United Arab Emirates · AED · Pension guide
United Arab Emirates retirement calculator
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.
Jump to calculator ↓ Understand the pension system
What can this calculator estimate?
It 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
Compare invented scenarios. Amounts are not forecasts or entitlement calculations.
View results ↓Worked example. Change the inputs to explore your plan.
From age 65 to 66 · 12 modelled months · AED
12-month retirement spending estimate
AED 136,008
After tax · today's money
- Income you entered
- + AED 0
- From savings or pension pot
- + AED 136,008
A level budget through age 95 under your assumptions. It can use up savings and leaves no inheritance reserve. Review each year; this is not a guaranteed spending amount.
See the 12-month breakdown
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
| Month | Income you entered | From savings or pension pot | Spending budget | Savings left |
|---|---|---|---|---|
| 1 | AED 0 | AED 11,334 | AED 11,334 | AED 3,083,676 |
| 2 | AED 0 | AED 11,334 | AED 11,334 | AED 3,077,336 |
| 3 | AED 0 | AED 11,334 | AED 11,334 | AED 3,070,986 |
| 4 | AED 0 | AED 11,334 | AED 11,334 | AED 3,064,625 |
| 5 | AED 0 | AED 11,334 | AED 11,334 | AED 3,058,254 |
| 6 | AED 0 | AED 11,334 | AED 11,334 | AED 3,051,873 |
| 7 | AED 0 | AED 11,334 | AED 11,334 | AED 3,045,482 |
| 8 | AED 0 | AED 11,334 | AED 11,334 | AED 3,039,080 |
| 9 | AED 0 | AED 11,334 | AED 11,334 | AED 3,032,667 |
| 10 | AED 0 | AED 11,334 | AED 11,334 | AED 3,026,245 |
| 11 | AED 0 | AED 11,334 | AED 11,334 | AED 3,019,812 |
| 12 | AED 0 | AED 11,334 | AED 11,334 | AED 3,013,368 |
Savings left after 12 months: AED 3,013,368
How this budget is calculated ↗The projection below follows your entered spending or withdrawal plan; this budget is a separate estimate.
Accessible savings at retirement · 65
AED 3,090,006
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 87.8. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | AED 42,000 | AED 27,827 | AED 0 | AED 0 | AED 0 | AED 1,469,827 |
| 47 | Saving | AED 42,000 | AED 29,196 | AED 0 | AED 0 | AED 0 | AED 1,541,023 |
| 48 | Saving | AED 42,000 | AED 30,592 | AED 0 | AED 0 | AED 0 | AED 1,613,616 |
| 49 | Saving | AED 42,000 | AED 32,016 | AED 0 | AED 0 | AED 0 | AED 1,687,631 |
| 50 | Saving | AED 42,000 | AED 33,467 | AED 0 | AED 0 | AED 0 | AED 1,763,098 |
| 51 | Saving | AED 42,000 | AED 34,947 | AED 0 | AED 0 | AED 0 | AED 1,840,045 |
| 52 | Saving | AED 42,000 | AED 36,455 | AED 0 | AED 0 | AED 0 | AED 1,918,500 |
| 53 | Saving | AED 42,000 | AED 37,994 | AED 0 | AED 0 | AED 0 | AED 1,998,494 |
| 54 | Saving | AED 42,000 | AED 39,562 | AED 0 | AED 0 | AED 0 | AED 2,080,056 |
| 55 | Saving | AED 42,000 | AED 41,162 | AED 0 | AED 0 | AED 0 | AED 2,163,218 |
| 56 | Saving | AED 42,000 | AED 42,792 | AED 0 | AED 0 | AED 0 | AED 2,248,010 |
| 57 | Saving | AED 42,000 | AED 44,455 | AED 0 | AED 0 | AED 0 | AED 2,334,465 |
| 58 | Saving | AED 42,000 | AED 46,150 | AED 0 | AED 0 | AED 0 | AED 2,422,615 |
| 59 | Saving | AED 42,000 | AED 47,878 | AED 0 | AED 0 | AED 0 | AED 2,512,493 |
| 60 | Saving | AED 42,000 | AED 49,641 | AED 0 | AED 0 | AED 0 | AED 2,604,134 |
| 61 | Saving | AED 42,000 | AED 51,438 | AED 0 | AED 0 | AED 0 | AED 2,697,572 |
| 62 | Saving | AED 42,000 | AED 53,270 | AED 0 | AED 0 | AED 0 | AED 2,792,841 |
| 63 | Saving | AED 42,000 | AED 55,138 | AED 0 | AED 0 | AED 0 | AED 2,889,979 |
| 64 | Saving | AED 42,000 | AED 57,042 | AED 0 | AED 0 | AED 0 | AED 2,989,021 |
| 65 | Saving | AED 42,000 | AED 58,984 | AED 0 | AED 0 | AED 0 | AED 3,090,006 |
| 66 | Retirement | AED 0 | AED 59,084 | AED 0 | AED 168,000 | AED 0 | AED 2,981,090 |
| 67 | Retirement | AED 0 | AED 56,948 | AED 0 | AED 168,000 | AED 0 | AED 2,870,038 |
| 68 | Retirement | AED 0 | AED 54,771 | AED 0 | AED 168,000 | AED 0 | AED 2,756,808 |
| 69 | Retirement | AED 0 | AED 52,551 | AED 0 | AED 168,000 | AED 0 | AED 2,641,359 |
