Updated based on 2026 laws/rates — always verify with the official authority.
UAE - Social Insurance
Estimated calculator and practical guide for social insurance in Kuwait, Saudi Arabia and UAE. Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
Manual rate override: This content is practical guidance; always review your contract and the official authority in a dispute.
Social Insurance Calculator
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
For GCC nationals working in another GCC state, the extension protection system applies the employee’s home-country rates and caps, while respecting the employer-share limit in the country of work and adding occupational hazard cover where applicable.
Estimated result
Employee share-
Employer share-
Government support-
Employee-borne extension difference-
Host-country occupational hazards-
Total-
Approx. net-
Employer cost-
Social Insurance
| Who is covered? | UAE pension/social security mainly applies to UAE nationals and certain GCC nationals under applicable rules; non-GCC expatriates usually rely on end-of-service gratuity rather than UAE pension contributions. |
|---|---|
| What wage is subject to contributions? | The contribution account salary may differ from gross salary and must be checked against GPSSA or local authority rules. |
| Employee share | The simplified UAE national model uses 11% employee share. |
| Employer share | The simplified model uses 15% employer share, with possible government support or different handling in certain private-sector cases. |
| Maximum cap | Caps and rules vary by law/sector; check GPSSA or the relevant local pension authority. |
| Difference between social insurance and end-of-service | Social insurance is a monthly contribution for pension/social protection, while end-of-service is an employment termination settlement and may apply to workers not covered by pension schemes. |
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. This calculator is an estimate and the official authority should always be checked.
Report an outdated rate or cap
If you notice that a rate or cap has changed, flag it before relying on the result.
Report an outdated rate or cap
If you notice that a rate or cap has changed, flag it before relying on the result.
Report an outdated rate or cap
Insurance Academy
Learn how social insurance is calculated step-by-step with worked examples for Kuwait, Saudi Arabia, UAE and GCC extension protection cases.
Learn calculation