UAE Salary Calculator
Work out your net take-home pay, your gratuity accrual rate, and how the basic/allowance split affects your end-of-service benefits.
How to use
- 1
Type in your full monthly salary — everything your employer transfers each month before deductions. That's basic plus housing, transport, schooling allowance, anything else listed on the payslip.
- 2
Enter how much of that is 'basic salary'. Look at your payslip or contract. There's usually a line labelled 'basic' separately from allowances. If you can only see a total, ask HR — basic typically runs 50–60% of total package for most UAE employers.
- 3
Select your nationality category. The UAE has no income tax, so for most expats the calculation is straightforward. UAE and GCC nationals contribute 5% to GPSSA pension — that comes off the take-home automatically.
- 4
Enter your years of service if you want a gratuity estimate. Even rough years (3.5, 7) work fine.
- 5
Add any other monthly deductions — bank loan EMI, voluntary savings, advance repayments. The calculator subtracts these from net.
- 6
The result shows your monthly net, yearly net, gratuity accrual rate, and what your gratuity payout would be if you left today.
Frequently asked questions
Zero. The UAE has no personal income tax for any resident, expat or national. The figure on your payslip is the figure that lands in your bank account, minus any pension contribution (UAE/GCC nationals only) or voluntary deductions you've agreed to.
Because basic salary is what your end-of-service gratuity is calculated on. If you earn AED 20,000 total but only AED 10,000 is labelled 'basic', your gratuity is based on AED 10,000. The lower your basic, the less gratuity you get. It's the single most-overlooked detail in UAE employment contracts.
Most UAE employers structure salary as 50–60% basic, with the rest as housing, transport, education, and other allowances. Some firms set basic as low as 30% to reduce gratuity exposure. Before signing a new contract, check the basic figure — it directly affects what you walk away with.
GCC nationals working in the UAE contribute to their home-country pension scheme, with the UAE employer paying the employer-side contribution. The employee contribution is generally 5%, same as UAE nationals. Specific rules depend on the home country (Saudi Arabia uses GOSI, Kuwait uses PIFSS, etc.).
DEWS (DIFC Employee Workplace Savings) is the end-of-service savings scheme for private-sector employees in DIFC. Employers contribute about 5.83% of basic salary monthly. The employee can also contribute voluntarily. DEWS doesn't reduce gross take-home — it replaces the traditional gratuity system for DIFC employees and is held in a regulated trust on the employee's behalf.
Gratuity isn't paid monthly — it's a lump sum at the end of service. But the accrual rate is fixed: 21 days of basic pay per year for the first 5 years, then 30 days per year. For an AED 10,000 basic salary in years 1–5, that's AED 7,000 per year accrued, or about AED 583 per month. The calculator shows your monthly accrual rate as a reference figure.
No. You're not entitled to any gratuity below 12 months of completed service. Probation doesn't count toward those 12 months. The calculator shows AED 0 if your years of service is under 1.
That depends entirely on your home country's tax treaty with the UAE and your residency status. Some treaties exclude income earned in the UAE from home-country tax. Others don't. Common rule: if you spend over 183 days outside your home country, you may be exempt — but check with a tax advisor or your home-country tax authority before relying on it.
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Source: UAE Pensions and Social Security Authority (GPSSA), Federal Decree-Law 33 of 2021 · Last verified 2026-06. Verify on GPSSA (gpssa.gov.ae). This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.