Max pensionable: AED 50,000/month
Estimated Monthly Pension
AED 12,000
Estimated Annual Pension
AED 144,000
Pensionable Salary
AED 30,000
Who is eligible for GPSSA?
GPSSA covers UAE nationals and GCC nationals working in the private and public sectors. Expatriates are not covered but receive end-of-service gratuity instead. Registration is mandatory for eligible employees from their first day of employment.
What are the contribution rates?
For legacy federal private-sector members, the employee contributes 5%, the employer contributes 12.5%, and government support adds 2.5%, with a pensionable salary cap of AED 50,000. For eligible first-time federal members covered by Law 57 of 2023, the employee contributes 11% and the employer contributes 15%, with a pensionable salary cap of AED 70,000. Separate emirate-specific public pension schemes are not modeled here.
When can I access my pension?
Full pension eligibility requires 30 years of service. Early retirement is possible at age 49 with 20+ years of service (with reduced pension). The pension is calculated based on the average of the last 3 years' salary, up to 80% of the pensionable salary.
Note: This calculator provides estimates only. Contact GPSSA directly for official pension calculations and eligibility details.
How the General Pension and Social Security Authority works for UAE and GCC nationals
What is the GPSSA?
The GPSSA (General Pension and Social Security Authority) runs the pension system for UAE nationals working in the private sector and some GCC nationals. It provides retirement pensions, disability benefits, and death-in-service payments. Expats are not covered by the GPSSA and instead receive end-of-service gratuity.
How much are the GPSSA contributions?
Total contributions are 20% of the employee's gross salary (basic salary plus allowances subject to a cap). The employee pays 5%, the employer pays 12.5%, and the government contributes 2.5%. For example, on a salary of AED 30,000, the employee pays AED 1,500, the employer pays AED 3,750, and the government adds AED 750.
Is there a cap on pensionable salary?
Yes. The GPSSA sets a maximum salary on which contributions are calculated. As of 2025, this cap is AED 70,000 per month. If you earn more than this, contributions are still calculated on AED 70,000. This means the maximum employee contribution is AED 3,500 per month (5% of AED 70,000).
When can I claim my GPSSA pension?
UAE nationals can claim a full pension after 20 years of contributory service for men or 15 years for women, once they reach the retirement age of 55 for men and 50 for women. Early retirement is possible after 20 years of contributions regardless of age, but the pension amount may be reduced.
How is the pension amount calculated?
The pension is based on your average salary over your last 5 years of contributions. You get 2.67% of this average for each year of service, up to a maximum of 80% of your final average salary. For example, if your average salary for the last 5 years was AED 25,000 and you worked for 25 years, your pension would be AED 16,688 per month (25 x 2.67% x AED 25,000).
What happens if I leave employment before qualifying for a pension?
If you leave before completing the minimum contributory period, you may receive a lump-sum payment based on your contributions. Alternatively, you can keep your contributions on record and resume them if you return to insured employment in the UAE. The GPSSA allows you to buy back previous service periods in some cases.
Are GCC nationals covered by the GPSSA?
Yes. Under the GCC Social Insurance Agreement, nationals of Bahrain, Kuwait, Oman, Qatar, and Saudi Arabia working in the UAE are covered by the GPSSA on similar terms to UAE nationals. Their contributions are coordinated between the two countries so that service in one country counts towards the pension in their home country.
FTA-Aligned: Based on 2025 FTA rates and regulations. For personal advice, speak to a qualified tax consultant.
Disclaimer: This calculator provides estimates based on current UAE Federal Tax Authority rates and MOHRE labour law provisions. It does not constitute professional tax, financial, or legal advice. Your actual entitlements may differ depending on your individual circumstances, employment contract, and applicable free zone regulations. Always consult a qualified adviser before making financial decisions. Read our terms