🇦🇪 UAE/Dubai Salary Calculator
Calculate Net Salary with All Deductions & Allowances
No Income Tax • 100% Tax-Free Salaries
Income Breakdown
Basic Salary:
AED 0.00
Total Allowances:
AED 0.00
Overtime Pay:
AED 0.00
Bonus & Gratuity:
AED 0.00
Gross Salary:
AED 0.00
Deductions & Contributions
Personal Income Tax:
AED 0.00 (Tax-Free)
Social Security (GPSSA):
AED 0.00
Unemployment Insurance:
AED 0.00
Other Deductions:
AED 0.00
Total Deductions:
AED 0.00
🎯 NET MONTHLY SALARY:
AED 0.00
Annual Breakdown
Annual Gross Salary:
AED 0.00
Annual Net Salary:
AED 0.00
UAE Salary Calculator Guide
The UAE offers one of the most attractive salary packages globally with zero personal income tax. This calculator helps you determine your net salary after all mandatory and optional deductions.
🎉 UAE Tax Advantage: The United Arab Emirates does not impose personal income tax on salaries for residents of all nationalities. This means you take home 100% of your salary, with only mandatory social contributions and optional deductions applied.
How to Use This Calculator
- Select Employment Type: Choose between Expatriate, UAE National, or GCC National (affects social security contributions)
- Enter Your Basic Salary: Your fixed monthly or annual salary
- Add Allowances: Housing, transport, medical, and other allowances
- Include Overtime: Hours worked beyond regular hours with applicable multipliers
- Add Deductions: Health insurance, loans, voluntary contributions, or other deductions
- Calculate: Click the button to see your complete salary breakdown
Key Components Explained
Basic Salary
Your fixed monthly salary excluding all allowances and benefits.
Allowances
Additional compensation components including:
- Housing Allowance: Fixed monthly housing benefit
- Transport Allowance: Vehicle or commute allowance
- Medical Allowance: Health insurance contribution
- Communication Allowance: Mobile/phone allowance
- Other Allowances: Any additional fixed benefits
Overtime Calculation
Extra hours worked beyond regular working hours:
- Regular Overtime (1x): Standard additional hours
- Night/Weekend (1.5x): Nights and weekends
- Holiday (2x): Public holidays and special occasions
Overtime Pay = Hourly Rate × Hours × Multiplier
Deductions & Contributions
Personal Income Tax
0% - The UAE has no personal income tax. All salaries are completely tax-free.
Social Security (GPSSA)
Only applies to UAE and GCC nationals:
- UAE/GCC Nationals: 5% deduction from gross salary (employer typically pays additional 5%)
- Expatriates: No social security deductions
GPSSA Contribution = Gross Salary × 5% (For UAE/GCC Nationals Only)
Unemployment Insurance
All employees must contribute to unemployment insurance:
- Earning AED 16,000 or less: AED 5 per month
- Earning more than AED 16,000: 0.5% of gross salary (capped at AED 80/month)
Gross vs. Net Salary
Gross Salary = Basic Salary + Allowances + Overtime + Bonuses
Net Salary = Gross Salary - All Deductions
Note: Since UAE has no personal income tax, your primary deductions are social security contributions, unemployment insurance, and optional deductions like health insurance or loans.
UAE Salary Structure Information
| Component | Details | Applies To |
|---|---|---|
| Personal Income Tax | 0% - Tax-Free Salary | All Residents |
| Social Security (GPSSA) | 5% Employee + 5% Employer | UAE/GCC Nationals Only |
| Unemployment Insurance | AED 5/month or 0.5% of salary (max AED 80) | All Employees |
| Health Insurance | Employer Mandatory, Employee Optional | All Employees |
| Overtime Rate (Regular) | 1x hourly rate | Applicable Employees |
| Overtime Rate (Night/Weekend) | 1.5x hourly rate | Applicable Employees |
| Overtime Rate (Holiday) | 2x hourly rate | Applicable Employees |
| End of Service Benefit | 0.5-1 month salary per year | Eligible Employees |
Employment Type Impact on Salary
UAE Nationals
- Subject to 5% GPSSA pension deduction
- Eligible for various government benefits
- May have different gratuity calculations
- Entitled to full public holiday benefits
GCC Nationals
- Subject to 5% GPSSA pension deduction (in most cases)
- Similar benefits to UAE nationals in many emirates
- May have specific regulations per emirate
Expatriates
- No personal income tax - 100% salary take-home
- No mandatory social security contributions
- Subject to unemployment insurance (AED 5/month or 0.5%)
- Eligible for overtime and bonuses
- Entitled to end-of-service gratuity
Frequently Asked Questions
Is there income tax on salaries in the UAE?
No. The UAE does not impose personal income tax on salaries for residents of all nationalities. All employees take home 100% of their salary with no income tax deductions.
What are the mandatory deductions from my salary in the UAE?
The main mandatory deductions are: (1) Unemployment insurance (AED 5/month for salaries ≤ AED 16,000, or 0.5% for higher), and (2) Social Security (GPSSA) 5% - but only for UAE and GCC nationals. Expatriates typically only have unemployment insurance.
What is the difference between basic salary and gross salary?
Basic salary is your fixed monthly payment. Gross salary includes basic salary plus all allowances, overtime, bonuses, and gratuity. It's the total income before any deductions.
How is overtime calculated in the UAE?
Overtime is calculated by multiplying the hourly rate by the number of hours worked, then by the applicable multiplier: Regular (1x), Night/Weekend (1.5x), or Holiday (2x). The hourly rate is usually basic salary ÷ 30 days ÷ 8 hours.
What does GPSSA stand for and who pays it?
GPSSA (General Pension and Social Security Authority) is the pension scheme for UAE and GCC nationals. Employees contribute 5%, and employers typically contribute an additional 5%. Expatriates are generally not required to contribute to GPSSA.
Am I eligible for end-of-service gratuity?
Yes, if you have completed at least one year of continuous service. The gratuity is typically: 0.5 months' salary for each year for the first 5 years, and 1 month' salary for each year thereafter (maximum 2 years). Gratuity is usually tax-free in the UAE.
How do holiday bonuses work in the UAE?
Holiday work is typically compensated at double the regular hourly rate (2x multiplier). Public holidays in the UAE include Eid Al-Fitr, Eid Al-Adha, Arafat Day, Islamic New Year, Prophet's Birthday, and UAE National Day.
Can I receive salary in other currencies?
While this calculator uses AED, many employers in the UAE allow salary payment in other currencies at the current exchange rate. The choice depends on your agreement with your employer. Banks typically offer favorable rates for currency transfers.
What is the difference between salary in Dubai and other emirates?
While basic salary structures are similar across all UAE emirates, there may be minor differences in emirate-specific regulations, benefits, and mandatory contributions. Dubai and Abu Dhabi may have slightly different employer mandates for health insurance and other benefits.
Is my salary calculation accurate for DIFC employees?
DIFC (Dubai International Financial Centre) employees may have different tax implications and may be subject to DEWS (DIFC Employment Savings Scheme). Please verify with your HR department or the DIFC authorities for specific DIFC employment taxation rules.
Official UAE Government Sources & References
All salary information sourced from official UAE government agencies and trusted financial authorities:
🏛️ UAE.ae - Official UAE Government Taxation Portal 📊 UAE Ministry of Economy - Employment Regulations 💼 Ministry of Human Resources & Emiratization (MOHRE) 📝 General Authority of Civil Aviation - UAE Labor Laws 🔄 Tax Department of Abu Dhabi - Taxation Info ✅ GPSSA - General Pension and Social Security Authority