UAE Pension Planning
Calculate your UAE pension benefits instantly – for both employees and employers.
You contribute 11% of salary under this law
Enter your current basic salary
Total years you've contributed to the pension scheme
Key Information:
- Law 2023 (New): You contribute 11%, employer 15% (26% total)
- Law 1999 (Old): You contribute 5%, employer 15% (20% total)
- Minimum guaranteed pension: AED 10,000/month
- Pension rate: 2.67% per year (first 30 years), then 4% per year
- Maximum pension: 100% of your salary
Employee contributes 11% under this law
⚠️ Compliance Requirements:
- Register employees within 30 days of employment
- Pay contributions by the 15th of each month
- Late payment penalty: AED 100 per employee per day + 0.1% of amount due per day
- Notify GPSSA within 15 days of employee termination
- Maximum fine for violations: up to AED 50,000 per employee
Contribution Breakdown:
- Employer contribution: Always 15% of salary (both laws)
- Law 2023: Employee 11% + Employer 15% = 26% total
- Law 1999: Employee 5% + Employer 15% = 20% total
- Government subsidy: 2.5% for private sector employees earning under AED 20,000
⚠️ Important Disclaimer
This calculator is provided for informational and educational purposes only. The calculations are estimates based on publicly available information about UAE pension laws as of February 2025. Actual pension amounts and contributions may vary based on individual circumstances, specific employment contracts, and regulatory updates.
This tool does not constitute financial, legal, or professional advice. For accurate calculations and official guidance, please consult with:
- The General Pension and Social Security Authority (GPSSA) - www.gpssa.gov.ae
- Abu Dhabi Pension Fund (ADPF) if applicable
- A qualified financial advisor or legal professional
The developer assumes no responsibility for any decisions made based on the results from this calculator.