Salary transfer · WPS. Pay period · June 2026

Basic salaryThe legal lineiThe figure written in your MOHRE contract. Gratuity, unused-leave payout and overtime are all computed on this line only. –

Housing allowanceAllowance –

Transport allowanceAllowance –

Other allowancesAllowanceiAllowances are cash in hand today, but they carry zero end-of-service value and don't count for overtime or leave encashment. –

Gross monthly package –

Illustrative allowance split; legally, what counts is the basic figure registered with MOHRE and paid through WPS.

What this split does to you · live

Gratuity after 5 yearsiMainland formula under Decree-Law 33 of 2021: 21 days of basic wage per year for the first 5 years, then 30 days per year, capped at 2 years' wage.

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21 days of basic per year

Gratuity after 10 years

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21 days ×5 yrs, then 30 days ×5 yrs

Max personal loan (CBUAE cap)iCBUAE caps personal loans at 20 times monthly income. Banks count your total verified salary, not just basic, then apply the 50% debt-burden rule.

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20× total verified monthly salary

Unused leave day, cashed outiUnused leave is encashed at end of service on basic wage only: basic ÷ 30 per day. Allowances don't count.

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basic ÷ 30 per day

Overtime hour (day rate ×1.25)iHourly base is basic ÷ 30 ÷ 8. Daytime overtime pays ×1.25; night and rest-day overtime pays ×1.5.

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base = basic ÷ 30 ÷ 8

One day of unpaid leave costsiAn unpaid day is deducted at full package ÷ 30 and doesn't count toward gratuity service.

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full package ÷ 30

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01The killer insight

Same package. Same job. Very different gratuity.iBoth bars use your package from the tool above. One contract sets basic at 60%, the other at 40%; the monthly bank transfer is identical, but gratuity drifts apart year after year.

60% basic 40% basic Gap you give up

Gap after 10 years

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gratuity you'd forfeit at 40% basic

Gap after 20 years

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before the 2-year-wage cap

Gap as months of pay

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of your full package, at 20 years

Sources. Rules as of July 2026. Gratuity, leave and overtime: Federal Decree-Law No. 33 of 2021 (UAE Labour Law, Articles 29 and 51) and Cabinet Resolution No. 1 of 2022. Personal-loan cap and 50% debt-burden ratio: CBUAE Regulations No. 29/2011 regarding bank loans to individuals. GPSSA pension for UAE nationals: Federal Decree-Law 57 of 2023 (joined after 31 October 2023) and Law 7 of 1999 (earlier joiners). Wages must be registered with MOHRE and paid through the Wage Protection System (WPS). DIFC and ADGM operate separate end-of-service regimes.

Educational tool only, not financial, legal or tax advice. Figures and rules as of July 2026, modelling UAE mainland private-sector contracts under Federal Decree-Law 33 of 2021; DIFC, ADGM and government contracts differ. Gratuity, pension and lending outcomes depend on your exact contract, service history and provider; verify with MOHRE, GPSSA, your bank or a licensed advisor before acting.

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Same package. Same job. Very different gratuity.iBoth bars use your package from the tool above. One contract sets basic at 60%, the other at 40%; the monthly bank transfer is identical, but gratuity drifts apart year after year.

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