For covered full-time beneficiaries, employer basic subscriptions are generally 5.83% of monthly basic salary for service below five years and 8.33% after five years. Other covered work patterns can use a working-hours ratio. Contributions should be reviewed separately from investment returns and traditional gratuity accrued before enrolment.
Expected employer basic subscriptions and comparison with a statement
What it cannot determineInvestment returns, fund value and pre-enrolment gratuity
Enter the facts you can verify.
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This checks employer basic subscriptions only. It does not predict investment returns, current fund value, voluntary employee contributions or whether every month was legally in scope.
Formula used
Expected basic subscriptions = monthly basic salary × applicable subscription rate × covered months × working-hours ratio. If basic salary changes, calculate separate periods instead of applying one salary retrospectively.
Assumptions to verify
- The employee was actually enrolled in the federal Savings Scheme for the entered months.
- The basic salary entered applies to the full period being calculated, or separate runs are made for salary changes.
- The working-hours ratio matches the covered employment arrangement.
What this result does not prove
- Investment returns, fund fees or current account value.
- Traditional gratuity accrued before Savings Scheme enrolment.
- Voluntary employee contributions and separate pension or jurisdiction-specific schemes.
Contributions and account value are not the same number
The calculator estimates employer basic subscriptions. A real scheme statement can also contain investment gains or losses, fees and other account movements. A contribution gap should therefore be checked against transaction history rather than inferred only from the current fund balance.
Keep pre-enrolment traditional gratuity separate
When an employee moves into the Savings Scheme, the earlier employment period can create a separate traditional-gratuity issue. Do not blend that historical entitlement into later monthly scheme contributions or assume the fund balance replaces every pre-enrolment amount.
Example: salary changed during enrolment
If basic salary was AED 8,000 for six covered months and AED 10,000 for the next six, calculate the two periods separately. Using AED 10,000 for all 12 months would overstate expected contributions for the earlier period.
What to compare with the employer or scheme statement
- Enrolment effective date.
- Monthly basic salary by period.
- Applicable 5.83% or 8.33% band.
- Working-hours ratio for non-full-time covered arrangements.
- Actual contribution transaction dates and amounts.
For the broader distinction between traditional gratuity and the alternative system, read the Federal Savings Scheme guide.
Official sources
The links below are the primary references used for the rule or service described on this page. Check the live version before relying on a result.
Check the current official text, your contract, actual dates and records. Where facts are disputed, use the relevant authority or a qualified UAE professional.
Review official sourcesReconcile expected subscriptions with the fund and payroll records