Tools · Interactive

Decode your UAE payslip:
basic vs total salary.

Enter your package, drag the basic salary slider, and watch your gratuity, loan cap, leave pay and pension react live.

Your package

Rebuild your payslip

I am
30%50–60% typical80%
Salary transfer · WPS.Pay period · June 2026
Basic salaryThe legal lineiThe figure written in your MOHRE contract. Gratuity, unused-leave payout and overtime are all computed on this line only.AED 12,000
Housing allowanceAllowanceAED 4,800
Transport allowanceAllowanceAED 1,200
Other allowancesAllowanceiAllowances are cash in hand today, but they carry zero end-of-service value and don't count for overtime or leave encashment.AED 2,000
Gross monthly packageAED 20,000

Illustrative allowance split; legally, what counts is the basic figure registered with MOHRE and paid through WPS.

What this split does to you · live
Gratuity after 5 yearsiMainland formula under Decree-Law 33 of 2021: 21 days of basic wage per year for the first 5 years, then 30 days per year, capped at 2 years' wage.
AED 42,000
21 days of basic per year
Gratuity after 10 years
AED 102,000
21 days ×5 yrs, then 30 days ×5 yrs
Max personal loan (CBUAE cap)iCBUAE caps personal loans at 20 times monthly income. Banks count your total verified salary, not just basic, then apply the 50% debt-burden rule.
AED 400,000
20× total verified monthly salary
Unused leave day, cashed outiUnused leave is encashed at end of service on basic wage only: basic ÷ 30 per day. Allowances don't count.
AED 400
basic ÷ 30 per day
Overtime hour (day rate ×1.25)iHourly base is basic ÷ 30 ÷ 8. Daytime overtime pays ×1.25; night and rest-day overtime pays ×1.5.
AED 62.50
base = basic ÷ 30 ÷ 8
One day of unpaid leave costsiAn unpaid day is deducted at full package ÷ 30 and doesn't count toward gratuity service.
− AED 666.67
full package ÷ 30

Read: At 60% basic you're at or above the typical 50–60% range: each year of service banks AED 8,400 of gratuity.

01The killer insight

Same package. Same job. Very different gratuity.iBoth bars use your package from the tool above. One contract sets basic at 60%, the other at 40%; the monthly bank transfer is identical, but gratuity drifts apart year after year.

60% basic40% basicGap you give up
Gap after 10 years
AED 34,000
gratuity you'd forfeit at 40% basic
Gap after 20 years
AED 74,000
before the 2-year-wage cap
Gap as months of pay
3.7 months
of your full package, at 20 years

Sources. Rules as of July 2026. Gratuity, leave and overtime: Federal Decree-Law No. 33 of 2021 (UAE Labour Law, Articles 29 and 51) and Cabinet Resolution No. 1 of 2022. Personal-loan cap and 50% debt-burden ratio: CBUAE Regulations No. 29/2011 regarding bank loans to individuals. GPSSA pension for UAE nationals: Federal Decree-Law 57 of 2023 (joined after 31 October 2023) and Law 7 of 1999 (earlier joiners). Wages must be registered with MOHRE and paid through the Wage Protection System (WPS). DIFC and ADGM operate separate end-of-service regimes.

Educational tool only, not financial, legal or tax advice. Figures and rules as of July 2026, modelling UAE mainland private-sector contracts under Federal Decree-Law 33 of 2021; DIFC, ADGM and government contracts differ. Gratuity, pension and lending outcomes depend on your exact contract, service history and provider; verify with MOHRE, GPSSA, your bank or a licensed advisor before acting.

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Gratuity after 10 yearsAED 102,000
Max personal loanAED 400,000
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