Net Worth Tracker for UAE

One of the distinctive aspects of tracking net worth in the UAE is that assets are often spread across multiple countries and currencies. Bank accounts, property, and investments in a home country sit alongside local UAE savings and perhaps international brokerage holdings. Converting everything to a single currency for comparison - whether AED or your home currency - gives a clearer overall picture, though exchange rate movements can create apparent gains or losses that have nothing to do with actual financial progress.

End-of-service gratuity is an asset that grows each year of employment but remains invisible until you leave. Estimating its current value based on years of service and basic salary, then including it in net worth tracking, prevents this significant entitlement from being overlooked. Under the DEWS scheme in DIFC, the gratuity is held in an actual investment account with a trackable balance.

The absence of capital gains tax in the UAE simplifies net worth tracking in one important way - the full market value of investments represents your asset without a hidden future tax liability. In countries with capital gains tax, unrealized gains carry a deferred obligation that reduces the true net value. Here, what you see in your portfolio is what you actually have.