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🇦🇪 0% Personal Income Tax • UAE Labour Law 2026

Dubai & UAE Salary & Take-Home Calculator

Convert your AED job offer into INR/USD, project your UAE End-of-Service Gratuity, estimate Dubai living expenses (housing, DEWA, Metro), and compare with Indian tech CTCs.

🇦🇪 Enter Offer Details

AED
AED 12,000/mo

UAE Labour Law gratuity is calculated on Basic Salary. Standard contracts use 60%.

3 Years
100% Tax-Free In-Hand Salary
AED 20,000 / month
🛡️ 0% Income Tax
Annual: AED 240,000
🇮🇳 Monthly (INR)
₹4,53,000
Annual: ₹54.36 Lakhs
🇺🇸 Monthly (USD)
$5,446
Annual: $65,352
💰 Tax Saved vs India
₹13.50 Lakhs
~AED 59,613 saved/yr

🏙️ Dubai Living Expenses & Net Savings

Savings Rate: 39%
🏠 Rent / Flat
AED 6,500
⚡ DEWA + Wi-Fi
AED 1,100
🚗 Metro / Car
AED 1,200
🍽️ Food & Fun
AED 3,500
Estimated Net Cash Saved Every Month:
AED 7,700 (~₹1,74,405/mo)
Annual Wealth Accumulated:
₹20.93 Lakhs

💼 End of Service Gratuity (UAE Labour Law)

3 Years Service

Under Article 51 of UAE Labour Law, you receive 21 days basic pay/year (first 5 yrs) and 30 days/year thereafter when leaving your employer.

Projected Lump Sum Payout:
AED 25,200
Equivalent in INR:
₹5.71 Lakhs
🇦🇪 Relocate to Dubai

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Essential Guide to Relocating to Dubai & UAE

How does the Basic vs Allowance split work in UAE?

Most UAE employment contracts divide your total monthly package into Basic Salary (typically 60%) and Allowances (Housing & Transport, typically 40%). This distinction is crucial because your End of Service Gratuity is calculated exclusively on your Basic Salary, not your total gross package.

How much can an Indian tech engineer save in Dubai?

A single engineer earning 18,000 AED/month (~₹4.07 Lakh/mo) typically spends 5,500 AED on a private 1BHK in Silicon Oasis or JVC, 1,500 AED on food, and 1,000 AED on transport/utilities, leaving approximately 9,000 to 10,000 AED (~₹2.0L to ₹2.25L) in net monthly savings completely tax-free.

Looking for verified tech jobs in Dubai & Abu Dhabi?

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Dubai & UAE Salary Calculator 2026 - AED to INR, 0% Tax & Cost of Living | DecaJobs | DecaJobs Free Tools