Pension Calculator
GPSSA contributions for UAE nationals
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UAE nationals contribute 5% of basic salary; employers contribute 12.5% (private sector) or 15% (federal government). Expats do not participate in GPSSA.
The UAE Pension Calculator estimates monthly GPSSA contributions for UAE nationals and eligible GCC citizens working in the public or private sector.
What is GPSSA?
The General Pension and Social Security Authority (GPSSA) manages pension and social security benefits for UAE nationals and eligible GCC nationals working in the UAE. Expats are not covered — they receive gratuity (end-of-service benefit) instead.
Contribution rates
Private sector: Employee contributes 5%, employer contributes 12.5% of basic salary. Federal government: Employee contributes 5%, employer 15%, and the government may add a further 2.5% top-up. Contributions are calculated on basic salary only — not allowances.
Pension entitlements
To qualify for a full pension, UAE nationals typically need 35 years of service (men) or 30 years (women). Early retirement is possible after 20 years of service for women and 25 for men, at a reduced pension rate. The monthly pension is a percentage of the final average basic salary.
Frequently asked questions
Do expats in UAE get a pension?+
No. Expatriates in the UAE do not participate in the GPSSA pension scheme. They receive gratuity (end-of-service benefit) instead when their employment contract ends, provided they have worked for at least one year.
What happens to pension if a UAE national moves abroad?+
GPSSA contributions made while working in the UAE remain credited. If the individual works in another GCC country, their pension contributions may be transferable under the GCC pension portability agreement.
Can UAE nationals contribute voluntarily beyond the standard rate?+
Some schemes allow voluntary additional contributions to boost retirement benefits. UAE nationals should check directly with GPSSA for the latest voluntary savings and top-up options.
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Pension Calculator
UAE Note
UAE nationals contribute 5% of basic salary; employers contribute 12.5% (private sector) or 15% (federal government). Expats do not participate in GPSSA.
Disclaimer: This result is an estimate for informational purposes only. Actual figures may vary based on individual circumstances, company policy, and applicable UAE law. Consult a qualified professional before making any financial or legal decisions.
Generated by UAE Tools Hub · uaetoolshub.com · 14 June 2026