Monthly GPSSA contributions for nationals, split employee and employer.
Total monthly contribution
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Employee (11%)
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Employer (15%)
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Annual total
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Worked example
Take a UAE national in the private sector with a contribution salary of AED 20,000 a month. That figure sits between the AED 3,000 floor and the AED 70,000 cap, so the full AED 20,000 is the contribution base. The employee share is 11% of the base, which is AED 2,200, and this is the amount withheld from the salary. The private-sector employer adds 15%, which is AED 3,000, on top. Together the total monthly contribution to GPSSA is AED 5,200, or AED 62,400 over a year. Only the employee portion reduces take-home pay; the employer portion is paid in addition to salary.
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How it is calculated
GPSSA contributions apply to UAE and GCC nationals in employment, not to expatriates. The contribution is a percentage of the contribution salary, which is the basic salary plus listed contributory allowances. Under the post-2023 federal scheme the total is about 26% of that base, split into an employee share of 11% and a private-sector employer share of 15%. Before the rates are applied, the base is bounded to a monthly floor of AED 3,000 and a cap of AED 70,000, so very low or very high salaries are pinned to those limits. The annual figure is simply the monthly total multiplied by twelve. Expatriate employees accrue end-of-service gratuity instead of a pension.