UAE salary calculator 2026: salary after tax

Figures for an expatriate employee whose basic salary is 60% and housing allowance 25% of pay, paying the ILOE premium. UAE nationals: see the pension table below or choose the option in the calculator.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

No. The UAE does not tax employment income: salary, allowances, bonuses and the end-of-service gratuity are paid without income tax, for Emiratis and expatriates alike. Corporate Tax, introduced in 2023, is a tax on businesses, and Cabinet Decision No. 49 of 2023 excludes wages from the business income on which an individual can be taxed. VAT applies to what you spend, not to what you earn.

What can come off your pay is therefore not tax but contributions, and who pays them depends on your nationality:

• Expatriates: no pension or social security contributions. The only regular cost is the ILOE premium, AED 60 or AED 120 a year depending on your basic salary.
• UAE nationals: pension contributions to the GPSSA or the Abu Dhabi Pension Fund, plus ILOE unless exempt.
• Other GCC nationals: pension contributions under their own country's scheme, at its rates, collected through the GCC extension.

Under Federal Law No. 57 of 2023, which covers Emiratis first insured from 31 October 2023, the contribution account salary is basic salary plus the housing, cost-of-living and social allowances, from AED 3,000 to AED 70,000 a month in the private sector (up to AED 100,000 in government). You pay 11% and your employer 15%; in the private sector the government pays 2.5% of the employer's share when the salary is under AED 20,000.

Emiratis insured before that date stay under Law No. 7 of 1999 and pay 5%. In the private sector that law counts the whole contractual salary, up to AED 50,000 a month; in government it counts basic salary plus housing and the cost-of-living and social allowances. Abu Dhabi has its own fund: members who joined from 1 December 2023 pay 11% and earlier members 5%, on a pensionable salary of up to AED 100,000 a month (private-sector minimum AED 6,000).

Instead of a pension, expatriates in the private sector build up an end-of-service gratuity that the employer pays when the job ends, worked out on the last basic salary. Nothing is deducted from your pay for it, so it does not change your monthly take-home pay, but it is why the split between basic salary and allowances matters.

Employees in the DIFC are covered by the DEWS savings plan instead, and the ADGM has its own employment regulations.

• UAE gratuity calculator: end-of-service pay under the 2021 Labour Law
• GOSI calculator: salary after deductions in Saudi Arabia

The UAE has no personal income tax, and Cabinet Decision No. 49 of 2023 excludes wages from the business income on which an individual can owe Corporate Tax.

Only UAE nationals contribute. Which law applies depends on when you were first insured and whether your employer is registered with the federal GPSSA or the Abu Dhabi Pension Fund.

If the contribution salary is below the minimum, contributions are due on the minimum; above the maximum, on the maximum. Senior Abu Dhabi officials have a higher AED 150,000 ceiling, not modelled.

Private sector, federal GPSSA, basic salary 60% and housing 25% of pay (the calculator defaults), no other pensionable allowances, with the ILOE premium.

In the private sector Law 7 counts the whole contractual salary (up to AED 50,000 a month) and Law 57 counts basic pay plus housing and the cost-of-living and social allowances (up to AED 70,000), so the two columns are not in a fixed ratio.

Compulsory for federal-government and private-sector employees, paid by the employee. Investors, domestic workers, temporary contracts, under-18s and Emirati retirees on a pension are exempt. Untick it in the calculator if you are exempt.

Tax year 2026 (1 January to 31 December 2026). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

• Salary after tax in other countries: every country calculator

Sources: Ministry of Finance: Cabinet Decision No. 49 of 2023 (wages not subject to Corporate Tax) (checked 2026-09-23); GPSSA: Features of Federal Law No. 57 of 2023 (checked 2026-09-23); GPSSA: The contribution account salary (checked 2026-09-23); GPSSA: FAQ (Law 7 of 1999 rates and salary limits) (checked 2026-09-23); Abu Dhabi Official Gazette, 1 December 2023: Law No. 18 of 2023 (Abu Dhabi pensions) (checked 2026-09-23); Dubai.ae: Involuntary Loss of Employment (ILOE) insurance (checked 2026-09-23)

1. Type your total salary (basic plus all allowances) per year or per month.
2. Choose your nationality. UAE nationals also pick their pension scheme (federal GPSSA or Abu Dhabi, and whether they were insured before or after the 2023 laws) and the sector.
3. Set how your pay splits: basic salary and housing allowance as a share of the total (for Emiratis, also cost-of-living and social allowances). The rest counts as transport and other allowances.
4. Read your net pay per year and per month, the pension and ILOE deductions, and in the notes your monthly basic, housing and allowances and the salary your pension is based on.