dbrcalculator.ae exists to answer one question clearly: will a UAE bank say yes? Every consumer credit decision in the country runs through the Debt Burden Ratio, yet most borrowers first hear the term at the moment of a rejection. These tools let you run the bank’s own math before the bank does.
The site is built and maintained by Umar Attique, a web developer and SEO consultant who builds calculation and reference tools. It is independent: not a bank, not a broker, and not affiliated with any lender. Nothing here is financial advice — the calculators estimate regulatory capacity, and individual banks always make the final decision on their own criteria.
Every figure used by the tools — the 50% cap, the 5% card rule, the 20× salary limit — is documented with its source on the How We Calculate page. Spotted something outdated? Tell us — corrections ship fast.