Valusage Business Advisors

Illustrative decision tools

Use the inputs to frame a question and identify evidence gaps. Results are illustrative and do not determine a filing position, authority outcome or advisory conclusion.

Estimate UAE end-of-service gratuityCalculate break-even units and revenue
Control pathwayIllustrative
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  1. 01Facts
  2. 02Evidence
  3. 03Treatment
  4. 04Approval
A practical review sequence, not a promise of a regulatory or commercial outcome.

DIFC employment decision tool

DIFC employment savings contribution calculator

Estimate minimum employer Core Benefits from employment dates: 5.83% of monthly basic wage through the first five service years and 8.33% thereafter. The basic wage entered must be at least 50% of monthly wage.

Employment and wage facts

Inputs remain in this browser session and are not stored or sent to analytics. The estimate assumes one constant wage throughout the selected calculation period.

Illustrative employer Core Benefits

AED 37,778.40

Calculated across 36 calendar months, including date-based partial or transition-month treatment.

5.83% bracket
AED 37,778.40
8.33% bracket
AED 0.00
Review the evidence

Calculation steps and limits

  1. Validate that monthly basic wage is at least 50% of monthly wage.
  2. Derive the first-five-year and later-service brackets from the employment start date.
  3. For ordinary partial months, use annual basic wage divided by 365 as the daily basis.
  4. For the month containing the five-year anniversary, allocate days through the anniversary at 5.83% and the remaining days at 8.33%.

The tool assumes one constant monthly wage and basic wage throughout the selected period. If pay changed, calculate each constant-wage period separately and reconcile the monthly schedule. It excludes actual plan returns, fees, voluntary contributions, exempt employees and transferred amounts.

Pre-February 2020 accrued gratuity is separate

This result covers current Core Benefits only. Any gratuity accrued before the Qualifying Scheme commencement on 1 February 2020, and any later transfer amount, must be calculated and evidenced separately. The calculator does not combine that accrued gratuity with Core Benefits.

Official source and review date

Reviewed 6 September 2026 against the DIFC Employment Law, Article 66. Confirm the current consolidated law, wage history and scheme records before acting.

Frequently asked questions

What is the minimum DIFC Core Benefits contribution?

For a non-exempt employee, the DIFC Employment Law states at least 5.83% of monthly basic wage during the first five service years and 8.33% for each additional service year. Monthly basic wage must be at least 50% of monthly wage.

How does the calculator treat partial and transition months?

It derives service brackets from dates. Ordinary partial months use the Article 66 daily-rate rule; a month containing the five-year anniversary is split through the anniversary day at 5.83% and thereafter at 8.33%.

Does this estimate show the employee’s DEWS account value?

No. Account value depends on actual historic contributions, investment selection, fees, returns, transfers and withdrawals.

Does the calculator cover gratuity accrued before February 2020?

No. Pre-1 February 2020 accrued gratuity is separate from current Core Benefits and requires employment, wage, transfer and scheme records.