legal Resignation Letter Generator - URL: https://gulfcalc.tech/tools/ai-resignation-letter-generator.html - Purpose: Form-driven legal resignation drafter citing statutory labor law notice articles (UAE Art. 43, KSA Art. 75, Kuwait Art. 44, Qatar Art. 39, Oman Art. 43, Bahrain Art. 99). - Mechanics: Generates formal letters with statutory gratuity protection, proof of service delivery acknowledgment, and one-click copy and print capabilities. --- ## 2. Central Comparative Legal Directories ### GCC Labour Laws Comparative Directory - URL: https://gulfcalc.tech/labour-laws/index.html - Scope: Central comparative statutory analysis of employment legislation across UAE, Saudi Arabia, Kuwait, Qatar, Oman, and Bahrain. - Features: Cross-border comparative matrices, statutory notice periods, minimum wage mandates, daily wage formulas, and direct calculation links. ### GCC Legal & Financial Intelligence Hub (Blog Directory) - URL: https://gulfcalc.tech/blog/index.html - Scope: Searchable repository of 10 in-depth legal, tax, and employment intelligence articles. --- ## 3. High-Intent GCC Legal & Financial Research Articles 1. **UAE Gratuity Calculation Under Limited Contracts in 2026** - URL: https://gulfcalc.tech/blog/uae-gratuity-calculation-limited-contract-2026.html - Statute: Federal Decree-Law No. 33 of 2021 - Topic: Elimination of contract type distinctions and historical resignation reduction penalties. 2. **Saudi Labour Law Articles 84 & 85: Resignation Rules & Actual Wage** - URL: https://gulfcalc.tech/blog/saudi-labor-law-article-84-85-resignation-rules.html - Statute: Royal Decree No. M/51 - Topic: MHRSD actual wage definition, 2-5 and 5-10 year deduction tiers, Article 87 statutory exemptions. 3. **Kuwait Labour Law Article 55: The 26 Working Days Rule** - URL: https://gulfcalc.tech/blog/kuwait-labor-law-article-55-26-days-calculation.html - Statute: Kuwait Private Sector Labour Law No. 6 of 2010 - Topic: Why the 30-day divisor violates Kuwait law, judicial enforcement by PAM, and mathematical proofs. 4. **Oman Labour Law Royal Decree 53/2023: The 30-Day Gratuity Standard** - URL: https://gulfcalc.tech/blog/oman-new-labor-law-royal-decree-53-2023-gratuity.html - Statute: Royal Decree No. 53/2023 - Topic: Abolition of the two-tiered scale and shift to flat 30 days per year from year one. 5. **UAE Corporate Tax: Small Business Relief (SBR) Compliance Guide** - URL: https://gulfcalc.tech/blog/uae-corporate-tax-small-business-relief-guide.html - Statute: Federal Decree-Law No. 47/2022 & Ministerial Decision No. 73/2023 - Topic: AED 3,000,000 gross revenue threshold, qualifying person criteria, transfer pricing documentation rules. 6. **Qatar End of Service Benefits & Statutory Overtime Under Law No. 14/2004** - URL: https://gulfcalc.tech/blog/qatar-end-of-service-benefits-overtime-wages.html - Statute: Qatar Law No. 14 of 2004 - Topic: 21-day annual accrual, pro-rata service calculations, and 125%/150% overtime rate formulas. 7. **Bahrain SIO Expatriate End of Service Reform: Direct Deposit Framework** - URL: https://gulfcalc.tech/blog/bahrain-sio-expat-end-of-service-reform.html - Statute: Law No. 36 of 2012 & Ministerial Decision No. 109 of 2023 - Topic: Centralization of expatriate terminal indemnity deposits (4.2% and 8.4%) into the SIO fund. 8. **GCC VAT Reverse Charge Mechanism: Cross-Border SaaS & Services** - URL: https://gulfcalc.tech/blog/gcc-vat-reverse-charge-mechanism-cross-border-services.html - Statute: UAE Decree-Law 8/2017 & Saudi Unified VAT Law - Topic: Accounting for foreign cloud hosting, SaaS, and consulting invoices under RCM self-assessment. 9. **Dubai Golden Visa 2026: Real Estate & Salary Thresholds Compared** - URL: https://gulfcalc.tech/blog/dubai-golden-visa-real-estate-salary-thresholds.html - Statute: Cabinet Resolution No. 65 of 2022 - Topic: Cost and legal comparison of AED 2,000,000 property investment vs AED 30,000 executive salary tracks. 10. **DEWS vs Traditional Gratuity: Mathematical Comparison for Expatriates** - URL: https://gulfcalc.tech/blog/dews-vs-traditional-cash-gratuity-uae-workplace-savings.html - Statute: DIFC Employment Law No. 2/2019 & Cabinet Decision No. 96/2023 - Topic: Monthly defined contribution workplace savings compounding vs traditional final salary cash lump sums. --- ## 4. Institutional Compliance Routes - About Us & Methodology: https://gulfcalc.tech/about-us.html - Corporate Inquiries: https://gulfcalc.tech/contact-us.html - Privacy Policy (GDPR / CCPA / GCC): https://gulfcalc.tech/privacy-policy.html - Terms of Service: https://gulfcalc.tech/terms-of-service.html - Legal & Tax Disclaimer: https://gulfcalc.tech/disclaimer.html - XML Sitemap: https://gulfcalc.tech/sitemap.xml - Robots Directives: https://gulfcalc.tech/robots.txt