Tools / Banking & Finance
Debt Burden Ratio (DBR) checker
Free UAE calculator. UAE Central Bank caps total debt repayments (mortgage + loans + credit cards × 5%) at 50% of monthly income.
Total monthly debt
AED 9,500
DBR
38%
Cap 50%
Headroom
AED 3,000
- Credit card outstanding × 5% counts as a notional monthly obligation.
How this calculator works
- Enter the inputs above. Provide the figures the calculator asks for — wages, dates, contract type, etc. We use only the values you enter; nothing leaves your browser.
- We apply the UAE-law rule. Debt Burden Ratio (DBR) checker runs the formula defined by the relevant UAE statute. The math follows the official text, not a third-party shortcut.
- Read the result and the breakdown. The headline number is shown alongside any caps, eligibility flags, and step-by-step working so you can verify the figure against your contract or the law.
- Take next steps. If the result confirms a right or obligation you want to act on, talk to a UAE-licensed lawyer through the link below or browse the Q&A library for follow-up questions.
Information, not legal advice. This calculator is for orientation only. Specific situations vary — consult a UAE-licensed lawyer for advice on your matter.