GPSSA pension
UAE nationals contribute to the GPSSA pension scheme; expatriates do not. The employee share is withheld from pay and is the only deduction from a national’s take-home, while the employer share and a government subsidy are informational. New joiners and legacy members contribute at different rates, and the rates shown are those in force for 2026.
GPSSA pension (your share)
GPSSA pension (your share): 2,200.00 AED- GPSSA pension (your share)2,200.00100%
- Pensionable salary
- 20,000.00 AED
- Employer share (informational)
- 3,000.00 AED
- Government subsidy (informational)
- 0.00 AED
No basic salary was entered, so it is assumed at 60% of gross (12,000.00 AED) — a common market practice, NOT a legal rule. Enter your real basic for an exact end-of-service figure.
As a UAE national, GPSSA pension is withheld at 11% of the pensionable salary — 2,200.00 AED a month. This is the only deduction from a national’s take-home.
Notes on this calculation (2)
The employer also pays 3,000.00 AED a month (informational — never taken from your pay).
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.
Who contributes — and who does not
GPSSA, the General Pension and Social Security Authority, runs the pension scheme for UAE nationals. If you are an expatriate, this page does not apply to you: expatriates make no GPSSA contribution and receive no GPSSA pension — the deduction is 0% on both the employee and employer sides. For a UAE national, by contrast, the employee pension share is the one genuine payroll deduction from take-home pay, which is why it is the only line that moves the net-pay result.
New joiners: 11% employee, 15% employer
Under Federal Decree-Law No. 57 of 2023, a national who first registered with GPSSA on or after 31 October 2023 is a “new joiner.” The employee contributes 11% of the pensionable salary and the employer 15%, for a combined 26%. Only the employee’s 11% leaves your pay — the employer share sits on top and is shown here for information, not subtracted from your net. These headline rates are quoted directly from the government source.
The 2.5% government subsidy
For a national working in the private sector on a pensionable salary below AED 20,000, the government pays 2.5% of the contribution on the employer’s behalf. That does not change what you contribute; it lowers the employer’s effective cash outlay from 15% to 12.5%. It is a subsidy to encourage private-sector Emiratisation, and it too is informational from the employee’s point of view.
Legacy members and the salary limits
A national who was already registered before 31 October 2023 remains on the earlier terms — an employee share of 5% and an employer share of 12.5%. Contributions are assessed on the pensionable salary within a band: a floor of AED 3,000 and, in the private sector, a ceiling of AED 70,000 a month, above which no further contribution is due. The government sector applies a higher ceiling. Pensionable salary is broader than the gratuity base — it is your basic pay plus fixed contractual allowances, not basic alone.
A note on sourcing, in the spirit of the site: the new-joiner 11%/15% rates, the 2.5% subsidy and its AED 20,000 threshold, and the AED 70,000 private-sector ceiling are drawn verbatim from the government restatement. The legacy 5%/12.5% split and the AED 3,000 floor are paraphrased from secondary sources that agree, because the GPSSA page itself blocked automated retrieval — the payload records those two as a paraphrase rather than a verbatim quote, and GPSSA’s own published rules are the binding ones.
Abu Dhabi runs its own fund
One structural exception: nationals based and employed in Abu Dhabi have their pensions managed by the separate Abu Dhabi Pension Fund rather than GPSSA. This calculator models the federal GPSSA scheme by default. As everywhere on the site, the result is an estimate and is shown to convey scale, not to settle a contribution.
What GPSSA pays out, and when
This page covers what a UAE national contributes. For when a pension can be drawn, how large it is, and the routes to an early pension, see pension age and eligibility, how the pension amount is calculated, and early retirement. If you are an expatriate and this whole page does not apply to you, the equivalent is the end-of-service gratuity — see our end-of-service gratuity guide and the full guide to gratuity and pensions in the UAE.