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.
Reviewed by Countify's ACCA/FCCA chartered certified accountants · Updated
Usually basic salary plus housing and other allowances in the contract.
- Salary used (AED 3,000–70,000)
- AED 20,000.00
- Deducted from the employee
- AED 2,200.00
- Paid by the employer
- AED 2,500.00
- Paid by the government
- AED 500.00
- Total monthly contribution
- AED 5,200.00
Defaults are the federal GPSSA rates for UAE nationals in the private sector (Federal Law No. 57 of 2023). Abu Dhabi, Sharjah and Dubai nationals may be covered by their emirate's fund with different rates; edit the percentages. GCC nationals follow their home country's scheme.
Results are estimates for general information, not tailored advice.
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
We review this calculator whenever the FTA or Ministry of Finance issues a new decision or clarification.
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).
Payroll and WPS services
We run monthly WPS payroll, track leave and gratuity, and prepare final settlements correctly, so HR questions do not become labour complaints.