Personal finance tools
They do the arithmetic with you.
Seven free personal finance calculators, in English and Arabic, to compare your options and see what each does to your budget — from paying off debt and saving to planning an investment. They run in your browser, with no sign-up and nothing you type stored. The examples and currencies are the ones used in Bahrain and the Gulf. Made by Alrasly — an accountant with an MBA, explaining personal finance since 2014.
The calculators
Leaving your job? Know what you are owed before you ask.
Calculate your end-of-service gratuity
Under Bahraini labour law — half a month for each of the first three years, a full month after that. It separates the employer’s share from the GOSI share after March 2024.
Three instalments, and no idea which to clear first?
Plan your debt payoff
Order your debts and see which route gets you out faster and cheaper — in dinars and in months. It separates conventional finance from murabaha, because paying early there may save you nothing.
100 dinars a month — what does that become in ten years?
Calculate compound interest
Enter your amount and what you add each month, and see how much you put in and how much you earned. The gap widens with acceleration, not evenly.
You have a goal — how much do you need to save each month to reach it?
Work out what to save each month
Say what the goal is and when you want it, and it gives you the monthly figure — with the probability of getting there, rather than one number pretending to be certain.
Want to measure where you stand and watch it move?
Record where you stand financially
Everything you own minus everything you owe. Record it today and compare it every three months — one number gives you a picture, four give you a direction.
The assessments
A calculator gives you a number. An assessment gives you a diagnosis.
Test yourself and find out.
How much risk can you actually take?
Most of us believe we can take more risk than we really can — until the market falls. Fourteen questions separate what you are willing to do from what your position can afford. They are not the same thing.
Ready to invest, or is there something to sort out first?
Assess your financial health
Eight questions across four areas — spending, saving, borrowing, planning. You get four separate scores, so you can see where you are strong and where the gap is. Your income does not earn points.
Common questions
Are the tools really free?
Yes. All of them, with no sign-up and no paid version.
Do you store what I enter?
No. The arithmetic happens in your browser, and we never receive or store a number you type. Close the page and it is gone.
Do they work across the Gulf?
Most of them, yes — compound interest, net worth, the goal planner, debt payoff and both assessments do not depend on any one country’s law. The end-of-service gratuity calculator is built on Bahraini labour law specifically, and the rules differ elsewhere in the Gulf.
Why is there no sign-up?
Because you do not need one. If saving your results is added later, it will be optional.
Is this investment advice?
No. They are calculators, for learning. Nothing here recommends a product, a fund or a share.
The tools are free and they stay free. If you want the whole thing laid out — from nothing, through to a portfolio you have built yourself — the course is the way.
The course is taught in Arabic. Its full curriculum is in English on the course page.