Updated 2026 · UAE · Saudi · Qatar · Oman · Kuwait · Bahrain
Gulf Gratuity Calculator: UAE, Saudi & GCC End of Service
Pick your country and enter your salary and dates — get your exact end-of-service benefit under the latest labour law, including how resignation changes it, with the rupee value for sending home.
Use your basic salary — not gross. Allowances are excluded.
Your end-of-service gratuity
AED 55,007
≈ ₹14.14 lakh · for 7 years 0 months of service
How this is worked out
What United Arab Emirates law says
21 days' basic pay per year for the first 5 years, 30 days' per year after; on the last basic salary; minimum 1 year of service; total capped at 2 years' basic wage. Resignation no longer reduces it under the 2022 law.
Federal Decree-Law No. 33 of 2021 (Arts. 51 & 53), in force since 2 Feb 2022.
Estimate based on each country's labour law as of 2026-06-22, on your last drawn salary, with fractional years paid pro-rata. Actual gratuity can differ for unpaid leave, dismissal for misconduct, fixed-term contract terms or company policies that pay more. Gulf currencies are USD-pegged; the rupee value uses an editable rate. This is general information, not legal advice — confirm with your employer or a labour lawyer before relying on it.
Your gratuity is the biggest cheque you'll get in the Gulf
For the millions of expats working across the GCC, the end-of-service gratuity is often the single largest payment of an entire posting — and the one most people miscalculate. Every Gulf country guarantees it by law, but the rules differ in ways that quietly change the number by tens of thousands: whether it's figured on basic pay or full wage, how many days you earn per year, what happens if you resign rather than get terminated, and whether there's a cap. This calculator encodes each country's current labour law so you see the right figure for where you actually work, not a generic estimate.
Basic vs full wage — the mistake that costs lakhs
The most common error is using your gross salary. In the UAE, Qatar, Oman and Bahrain, gratuity is calculated on your basic salary only — housing, transport and other allowances are excluded, and in a typical Gulf package basic is just 50–60% of the total, so using gross can overstate your gratuity by nearly double. Saudi Arabia and Kuwait are the opposite: they use your full wage including allowances. The tool asks for the correct figure for your country and tells you which one it wants, so you're never guessing.
Resignation changes everything in Saudi and Kuwait
Whether you resigned or were let go used to matter across the Gulf, but the rules have converged in most places. In the UAE, Qatar, Oman and Bahrain, resigning no longer cuts your gratuity once you've completed a year. In Saudi Arabia and Kuwait, it still does, and steeply: a Saudi employee who resigns gets nothing under two years and only a third up to five years, while a Kuwaiti resignation pays nothing under three years and half up to five. Termination by the employer pays the full amount everywhere. The toggle in the tool shows both outcomes so you can time a move.
The reforms most calculators haven't caught up to
Two countries changed their systems recently and many online tools still use the old maths. Omanmoved to one full month of basic pay per year for service from mid-2023 (with older service still under the 15-then-30-day rule), and a new expat savings system arrives in 2027. Bahrainreplaced the employer-paid lump sum with monthly contributions to the Social Insurance Organisation from March 2024, though the total you receive is broadly the same 15-then-30 days a year. This calculator reflects both changes, so the figure matches what you'll actually be paid.
Worked example: 7 years in Dubai
Setup: Suresh worked in the UAE for exactly 7 years on a basic salary of AED 10,000 a month, and his contract ended.
First five years. 21 days of basic pay per year × 5 = 105 days. His daily wage is AED 10,000 ÷ 30 = AED 333. So the first five years are worth 105 × 333 = AED 35,000.
Years six and seven. 30 days per year × 2 = 60 days × AED 333 = AED 20,000.
Total gratuity: AED 35,000 + AED 20,000 = AED 55,000 — about ₹14.1 lakhat AED 1 = ₹25.7. Well under the two-year cap (AED 240,000), so he gets it in full, and because the UAE no longer penalises resignation, he'd receive the same amount even if he'd quit.
Frequently asked questions
How is end-of-service gratuity calculated in the UAE?
Under the UAE's Federal Decree-Law No. 33 of 2021, you earn 21 days of your basic salary for each of the first five years of service, and 30 days of basic salary for each year after that. It's based on your last basic salary (not gross — allowances are excluded), the daily wage is your basic divided by 30, and the total is capped at two years' basic wage. You need at least one year of continuous service to qualify. Since the 2022 law, resigning no longer reduces your gratuity — you get the same as if you were terminated.
Do I still get gratuity if I resign?
It depends on the country. In the UAE, Qatar, Oman and Bahrain, resigning does not reduce your gratuity once you've completed the minimum service. In Saudi Arabia and Kuwait, resignation does reduce it on a sliding scale: in Saudi you get nothing under 2 years, one-third for 2–5 years, two-thirds for 5–10 years, and the full amount at 10+ years; in Kuwait you get nothing under 3 years, half for 3–5 years, two-thirds for 5–10 years, and the full amount at 10+ years. Termination by the employer pays the full award everywhere. Switch the 'how your job ended' toggle to see the difference.
Is gratuity calculated on basic salary or gross salary?
In most of the Gulf it's your basic salary only — the UAE, Qatar, Oman and Bahrain all exclude housing, transport and other allowances. Saudi Arabia and Kuwait are the exceptions: they calculate on your full wage including allowances. This is the single biggest mistake people make — using gross pay in a country that only counts basic inflates the result. The calculator asks for the correct figure for whichever country you pick.
What is the minimum service to get gratuity, and is it 5 years?
There's a common myth that you need five years. You don't. In the UAE, Qatar, Oman and Bahrain you qualify after just one year of continuous service, and the amount is then paid pro-rata for every year and part-year. The 'five years' figure people remember is only the point where the rate steps up (from 21 to 30 days a year in the UAE, for example) — not a cliff you have to cross to get anything. Saudi and Kuwait have no one-year floor for termination, but resignation has its own minimums.
How do the Gulf countries differ in gratuity?
The headline rates differ. The UAE and Qatar pay about 21 days a year (Qatar for all years; the UAE rising to 30 days after five years). Saudi pays half a month per year for five years then a full month, on full wage. Kuwait pays 15 days then a full month (on a 26-day month) with an 18-month cap. Oman pays a full month per year for service since mid-2023. Bahrain pays 15 days then a month, now funded through monthly SIO contributions since March 2024. Pick your country above and the tool applies its exact rule.
When must my gratuity be paid after leaving?
Most Gulf labour laws require the employer to settle all end-of-service dues, including gratuity, within 14 days of your last working day. In Bahrain, gratuity accrued since 1 March 2024 is paid by the Social Insurance Organisation rather than directly by the employer. If payment is delayed, you can file a complaint with the labour ministry (for example MoHRE in the UAE or HRSD in Saudi Arabia). Keep your contract and final payslip, since the calculation depends on your last basic salary and exact dates.
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