UAE take-home pay calculator 2026

Calculated with 2026 rules for a single, full-time employee whose salary is their only income.

Income tax rates in the UAE 2026

UAE does not tax employees' salaries in 2026. The only possible deduction is a social insurance or pension contribution, which can differ between nationals and expats.

Social insurance rates

Worked example

An expat employee earning 15,000 UAE dirhams a month, 180,000 a year:

• There is no income tax on salaries in the UAE.
• Expat employees pay no pension contribution and are entitled to an end-of-service gratuity from the employer.
• Unemployment insurance (ILOE) is mandatory: 5 dirhams a month plus VAT if the basic salary is 16,000 dirhams or less, and 10 dirhams above that. We used your gross salary to pick the category. Investors, domestic workers, people on temporary contracts, those under 18 and retirees who work are exempt.

Key tax facts about the UAE

Income tax on salary

None, for nationals and residents

Pensions for nationals (old law)

5% employee, 12.5% employer and 2.5% government

Pensions for nationals (new law since 31 October 2023)

11% employee and 15% employer, capped at 70,000 dirhams a month

Pensions for expats

No contribution

Unemployment insurance

5 or 10 dirhams a month plus VAT, mandatory

End-of-service gratuity for expats

21 days' basic pay for each of the first 5 years, then 30 days, capped at two years' pay

VAT

5%

Corporate tax

0% on profit up to 375,000 dirhams, 9% above that, and a 15% minimum for large multinational groups since 2025

Tax authority

Federal Tax Authority (FTA)

Tax guide to the UAE Living in the UAE in figures Tax authority and filing deadline End-of-service gratuity in the UAE

Compare the UAE with other countries

Official sources

Every figure in this calculator comes from these sources, last checked on 2 October 2026. The GPSSA, legislation portal and MOHRE websites blocked direct access from outside the country, so the pension rates and the text of Article 51 were checked from excerpts of their official pages in the search index and from the official portal u.ae, not from opening the full page. The 375,000 dirham threshold is confirmed by a secondary source only (it is set by Cabinet decision). The government 2.5% share under the new law and the 50,000 cap under the old law need further confirmation. We do not calculate the Abu Dhabi Pension Fund.

1. The Official Portal of the UAE Government: pensions and social security for UAE citizens (26%: 11% insured and 15% employer, the 70,000 cap, and the 31 October 2023 date) Official source · checked 2 October 2026
2. GPSSA: distribution of contributions (5%, 12.5% and 2.5% under Law No. 7 of 1999) and the contribution account salary limits (3,000 to 70,000) Official source · checked 2 October 2026
3. Ministry of Human Resources and Emiratisation (MOHRE): Federal Decree-Law No. 33 of 2021 Regarding the Regulation of Employment Relationship and its amendments (Article 51) Official source · checked 2 October 2026
4. Involuntary Loss of Employment (ILOE) insurance scheme: categories and premiums Official source · checked 2 October 2026
5. Ministry of Finance: Federal Decree-Law No. 47 of 2022 and its amendments, Article 3 (0%, 9%, and 15% for multinational groups) Official source · checked 2 October 2026
6. Ministry of Finance: Domestic Minimum Top-up Tax, in force for financial years starting from 1 January 2025 Official source · checked 2 October 2026
7. PwC Worldwide Tax Summaries: the 375,000 dirham threshold for the 0% rate (secondary source, used as a cross-check) Secondary source used to cross-check · checked 2 October 2026

Results are estimates for information only. Your actual pay can differ with your contract, exemptions and family situation. How we calculate.