UAE GPSSA Contribution Calculator 2026

GPSSA Contribution Rates

The General Pension and Social Security Authority (GPSSA) collects monthly contributions from UAE nationals. Your rates depend on when you first joined the workforce.

Joined on or after 31 October 2023 (Federal Decree-Law No. 57 of 2023):
Employee: 11% of the contribution account salary
Employer: 15% (in the private sector, the government pays 2.5% of this when the salary is under AED 20,000)
Total: 26% per month
Source: UAE Government portal (u.ae), Pensions and social security for UAE citizens.

Registered before 31 October 2023 (Federal Law No. 7 of 1999):
Employee: 5% of the contribution salary
Employer: 15%, of which the government bears 2.5% in the private sector, so a private employer pays 12.5%

Private-sector contribution salary limits: AED 1,000 to 50,000 a month under Law 7/1999 and AED 3,000 to 70,000 under Decree-Law 57/2023. The calculator applies the limits of the cohort you select.

Important: GPSSA contributions apply to UAE nationals only. Expatriate employees are not enrolled in GPSSA and do not make these contributions. Instead, expats are entitled to end-of-service gratuity upon leaving employment.

Example, private sector, salary AED 15,000, joined after 31 Oct 2023:
Employee contribution: AED 1,650/month (11%)
Employer contribution: AED 1,875/month (12.5%)
Government support: AED 375/month (2.5%)
Total: AED 3,900/month (26%)

Same salary, registered before 31 Oct 2023: employee AED 750 (5%), employer AED 1,875 (12.5%) and government AED 375 (2.5%), AED 3,000/month (20%).

2026 updates

Nafis (August 2026): from September 2026, private-sector employers pay their full share of pension contributions for Emiratis in the Ishtirak programme instead of the earlier phased support; Nafis now focuses its support on employees' own contributions (Gulf News, 6 August 2026).
Part-time work (August 2026): GPSSA has begun extending pension coverage to Emiratis working part time (8 to 32 hours a week) in the public and private sectors, with service and benefits calculated in proportion to hours worked (Gulf News, quoting GPSSA, 21 August 2026).