UAE DEWS contribution planner
Estimate DIFC DEWS employer contributions from basic salary and service band, while keeping returns, fees and alternative-plan details outside the calculation.
Calculate your estimate
Contribution and scenario planner only; applicable jurisdiction, qualifying scheme, investment fund, returns, fees, tax and final benefit require current plan and authority confirmation
On supported formula tools, valid inputs refresh the estimate automatically. Use Calculate estimate to review it again.
Saved estimates stay only in this browser on this device. Nothing is sent to Gulf Expat Tools. Save up to five named estimates per tool.
Saved estimate history
Load or remove up to five recent estimates stored only in this browser.
Scope of this calculator
Scope in
- DEWS and MOHRE savings-scheme contribution scenarios for DIFC and mainland employees.
- Salary, scheme type and contribution rate you enter.
Scope out
- Investment returns and fund performance.
- Traditional gratuity calculations for non-scheme employers.
Worked example
Example only: AED 15,000 basic salary with 5.83 percent monthly employer contribution over 3 years shows indicative contributions before any returns.
How this calculator works
For the supported DIFC DEWS contribution scenario, monthly employer contribution = eligible basic salary × 5.83% for service below five years, or × 8.33% for five years or more. Planning total = monthly employer contribution × selected months + any voluntary monthly amount entered × selected months. No investment return is assumed.
Official Sources & Legal References
Official sources used for this page
This tool is maintained against the referenced authority. Rules can change, so check the source and the page review date before acting.
Common questions
Short answers for using this tool responsibly.
Is the DEWS rate always 5.83 percent?
Published rates differ by service length band and scheme. Confirm against the official source cited on this page before you act.
Do employee voluntary contributions count?
They can be added but sit outside the employer core obligation. Confirm against the official source cited on this page before you act.
Does DEWS replace gratuity?
For enrolled DIFC employees the scheme replaces the end-of-service accrual from enrolment. Confirm against the official source cited on this page before you act.
Are investment returns guaranteed?
No, values depend on fund performance. Confirm against the official source cited on this page before you act.