Your numbers

Start with your situation

Current age

Basic monthly salary (AED)iGratuity is calculated on your basic salary only, not allowances like housing or transport. Check your contract for the split.

Total monthly salary (AED)

Monthly spending today (AED)

Years you'll stay in the UAE 10 yrs

Retirement age 60

Expected inflationiInflation makes the same lifestyle cost more each year. The tool deflates your returns by this rate so every result stays in today's money. 2.5%

Retiring in a higher-inflation country? Try 5–8%.

Expected annual return 7.0%

Nominal, before inflation.

Everything below updates live, in today's money.

01The verdict

Your gratuity, measured in months of your life.

Your payout versus the roughly 25× annual spending a self-funded retirement needs.

Projected gratuity at exitiUAE mainland formula: 21 days of basic salary per year of service for the first 5 years, 30 days per year after that. The total is capped at 2 years' wage.

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mainland formula, capped

That covers justiYour projected gratuity divided by your current monthly spending: how long the lump sum would fund your lifestyle before running out.

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months of your current spending

What you'd need at retirementiThe 25x rule: a portfolio of about 25 times your annual spending supports withdrawing 4% a year, a common benchmark for a self-funded retirement.

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25× annual spending, today's money

The gap

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after investing your gratuity

What you need at retirement Gratuity, invested until retirement Gratuity, left in cash

How to read this

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Basic-salary trap: gratuity is computed on your basic salary only. –

02Close the gap

What waiting five years actually costs you.

Same goal, same returns; only the start date moves.

Invest monthly, starting nowiThe monthly amount that, compounding at your assumed return after inflation, grows to cover the gap by your retirement age.

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closes the gap by retirement

Starting in 5 years

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needed for the same goal

Cost of waiting

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extra per month, forever after

Years compounding works for you

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until retirement

Start investing now Same monthly amount, but start in 5 years What you need

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Where the numbers come from

Gratuity: Article 51 of Federal Decree-Law No. 33 of 2021 (UAE Labour Law) and its executive regulations, administered by MoHRE: 21 days of basic salary per year for the first five years of service, 30 days per year after that, capped at two years' wage; basic salary only, minimum one year of continuous service. Retirement target: the 25× rule, equivalent to a 4% safe withdrawal rate (Trinity Study research). State pension: GPSSA under Federal Decree-Law No. 57 of 2023 covers UAE and GCC nationals only. Alternative end-of-service Savings Scheme: Cabinet Resolution No. 96 of 2023. DIFC (DEWS) and ADGM run their own funded schemes; this tool models the mainland formula. Rules as of July 2026.

Educational tool only, not financial, legal or tax advice. Projections are simplified illustrations in today's money and assume a flat real basic salary; actual entitlements depend on your contract, employer and jurisdiction (mainland vs DIFC/ADGM). Figures and rules as of July 2026; verify with MoHRE, your free-zone authority or a licensed adviser before acting.

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