| 70 | Retirement | AED 0 | AED 50,287 | AED 0 | AED 168,000 | AED 0 | AED 2,523,646 |
| 71 | Retirement | AED 0 | AED 47,979 | AED 0 | AED 168,000 | AED 0 | AED 2,403,625 |
| 72 | Retirement | AED 0 | AED 45,625 | AED 0 | AED 168,000 | AED 0 | AED 2,281,250 |
| 73 | Retirement | AED 0 | AED 43,226 | AED 0 | AED 168,000 | AED 0 | AED 2,156,476 |
| 74 | Retirement | AED 0 | AED 40,779 | AED 0 | AED 168,000 | AED 0 | AED 2,029,255 |
| 75 | Retirement | AED 0 | AED 38,285 | AED 0 | AED 168,000 | AED 0 | AED 1,899,540 |
| 76 | Retirement | AED 0 | AED 35,741 | AED 0 | AED 168,000 | AED 0 | AED 1,767,281 |
| 77 | Retirement | AED 0 | AED 33,148 | AED 0 | AED 168,000 | AED 0 | AED 1,632,429 |
| 78 | Retirement | AED 0 | AED 30,504 | AED 0 | AED 168,000 | AED 0 | AED 1,494,933 |
| 79 | Retirement | AED 0 | AED 27,808 | AED 0 | AED 168,000 | AED 0 | AED 1,354,741 |
| 80 | Retirement | AED 0 | AED 25,059 | AED 0 | AED 168,000 | AED 0 | AED 1,211,800 |
| 81 | Retirement | AED 0 | AED 22,256 | AED 0 | AED 168,000 | AED 0 | AED 1,066,057 |
| 82 | Retirement | AED 0 | AED 19,399 | AED 0 | AED 168,000 | AED 0 | AED 917,455 |
| 83 | Retirement | AED 0 | AED 16,485 | AED 0 | AED 168,000 | AED 0 | AED 765,940 |
| 84 | Retirement | AED 0 | AED 13,514 | AED 0 | AED 168,000 | AED 0 | AED 611,454 |
| 85 | Retirement | AED 0 | AED 10,485 | AED 0 | AED 168,000 | AED 0 | AED 453,939 |
| 86 | Retirement | AED 0 | AED 7,396 | AED 0 | AED 168,000 | AED 0 | AED 293,335 |
| 87 | Retirement | AED 0 | AED 4,247 | AED 0 | AED 168,000 | AED 0 | AED 129,582 |
| 88 | Retirement | AED 0 | AED 1,089 | AED 0 | AED 130,671 | AED 37,329 | AED 0 |
| 89 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 90 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 91 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 92 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 93 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 94 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
| 95 | Retirement | AED 0 | AED 0 | AED 0 | AED 0 | AED 168,000 | AED 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
Accessible savings before an overseas pension
Our worked example separates the years before an entered pension begins from the years after it starts. Every amount and age is invented. It is a calculation illustration, not a typical pension, an entitlement estimate or a recommended retirement age. An overseas pension input must already be converted to AED. No live exchange rate or eligibility is implied.
Read the full exampleUnderstand the pension system
United Arab Emirates
Common questions
Does this calculate end-of-service gratuity?
No. Obtain the applicable calculation separately. This version models available capital and recurring income, not a future lump-sum event.
Which money can I count as savings?
Include only capital you can draw on for this plan, after allowing for access restrictions and taxes outside the model. Exclude property you will not sell and assets already used to fund an entered pension payment. Future lump sums are not modelled.
Do pension payments keep pace with inflation?
The illustration holds payments constant in today's purchasing power. Your actual pension may have different increases, caps or no indexation. Test a lower real payment as a separate scenario if needed; this tool does not forecast those rules.
Are my financial inputs stored?
Your figures are calculated in your browser. They are not uploaded or saved in the address bar. Only public, invented example identifiers appear in example links. CSV exports are created on your device.
Methodology · 1.0
Methodology
12-month retirement spending estimate
Already retired? Set the stop-work age equal to your current age to estimate the next 12 months. Otherwise the estimate starts at your chosen retirement age.
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
How this budget is calculated ↗
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
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.