UAE take-home & end-of-service
The UAE levies no personal income tax on salaries, so for most expatriate workers take-home equals gross pay. The real money question is what you are owed when the job ends — the end-of-service gratuity — and, for UAE nationals, the GPSSA pension. The result is an estimate based on the rates in force for 2026.
- No income tax withheld — you keep 100%
- End-of-service, GPSSA and the basic split — itemized
- No sign-up, no personal data
Quick estimate
Enter your gross monthly salary and whether you are an expatriate or a UAE national — the calculator shows your take-home immediately. For most expats that is simply your full gross; for a UAE national the GPSSA pension is the only deduction. The result is an estimate, not an official decision.
Total monthly pay before any deduction (basic + allowances).
Market practice, not law — the basic share drives your gratuity.
Net (take-home)
Net (take-home): 15,000.00 AED- Net (take-home)15,000.00100%
- Gross monthly salary
- 15,000.00 AED
- Basic salary
- 9,000.00 AED
- Allowances
- 6,000.00 AED
- Income tax
- 0.00 AED
- ILOE insurance (paid separately)
- 5.25 AED
No income tax and no employee social security are withheld from an expatriate’s pay in the UAE — so your take-home equals your gross. You keep 100%.
Notes on this calculation (1)
ILOE unemployment-insurance premium: category A, 5.25 AED a month. This is paid separately through the ILOE portal — it is informational and is NOT deducted from your pay.
The UAE does not levy personal income tax on salaries. There is no bracket, no personal allowance, and no withholding for income tax — so if you are one of the roughly nine in ten workers here on an expatriate contract, the number on your offer letter is, quite literally, what lands in your account.
That makes a bare “net = gross” page thin. The questions that actually decide your money are what you are owed when the job ends — the end-of-service gratuity — and, for UAE nationals, the GPSSA pension. Those, and the basic-vs-allowances split that drives the gratuity, are what these tools work out.
- 0%
- Income tax on salaries
- 21 / 30
- Gratuity days per year (first 5 / after)
- 11%
- GPSSA — national’s share (new joiner)
How it works
Three steps to a first, honest number — no sign-up.
- 1
Enter your pay
Gross monthly salary, and whether you are an expatriate or a UAE national.
- 2
See the honest breakdown
Take-home, the basic-vs-allowances split, and any GPSSA pension — line by line.
- 3
Work out end-of-service
Then use the gratuity tool to see the lump sum you are owed when the job ends.
Why your take-home is your gross
In most countries a chunk of every paycheck disappears before it reaches you — income tax, social security, health contributions. In the UAE, for an expatriate, none of that happens:
- No income tax. Salaries, wages, bonuses and allowances are not taxed — there is no personal income tax statute at the federal or emirate level.
- No employee social security for expatriates. UAE nationals contribute to the GPSSA pension; expatriates do not.
- ILOE unemployment insurance is a small, employee-borne premium usually paid separately through the ILOE portal — it is informational here and is not taken from your pay.
So the honesty is the product: for an expatriate, take-home equals gross. The depth lives in what happens at the end of service, and in how your salary is split between basic and allowances — because only the basic wage drives your gratuity.
Explore the tools
One page per topic — the rules, and what they do to your money.
Net pay calculator
Take-home for expats and UAE nationals — no income tax, GPSSA only where it applies.
End-of-service gratuity
The lump sum owed when a job ends — computed on the last basic wage, capped at two years.
GPSSA pension
For UAE nationals — the employee share that touches take-home, plus the employer share.
Basic vs allowances
The split that drives your gratuity — an editable assumption, labelled practice, not law.
Wage Protection System
How salaries are paid and monitored — and why no tax is withheld in the flow.
Frequently asked questions
Answers about take-home pay, end-of-service gratuity, GPSSA and the basic split.
What the 2021 labour law changed
Two things trip people up when they read older guidance:
- The resignation reduction is abolished. Under the old law, resigning (rather than being terminated) could cut your gratuity by a third or two-thirds. That is gone — full gratuity is due either way. Any calculator still applying the haircut is stale.
- Gratuity is on basic pay only. Housing, transport and other allowances are excluded, so a salary that is mostly allowances builds a smaller gratuity than the same total paid mostly as basic.
The 60% basic rule is practice, not law
You will often read that basic salary “must be at least 60% of gross.” In fact there is no statutory minimum ratio in UAE law — the 60% figure is market practice and court expectation, and suppressing basic to shrink a gratuity is a challenge risk rather than an illegal act.
That is why the calculator treats the basic share as an editable assumption you can change to match your own contract, and labels it clearly as practice, not law — never as a legal rule.
Frequently asked questions
More answers are being added as the content grows.
Ready?
See your take-home in seconds
Enter your gross and see what you actually keep — then work out your end-of-service gratuity. No sign-up.