What GPSSA pension or gratuity would you get?
For Emiratis first insured on or after 31 October 2023. A pension at 60 with 15 years, or at 55 with 30 years. Otherwise an end of service gratuity.
What is the rule?
- Pension: 2.67% of your average salary for the last six years for each year up to 30, then 4% a year, at most 100%. At least AED 10,000 a month.
- Each year beyond 35 adds a one-off reward of three months' salary.
- Gratuity if no pension is due: 1.5 months' salary a year for five years, 2 months for the next five, 3 months after, with at least one year.
- Contributions: you pay 11% and your employer 15%. Private sector salary counts between AED 3,000 and AED 70,000, government up to AED 100,000.
- This tool does not cover death, disability, the reduced conditions for mothers, or anyone under the 1999 law.
| Average salary, years, age | Result |
|---|---|
| AED 20,000, 15 years, age 60 | Pension of AED 10,000 a month (40.05%) |
| AED 40,000, 30 years, age 55 | Pension of AED 32,040 a month (80.1%) |
| AED 40,000, 35 years, age 60 | Pension of AED 40,000 a month (100%) |
| AED 20,000, 8 years, age 40 | Gratuity of AED 270,000 |
The full rules are in the GPSSA pension and end of service for Emiratis.
Sources
- Federal Decree-Law No. (57) of 2023 Concerning Pensions and Social SecurityUAE Legislation. Applies to Emiratis first insured on or after 31 October 2023. Articles 1, 4, 5, 13, 18, 19 and 26. Read 12 November 2026.
- GPSSA reviews the most prominent features of Federal Law No. (57) of 2023General Pension and Social Security Authority. Page last updated 26 October 2026. Read 12 November 2026.