UAE 2026 • AED

UAE Salary & Take-Home Pay Calculator

Work out your monthly and yearly take-home pay in AED. Includes allowances, overtime, GPSSA pension for UAE nationals, ILOE insurance, unpaid leave, gratuity and the total cost to the employer.

0% personal income taxGPSSA pensionOvertime as per labour lawGratuity accrualOne-page payslip PDF

1Employee profile

Used for gratuity / DEWS
Max 8 hours per day under the labour law

2Monthly salary package

3Overtime & leave

4Deductions

Advanced: pension & employer cost rates (auto-filled, editable)
Visa cost spread over 24 months
Monthly take-home pay
AED 0.00
Click “Calculate take-home”
Gross monthly earningsAED 0.00
Total deductionsAED 0.00
Income taxAED 0 (0%)
Monthly cost to employerAED 0.00
ItemMonthlyAnnual

UAE salary rules this calculator follows

No personal income tax

The UAE does not tax employment income. Corporate tax under Federal Decree-Law No. 47 of 2022 applies to businesses, not to salaries.

GPSSA pension (nationals)

Insured from 31 Oct 2023 (Law 57/2023): 11% from the employee and 15% from the employer. In the private sector the government pays 2.5% of the employer share when the salary is under AED 20,000. Insured before that date (Law 7/1999): 5% from the employee, 12.5% from the employer and 2.5% from the government. Expatriates do not pay into GPSSA.

ILOE insurance

Federal Decree-Law No. 13 of 2022: AED 5 a month if basic salary is AED 16,000 or less, and AED 10 a month if it is higher, plus 5% VAT.

Overtime

Federal Decree-Law No. 33 of 2021: overtime pays the hourly basic wage plus 25%. Hours between 10pm and 4am, and work on a rest day, pay plus 50%.

End-of-service gratuity

21 days of basic salary for each of the first 5 years and 30 days for each year after, capped at 2 years’ salary. In the DIFC, DEWS replaces gratuity at 5.83% or 8.33% of basic salary.

Wage protection (WPS)

Mainland salaries must be paid through WPS. Deductions from wages generally cannot exceed 50% of the wage.

Disclaimer: This calculator gives estimates based on UAE rules in force in 2026. Pension rates for ADPF and GCC schemes depend on the relevant authority, so check them before use. Your employment contract and company policy may change the result. This is not legal or tax advice.

Salary & Take-Home Statement

The Business Explore • UAE salary calculator (AED)

Pay period:
Generated:
Net take-home / month
Gross / month
Deductions / month
Annual take-home

Employee details

Name:
Scheme:
Location:
Years of service:
Hourly basic rate:
Income tax: 0%

Earnings

ItemMonthlyAnnual

Deductions

ItemMonthlyAnnual
NET TAKE-HOME PAY

Employer cost (not deducted from salary)

ItemMonthlyAnnual
Basis: No personal income tax in the UAE. GPSSA rates follow Law 57/2023 (11% employee) or Law 7/1999 (5% employee). ILOE is AED 5 or 10 a month plus VAT (Decree-Law 13/2022). Overtime is paid at +25% or +50% (Decree-Law 33/2021). These figures are estimates and are not legal or tax advice.
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Prepared with The Business Explore UAE salary & take-home calculator • All amounts in UAE Dirham (AED)

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