🧮 Tools · Calculators

Finance Tools for Morocco

Interactive calculators built for the Moroccan market, grounded in the same sourced data as the rest of Dalil. Each one runs entirely in your browser - nothing you type is sent anywhere.

TAX · DIVIDENDS · GAINS · INTEREST
After-Tax Investment Income Calculator
The press quotes the gross figure; the broker pays the net. Work out what a Moroccan resident actually keeps after withholding tax on dividends (TPA, phasing 15% to 10%), capital gains (TPCVM 15% / 20%), and bond interest (TPPRF 20%).
Interactive · 3 modes
GOLD · MAD PER GRAM · KARAT
Gold Price Calculator - MAD per Gram by Karat
Bridge the international gold spot price (USD per troy ounce) to the way Moroccan souks sell gold: dirhams per gram, in 18k, 21k, 22k, and 24k. Includes the value of a specific piece by weight and karat.
Interactive · karat table
SAVINGS · COMPOUNDING · REAL VALUE
Compound Interest and Savings Calculator
Project how a dirham savings or investment plan grows with monthly contributions and compounding, and see the inflation-adjusted value in today's purchasing power. A projection tool, not a return promise.
Interactive · real value

How these tools fit together

The three calculators cover the arc a Moroccan saver actually walks. The compound calculator answers "if I save this much for this long, what could it become" - the planning question. The after-tax calculator answers "what do I actually keep" once withholding tax is applied to the income that plan generates. And the gold calculator handles the asset Moroccan households hold most outside the banking system, translating a dollar-per-ounce world price into the gram-and-karat terms of a souk transaction.

Each tool is deliberately transparent about its assumptions and links to the sourced explainer behind it, so you can see the reasoning rather than trust a black box. None of them is investment or tax advice; rates and prices change, and the right figure for a real decision should be confirmed with a broker, a bank, or a Moroccan tax adviser.

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