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Retirement Calculator for UAE

Use this calculator to understand how you can complement your EOS benefits to reach your retirement targets.

Employment information

My current age is and expected retirement age is .

I have years of service eligible for EOS benefit.

Defined Contribution Plan

I contribute and my employer contributes of my salary to a DC Fund.

Projection Assumptions

I expect annual investment returns in the future.

I expect annual salary increases in the future.

I will need times my annual salary at retirement.


  • End of Service Gratuity
    Based on Years of eligible service
  • DC Fund
    Current balance plus future contributions
  • Total at retirement
    × Final Annual Salary *
  • Lump sum Target
    × Final Annual Salary *
  • × Final Annual Salary *
  • *  Final Annual Salary: 

This Retirement calculator can be used to estimate both, your End of Service Gratuity benefit and how you can supplement this by making contributions to an Employee Savings Plan. You can then view these amounts individually and see your potential retirement value in total and get a better understanding of your Financial Future.
The DC fund estimates above are gross and do not allow for any fees that may be payable for any particular DC Fund.

- The Retirement Calculator estimates what your monthly savings would need to be to retire with your desired income, based on the accuracy and completeness of the information you enter and on certain assumptions. The results are intended for illustrative purposes only, and do not constitute, nor should they be relied upon as, financial advice.

- All projections are hypothetical, do not reflect actual investment outcomes, and are not guarantees of future results. Projection results may vary with each use and over time.

- This calculator should only be used as an estimate and cannot be relied upon to be an accurate representation of UAE Labour law, Title Seven ‘Termination of Employment Contract and End of service Gratuity, Chapter 2, ‘End of Service Gratuity’, Article 132 as amended by Federal Law No. 12, dated 29/10/1986.

IMPORTANT INFORMATION: The projections and other information you will see here about the likelihood of various outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The output of this calculator may vary with each use and over time. It does not take into effect the deduction of any fees or taxes. There is no guarantee that the rate of return selected can actually be achieved. Investments offering the potential for higher rates of return also involve a higher degree of risk.  All investing is subject to risk, including the possible loss of the money you invest.

Get in touch
Mark Roberts
Dubai, UAE