# GPSSA pension contribution calculator

> For UAE nationals in the private sector covered by the federal GPSSA scheme, pension contributions total 26% of the contribution account salary: 11% deducted from the employee, 12.5% paid by the employer and 2.5% by the government. Emirate-level funds (for example in Abu Dhabi) use their own rates.

Interactive calculator: https://www.countify.ae/tools/gpssa-pension-calculator · Updated 2026-10-14 · Countify UAE

## Monthly pension contributions (federal rates)

11% employee, 12.5% employer, 2.5% government.

| Salary | Deducted from the employee | Paid by the employer | Total monthly contribution |
| --- | --- | --- | --- |
| AED 10,000 | AED 1,100.00 | AED 1,250.00 | AED 2,600.00 |
| AED 20,000 | AED 2,200.00 | AED 2,500.00 | AED 5,200.00 |
| AED 80,000 | AED 7,700.00 | AED 8,750.00 | AED 18,200.00 |

Contributions are due by the 15th of the following month.

## Registering and paying

Register Emirati employees with the pension authority within one month of joining, and pay contributions monthly by the 15th of the following month. Late payment carries penalties. The salary range used for contributions is capped; check the current minimum and maximum with the GPSSA.

## Legal basis

- Federal Decree-Law No. 57 of 2023 on pensions and social security (https://gpssa.gov.ae)

## Frequently asked questions

### What are the GPSSA contribution rates?

Under Federal Law No. 57 of 2023: employee 11%, employer 12.5%, government 2.5% for private sector employees.

### Do expatriates pay GPSSA contributions?

No. The scheme covers UAE nationals (and GCC nationals under their home schemes).