UAE Pension Calculator for Emiratis (GPSSA)
Enter your date of birth, first registration date, planned end of service and average salary; the calculator picks the law that applies and estimates your pension.
Estimate your pension
The two laws side by side
| Item | Law 7/1999 | Decree-Law 57/2023 |
|---|---|---|
| Applies to | Registered before 31 October 2023 | First registered from 31 October 2023 |
| Pension salary | Average of the last 5 years (private sector) | Average of the last 6 years |
| Rate | 60% for 15 years + 2% a year | 2.67% a year up to 30, then 4% |
| Maximum | 100% at 35 years | 100% at 35 years |
| By age | 60 with 15 years | 60 with 15 years |
| On resignation | 20 years and the specified age | 30 years and age 55 |
| Minimum pension | Not set for the private sector in the sources we reviewed | AED 10,000 |
| Employee contribution | 5% | 11% |
Examples:
New law, 30 years at 55, average AED 17,500: 80.1% × 17,500 = AED 14,017.50.
New law, 15 years at 60, average AED 18,000: 40.05% = 7,209, raised to AED 10,000.
Old law, 20 years, average AED 20,000 (joined before 2007 and aged 50): 70% = AED 14,000.
This is an estimate; GPSSA sets the official pension. Abu Dhabi nationals in the Abu Dhabi Pension Fund should use the Abu Dhabi pension calculator. Expats in the private sector should use the gratuity calculator. Prefer Arabic? Use the Arabic version.
Common cases
Frequently asked questions
How is the pension calculated under the new law 57/2023?
For those first registered from 31 October 2023: the pension salary is the average contribution salary of the last 6 years (72 months). The rate is 2.67% for each year up to 30 years (80.1%), then 4% for each year after that, up to 100%. The minimum pension is AED 10,000, with the government paying the difference.
When is the pension due under the new law?
On reaching 60 with at least 15 years of contributions, or on resignation after 30 years of contributions at age 55 or over, with no reduction. Mothers get a reduction in both conditions depending on the number of children.
How is the pension calculated under Law 7 of 1999?
For those registered before 31 October 2023: the average contribution salary of the last 5 years in the private sector, at 60% for 15 years plus 2% for each extra year, up to 100% at 35 years. A pension on resignation needs 20 years of contributions and the specified age.
How much is deducted from my salary for pension?
Under the new law, 11% from the Emirati employee and 15% from the employer, with the government covering 2.5% of the employer's share in the private sector for salaries under AED 20,000. Under the old law, 5% from the employee.
What if I resign before a pension is due?
An end-of-service gratuity is paid on the pension salary: 1.5 months' salary for each of the first five years, 2 months for each of the next five, and 3 months for each year after that, with at least one year of contributions.
Does it cover Abu Dhabi and Sharjah government employees?
No. Emiratis working for the Abu Dhabi government or in the private sector in Abu Dhabi fall under the Abu Dhabi Pension Fund, which has its own calculator, the Abu Dhabi pension calculator, and Sharjah government employees are under a separate system, each with different rules.
Sources
- Federal Decree-Law 57/2023 on pensions and social security (official translation)
- GPSSA — how the monthly pension is calculated
- Federal Law 7/1999 on pensions and social security (Arabic)
Figures and formulas on this page were last reviewed on 2026-11-03.