What are the statutory monthly employer contribution rates?

5.83% of basic salary for employees with less than 5 years of service, and 8.33% of basic salary for employees with 5 or more years of service.

Can employees make voluntary personal contributions to the fund?

Yes, employees can voluntarily contribute up to 25% of their total salary to invest in Sharia-compliant, conservative, balanced, or growth investment options.

United Arab EmiratesUpdated for 2026Finance

UAE Alternative End-of-Service Savings Scheme Calculator 2026

Calculate statutory employer monthly contributions (5.83% for <5 yrs, 8.33% for 5+ yrs), voluntary employee contributions, and compound investment growth in authorized SCA funds.

End-of-Service Saving Schemes Pensions & Superannuation End of Service Gratuity

Calculated Result

Estimated Total Savings Pot & Returns

81,872.7AED

Calculator Inputs

Basic Monthly Salary (AED)

AED

Quick select:

Service Length Category

Employee Voluntary Monthly Contribution (AED)

AED

Quick select:

Savings Horizon (Years)

yrs

Quick select:

Estimated Total Savings Pot & Returns

81,872.7AED

Employer Monthly Contribution

699.6 AED/mo

Projected Investment Gains

9,896.7 AED

Total Principal Invested

71,976 AED

Employers contribute 5.83% of monthly basic salary for the first 5 years and 8.33% thereafter into licensed investment funds under Cabinet Resolution 96/2023.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: قرار مجلس الوزراء رقم 96 لسنة 2023 بشأن النظام الاختياري البديل لمكافأة نهاية الخدمة (صناديق الادخار والاستثمار التراكمي)Last Verified: 2026-09-04

Calculation Methodology

Monthly Deposit = Basic Salary * (5.83% or 8.33%) + Employee Voluntary Addition; Cumulative Total = Total Deposits + Projected Investment Returns.

Frequently Asked Questions

An optional scheme replacing traditional lump-sum gratuity where employers deposit monthly percentages into SCA-accredited investment funds for employees.