🛠️ Tools & Templates

Tools & Templates

Free calculators, AI-powered tools and ready-made spreadsheet templates, built for Gulf professionals who take their finances seriously.

✦ Online tools

Calculators & AI tools

Use them right in your browser, on your phone or computer. The free tools need no sign-up; premium tools are a one-time payment. AI tools include up to 30 generations a month.

Free · Calculator

Debt Payoff Planner

Add every loan and card, set what you can pay each month, and see your debt-free date. Compares Snowball, Avalanche and Balanced strategies, with Islamic financing support.

Multiple debtsMonth-by-monthIslamic modePDF & CSV

Free No sign-up

Plan My Payoff →

Free · Calculator

Zakat Calculator

Values your gold and silver by weight and purity, checks the nisab, and applies Hanafi, Maliki, Shafi’i or Hanbali rules on jewellery and debts.

4 schoolsNisab checkGold & silverPrintable

Free No sign-up

Calculate Zakat →

Free · Planner

Gulf Salary Budget Planner

Enter your salary, loans and expenses to see exactly where your money goes, with a personalised action plan.

SalaryExpensesAction plan

Free No sign-up

Plan My Budget →

Free · AI Tool

Gulf Letter AI

Formal letters and emails in English or Arabic, in seconds: dispute a bank fee, request a salary certificate, ask your landlord for repairs or complain to your telecom provider.

English & ArabicBank & employerWord & PDF

Free 3 letters a day

Write a Letter →

Free · Calculator

Salary Offer Comparator

Compare your current package with a job offer anywhere in the Gulf and see what you'd really have left each month after rent, school fees and living costs, with end-of-service gratuity counted too.

10 Gulf citiesCost of livingGratuity

Free Unlimited use

Compare Offers →

Premium · AI Tool

Gulf Job Application Agent

Upload your CV and paste a job advert. Get a match score and missing keywords, a tailored ATS-friendly CV, cover letter, LinkedIn message and interview prep, then review the job offer before you sign.

Match scoreTailored CVInterview prepOffer review

$15 One-time · 60 AI uses / month

Premium · AI Tool

Bank Document Explainer

Upload or paste a bank statement, loan or financing agreement for a plain-language explanation, or compare 2–3 loan offers side by side: monthly payment, total cost, fees and the true yearly cost. English or Arabic.

AIEnglish & ArabicLoans & statementsCompare offers

$10 One-time · 30 AI uses / month

Premium · Calculator

GCC Gratuity Calculator

Your end-of-service gratuity in Oman, the UAE, Saudi Arabia, Qatar, Bahrain or Kuwait, calculated from your actual dates under each country's labour law, with the full working and a printable report.

6 GCC countriesDate-basedFull breakdown

$10 One-time · unlimited use

✦ Spreadsheet templates

Templates & guides

Ready-made templates for Microsoft Excel 2016+ and Google Sheets. No subscriptions; instant download via Google Drive.

Income & Expense Tracker

Expense Tracking

Income & Expense Tracker

Excel 2016+

Google Sheets

Year-on-year income vs. expense dashboard with monthly breakdowns, savings rate, and top 20 income & expense sources. Automated tracking with real-time visual progress.

Annual Monthly Custom Insights Auto Charts

$9.99 Instant Download

Buy Now →

Paycheck Budget

Budgeting

Paycheck Budget Planner

Excel 2016+

Google Sheets

Biweekly & weekly budgeting system with smart bill calendar, cash flow summary, and auto monthly overview. Works with any currency — ideal for Gulf salary cycles.

Biweekly Weekly Bill Calendar Any Currency

$9.99 Instant Download

Buy Now →

Annual Budget

Annual Planning

Annual Budget Planner

Excel 2016+

Google Sheets

All-in-one automated 12-month tracker with annual dashboard, bank account tracking, income & expense breakdowns, and debt payment summaries. Clutter-free design.

12 Months Bank Tracking Auto Dashboard Clutter-Free

$9.99 Instant Download

Buy Now →

Productivity

Habit Tracker

Excel 2016+

Google Sheets

Daily, weekly, and monthly habit tracking system with automatic visual progress and a bonus goal tracker. Simple, consistent, and built for professionals who value discipline.

Daily Weekly Goal Tracker Visual Progress

$9.99 Instant Download

Buy Now →

The Gulf Debt Survival Guide

Digital Guide

The Gulf Debt Survival Guide

PDF Guide

Instant Access

7 chapters written specifically for Gulf professionals — why Gulf debt is different, the real cost of your loan, Avalanche vs Snowball, a 90-day plan, bank scripts, and halal debt strategy.

7 Chapters 90-Day Plan Halal Strategy Bank Scripts

OMR 4.90 Instant Download

Buy Now →

✦ Crypode Labs

Experiments & family apps

Side projects from the Crypode workshop: free AI apps for the family, built alongside our main tools.

Free · Kids & Family

LittleTales

Type any story idea and AI writes a children's story in English and Arabic, with read-aloud, word highlighting and tap-to-hear key words.

AI storiesEnglish & ArabicRead aloud

Free No sign-up

Read a Story →

TrueTrip

Search any country and get an AI travel guide: hidden gems, daily cost breakdown, local food spots, tourist traps to avoid and a personalised itinerary.

AI guideDaily costsItinerary

Free No sign-up

Plan a Trip →