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Free Simulation Tools

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11 free tools10,000+ simulationsNo signup required

Mortgage Simulator

Popular

Simulate your mortgage in Morocco: monthly payment, amortization and rates from 10 banks from 3.89%. E.g. MAD 500,000 over 20 years = MAD 3,083/month.

Rates from 3.5%Use tool

Mourabaha Simulator

Islamic finance

Simulate your real estate or auto Mourabaha: monthly payment, margin and total cost, compared across Morocco's 5 participatory banks. Free, no commitment.

Sharia compliantUse tool

Auto Insurance Comparator

Compare car insurance from 6 Moroccan insurers: third-party from MAD 900 to 5,000/year, extended and comprehensive (about 1.8% of value). 6 free quotes.

From 1,600 MAD/yrUse tool

Borrowing Capacity Calculator

Calculate your borrowing capacity in Morocco (33% rule): on a MAD 10,000 salary, borrow about MAD 535,000 over 20 years at 4.2%. Free and instant result.

Instant resultUse tool

Consumer Credit Simulator

Simulate a consumer loan in Morocco: monthly payment, total cost and rates of 5 lenders (6.5 to 12%). E.g. MAD 50,000 over 48 months = MAD 1,209/month.

Rates from 6.5%Use tool

Notary Fees Calculator

Estimate notary fees in Morocco: 4% registration, 1.5% land registry, 1% notary fee + VAT. E.g. MAD 54,450 for an MAD 800,000 property. Free and instant.

~6% of priceUse tool

Debt Consolidation Simulator

Simulate debt consolidation in Morocco: merge your loans into one monthly payment at 2026 rates (5.50 to 7.50%) and save MAD 200 to 1,500 per month. Free.

Up to -40%Use tool

Health Insurance Comparator

New

Compare health insurance from 6 Moroccan insurers: premiums from MAD 165/month, Essential, Comfort and Premium plans based on your age and family. Free.

6 insurersUse tool

Home Insurance Comparator

New

Compare home insurance from 5 insurers in Morocco: apartments from MAD 600/year, villas from MAD 1,500 to 4,000/year, deductibles and payout times. Free.

5 insurersUse tool

Auto Loan Simulator

New

Simulate a car loan in Morocco: monthly payment, total cost, amortization at 2026 rates (5.5 to 8.5%). E.g. MAD 200,000 over 48 months = MAD 4,791/month.

Rates from 5.5%Use tool

Bank Comparator

New

Compare 10 Moroccan banks on 6 criteria: mortgage rates from 4.2%, account fees from MAD 20 to 150/month, branch network and digital. Ranked by profile.

10 banksUse tool

Savings Accounts Comparator

New

Compare 7 savings products in Morocco (passbooks, PEL, PEE, term deposits, funds) from 2.50 to 4.80%: net gain after 20% tax, final amount over 1-30 years.

10 banksUse tool

Net Salary Calculator

New

Convert your gross salary to net in Morocco 2026: CNSS, AMO, income tax, 35% allowance, employer cost. E.g. MAD 10,000 gross = about MAD 9,012 net. Free.

Instant resultUse tool

Morocco IR Calculator

New

Calculate your income tax in Morocco 2026: 0 to 37% scale, exemption up to MAD 40,000, family allowances. E.g. MAD 120,000 income = MAD 18,800 tax. Free.

Instant resultUse tool

Severance Pay Calculator

New

Calculate your severance pay in Morocco under Labor Code article 53, plus notice period. E.g. 8 years of seniority at MAD 10,000 = about MAD 47,750. Free.

Instant resultUse tool

Free financial simulators for Morocco

Wafir.ma financial simulators let you accurately calculate your monthly payments, borrowing capacity and total financing cost before contacting a bank. Each tool uses standard Moroccan banking formulas and current Bank Al-Maghrib indicative rates. All calculations run locally in your browser — no personal data is collected or transmitted.

The mortgage simulator calculates your monthly payments based on the borrowed amount, duration (up to 25 years) and interest rate. It also generates a full amortization table showing the capital/interest split month by month. The Mourabaha simulator is specifically designed for Sharia-compliant participatory financing, calculating the profit margin instead of the interest rate.

The borrowing capacity calculator determines the maximum amount you can borrow based on your income, expenses and the 45% maximum debt ratio recommended by Bank Al-Maghrib. The notary fees calculator estimates real estate acquisition costs in Morocco: registration fees (4%), land registry (1.5%), notary fees and VAT.

The auto insurance comparator lets you compare offers from 8 Moroccan insurers based on your driver profile and vehicle. The debt consolidation simulator calculates potential savings by merging your existing loans into a single reduced-rate loan.

All our tools are 100% free, no sign-up and no commitment. Results are indicative and based on average market rates — to get a personalized offer, use our comparator to connect with partner banks and insurers.

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