Last updated: July 17, 2026 | Estimate only | Not legal advice
What a final settlement may include
A UAE final settlement may include more than gratuity. Employees often also review unpaid salary, unused leave salary, notice-period amounts, reimbursements, loans, advances, and deductions.
Use this page as a line-by-line review checklist. The smart move is boring: compare each amount against documents, dates, and written HR explanations. Exciting math is usually where money goes to hide.
How to estimate the gratuity line
The simple gratuity estimate starts with basic salary, not total package. Divide basic salary by 30 to estimate a daily basic wage, then multiply by eligible gratuity days.
- Less than 1 year: commonly estimated as no gratuity.
- 1 to 5 years: commonly 21 days of basic salary per completed year.
- Over 5 years: commonly 21 days per year for the first 5 years, then 30 days per additional year.
- Total gratuity is generally limited and special cases can change the result.
Example final-settlement review
Suppose HR shows AED 18,000 gratuity, AED 4,500 unpaid salary, AED 2,000 unused leave salary, and AED 1,200 in deductions. Review each line separately: the gratuity line depends on basic salary and service dates, unpaid salary depends on payroll records, leave salary depends on leave balance, and deductions should have a written explanation.
Build a line-by-line review
Do not reduce the settlement to one total too early. Put each line into a separate row, add the record behind it, and mark whether the amount is clear, unclear, or disputed before signing.
Use the final-settlement deductions checklist for deduction lines and the leave salary calculator checklist for unused annual leave lines.
Documents to compare
- Employment contract and any salary amendment.
- Salary certificate showing basic salary separately from allowances.
- Payslips and unpaid salary period.
- Leave balance or HR leave statement.
- Resignation, termination, notice-period, and last working day records.
- Loan, advance, equipment, or deduction breakdowns.
Official source checks
Source links checked July 17, 2026. Before treating an estimate as reliable, compare it with current official guidance and the documents behind the employer's calculation. Start with the UAE Government end-of-service benefits page and MoHRE worker-rights guidance.
If the employer's final settlement differs from your estimate, ask for the basic salary used, the service dates, unpaid-leave adjustments, leave balance, deduction basis, and the written final-settlement breakdown. Do not rely on a single calculator number if the case involves a dispute, unusual contract, free-zone rule, or alternative end-of-service scheme.
Before relying on the number
Check your employment contract, basic salary, unpaid leave, free-zone rules, final settlement details, and current UAE labour guidance. This website provides estimates only and is not legal advice.
FAQ
What can be included in a UAE final settlement?
A final settlement can include gratuity, unpaid salary, unused leave salary, notice-period amounts, reimbursements, loans, advances, and other listed deductions.
Should I check basic salary or total salary?
For a simple gratuity estimate, start with basic salary. Total salary may still matter for other settlement items, so compare each line separately.
Which final-settlement lines should I check separately?
Check gratuity, unpaid salary, unused leave salary, notice-period amounts, reimbursements, loans, advances, and other deductions as separate lines with their own evidence.
Which official sources should I check?
Check the current UAE Government end-of-service benefits page and MoHRE worker-rights guidance, then compare the employer calculation with your contract, basic salary records, service dates, leave balance, and written deduction details.
Is this final settlement calculator legal advice?
No. It is an educational estimate and checklist. For disputes, unusual contracts, free-zone issues, or formal action, check official guidance or speak to a qualified professional.
Use the free UAE gratuity calculator or review final-settlement deductions.