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UAE Take-Home Salary Calculator

Gross to net, incl. insurance premium โ€” based on current UAE rules. Adjust the inputs and press Calculate.

Housing, transport and any other fixed monthly allowances combined.
Result

Fill in the form and press Calculate to see your result here.

How UAE take-home salary is calculated

The UAE does not levy personal income tax, so your take-home pay is close to your gross salary. The two deductions this calculator accounts for are:

1. Unemployment Insurance Scheme (mandatory, since 2023)

All employees in the private and federal government sectors (with some exemptions) must pay a monthly premium: AED 5/month if their basic + allowances total AED 16,000 or less (Category A), or AED 10/month above that (Category B).

2. GPSSA pension contribution (UAE/GCC nationals only)

UAE and GCC national employees contribute to the General Pension and Social Security Authority scheme; expatriate employees do not have a mandatory pension deduction (employers instead provide end-of-service gratuity โ€” see our Gratuity Calculator).

Frequently asked questions

Do expatriates pay income tax in the UAE?

No. The UAE does not apply personal income tax to salaries for residents of any nationality.

What is the Unemployment Insurance Scheme?

A mandatory federal insurance scheme (effective 2023) that pays a portion of salary for a limited period if an insured employee loses their job. Nearly all employees must be enrolled and pay a small monthly premium.

Why doesn't this calculator deduct pension for expatriates?

Expatriate employees in the UAE are not part of the mandatory GPSSA pension scheme โ€” instead, employers provide an end-of-service gratuity payment. UAE/GCC nationals are enrolled in GPSSA and contribute a percentage of basic salary, which this calculator applies when selected.

โš ๏ธ This calculator gives an estimate for general information only and is not legal, tax or financial advice. Rules can change โ€” confirm important figures with the relevant UAE authority or a licensed professional. See our full disclaimer.