UAE GPSSA Pension Calculator 2026
For UAE nationals — calculate your monthly retirement pension
How is the GPSSA pension calculated?
The General Pension and Social Security Authority (GPSSA) pays retirement pensions to UAE nationals under one of two laws, depending on when you first entered the workforce: Federal Law No. 7 of 1999 if you were insured before 31 October 2023, and Federal Decree-Law No. 57 of 2023 if you first joined on or after that date. Choose your law in the calculator and it applies the matching formula.
| Item | Federal Law 7/1999 | Federal Decree-Law 57/2023 |
|---|---|---|
| Pension rate | 60% for 15 years, plus 2% per further year (Art. 20) | 2.67% per year up to 30 years, then 4% per year (Art. 19) |
| Maximum | 100% at 35 years | 100% at 35 years |
| Pension-calculation salary | Average of the last 3 years (government) or last 5 years (private) | Average of the last 6 years |
| Private-sector contribution salary | AED 1,000 to 50,000 | AED 3,000 to 70,000 |
| Minimum pension | Not applied by this calculator | AED 10,000 a month |
| Years above 35 | Three months of salary per year, paid once | Three months of salary per year, paid once |
Worked examples
Law 7/1999: private-sector employee, average contribution salary AED 20,000 over the last
five years, 20 years of contribution:
Rate = 60% + (5 × 2%) = 70%
Pension = 20,000 × 70% = AED 14,000 a month
Decree-Law 57/2023: average contribution salary AED 25,000 over the last six years,
30 years of contribution:
Rate = 30 × 2.67% = 80.1%
Pension = 25,000 × 80.1% = AED 20,025 a month
Minimum under the new law: an average of AED 10,000 with 30 years gives AED 8,010 by the formula, so the pension is raised to AED 10,000.
When is a pension payable?
The calculator works out the amount; whether it is payable depends on how service ends. Under Article 16 of Law 7/1999 a pension is due on reaching retirement age with at least 15 years of contribution. On resignation, item 7 of the article requires 20 years of contribution and age 55 (20 years and age 50 for women); the closing paragraph of the same article refers to age 50 for resigning members, so confirm the age that applies to you with GPSSA. Under Decree-Law 57/2023, leaving at your own request before 60 requires 30 years of contribution and age 55.
Scope
This calculator covers the retirement pension for UAE nationals insured with GPSSA. Disability and death pensions, survivors' shares and purchased or merged service are assessed by GPSSA from your file. Abu Dhabi government employees belong to the Abu Dhabi Pension Fund, which uses a different formula. Expatriates are not covered by GPSSA and receive an end-of-service gratuity instead.
Source: Federal Law No. 7 of 1999 (Arts. 16 and 20) and Federal Decree-Law No. 57 of 2023 (Arts. 18 and 19) as published on uaelegislation.gov.ae.
This tool provides estimates only and is not legal advice. Contact GPSSA for official figures.