Build your monthly budget from real UAE categories and see exactly where every dirham of your income goes.
Himma is the live version: the app connects your UAE accounts and keeps your UAE budget up to date in real time as you spend. See how Himma works →
| Income band (AED/mo) | Housing | Food | School | Transport | Remittances | Savings | Everything else |
|---|---|---|---|---|---|---|---|
| 5,000 – 10,000 | 33% | 16% | – | 6% | 27% | 8% | 10% |
| 10,000 – 20,000 | 35% | 15% | 2% | 10% | 9% | 15% | 14% |
| 20,000 – 35,000 | 32% | 14% | 10% | 7% | 8% | 16% | 13% |
| 35,000 – 60,000 | 30% | 13% | 13% | 7% | 6% | 16% | 15% |
| 60,000 + | 27% | 12% | 12% | 6% | 4% | 22% | 17% |
“Food” combines groceries and eating out.
Sources. Default values and benchmark shares are indicative UAE market averages as of July 2026, compiled from published cost-of-living surveys, KHDA-published school fee ranges, DEWA/EWEC tariff structures and UAE salary guides. They are starting points for the sliders, not statistics about you. Gratuity and employment references follow Federal Decree-Law 33 of 2021; banking rules follow CBUAE regulations.
Educational tool only, not financial, legal or tax advice. Default values are indicative UAE market averages as of July 2026 and will drift; verify current rents, fees, tariffs and rules with the relevant provider or regulator (KHDA/ADEK for school fees, DEWA/EWEC for utilities, CBUAE for banking) before making decisions. Your actual budget depends on your circumstances.
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