United Arab Emirates · AED · Pension guide
Build an AED retirement budget from pensions you are actually entitled to and savings available to you. Treat an end-of-service lump sum separately from recurring income.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in AED, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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The UAE Government distinguishes expatriate end-of-service benefits from pension arrangements and explains separate treatment for GCC employees. A residency or employment status alone cannot supply a pension amount. Confirm the scheme applying to you and leave unconfirmed income at zero.
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An end-of-service amount is capital, not a monthly benefit. Its amount and availability depend on the applicable employment arrangement. This tool does not calculate gratuity or savings-scheme entitlements; use a scenario starting when a confirmed lump sum is received.
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If retirement spending will be in AED but a pension is paid abroad, prepare a consistent conversion first. Exchange-rate risk, overseas tax, visas and residency conditions are not modelled. If spending will occur elsewhere, consider using that country's currency instead.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.