The GPSSA or Abu Dhabi pension share an Emirati employee pays from salary
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.Emirati employees pay into a pension from the first month of work. Under the 2023 federal law, for those first employed on or after 31 October 2023, the employee pays 11% of the contribution salary and the employer 15%; those insured earlier pay 5%. Abu Dhabi has its own fund, also 11% for new members. Enter your salary to see the deduction per month and year.
AED 213,540
AED 17,795 a month, over 12 monthsAn estimate of what the law deducts, not financial advice.
| Out of AED 240,000 | A year | A month | Share |
|---|---|---|---|
| Income taxThe UAE has no personal income tax on salary. | AED 0.00 | AED 0.00 | 0% |
| Pension contribution11% of a contribution salary of AED 20,000 a month (GPSSA, joined on or after 31 Oct 2023). | AED 26,400.00 | AED 2,200.00 | 11% |
| Unemployment insurance (ILOE)AED 5 a month for a basic salary of AED 16,000 or less. | AED 60.00 | AED 5.00 | 0% |
| Take-home pay | AED 213,540.00 | AED 17,795.00 | 89% |
2026 · Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
Enter your "Total salary a year" in AED; Nationality is already set to UAE national.
Pick your "Pension scheme": GPSSA joined on or after 31 Oct 2023, GPSSA insured earlier, or the Abu Dhabi Pension Fund.
Set "Contribution salary, share of gross" and the "Monthly cap on it" from your pension statement.
Open "Line by line" to read the pension contribution a year and a month, then press "Share result".
The United Arab Emirates does not tax salaries, for citizens or for foreigners. This calculator shows what does come out of a UAE salary by law, so the take-home figure can be compared honestly with other countries.
Expatriates. Nothing is deducted for tax or pension. Foreign employees are not members of the UAE pension schemes, and the end-of-service gratuity they earn is paid by the employer when they leave, not taken from their pay. The one cost the law puts on them is the Involuntary Loss of Employment (ILOE) insurance premium, mandatory since 1 January 2023 for private-sector and federal government employees: AED 5 a month for a basic salary of AED 16,000 or less and AED 10 a month above that.
UAE nationals. Emiratis also pay into a pension. Under Federal Decree-Law No. 57 of 2023, for those first employed on or after 31 October 2023, the employee pays 11% of the contribution salary and the employer 15%; people insured before that date stay under the 1999 law, with a 5% employee share. Abu Dhabi has its own pension fund, whose 2023 law also sets 11% for newly insured members. The contribution salary is basic pay plus housing and the other allowances the law lists, so the calculator lets you set the share of gross it covers and the monthly cap.
The rest of the article, and all 6 questions about UAE Salary Tax Calculator 2026, are on the UAE Salary Tax Calculator 2026 page.
No. The UAE charges no personal income tax on employment income in 2026, for UAE nationals or for expatriates. An expatriate earning AED 240,000 a year keeps AED 239,940 after the AED 60 unemployment insurance premium. Emiratis also pay a pension contribution, which the calculator shows when you pick UAE national.
No. The federal pension law and the Abu Dhabi pension law cover UAE nationals, and GCC nationals are covered under their home country schemes. Expatriates instead earn an end-of-service gratuity under the labour law, which the employer pays when the job ends, so nothing is deducted from their salary for it.
Emiratis first employed on or after 31 October 2023 pay 11% of their contribution salary under Federal Decree-Law No. 57 of 2023, and the employer pays 15%. Those insured before that date pay 5% under the 1999 law. Abu Dhabi Pension Fund members who joined under its 2023 law also pay 11%.
For UAE nationals, the salary on which pension contributions are worked out is the basic pay plus housing allowance and the other allowances the pension law lists, such as cost of living and social allowances. Payments outside that list do not count, which is why the calculator lets you lower the share of gross.
Rates and rules change; check the source before you rely on a figure.
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Same job, other tools: UAE Leave Encashment Calculator – Cash for unused annual leave when UAE service ends, paid on basic salary · Fatrat al-Indhar UAE (Notice Period) – فترة الإنذار في الإمارات: من 30 إلى 90 يوماً، وبدل الإنذار عن الأيام التي لم تُعمل · Taameen al-Taattul an al-Amal (UAE ILOE) – حاسبة تأمين التعطل عن العمل في الإمارات: القسط الشهري والتعويض 60% لمدة 3 أشهر · New York Income Tax Calculator – New York State take-home pay after federal and NY tax, paid family leave and FICA.
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