Last updated: July 22, 2026 | Educational checklist | Not legal advice
What to check
A final settlement can include more than gratuity. Employees should compare gratuity, unpaid salary, unused leave salary, notice pay, loans, advances, and any listed deductions before signing.
The UAE Government's private-sector end-of-service benefits page explains the common gratuity bands and notes that the calculation is based on basic salary rather than allowances. Use official pages as a source check, but treat disputes or unusual contracts as a reason to get official or qualified advice.
Line-item checklist
- Basic salary used for gratuity.
- Joining date, last working day, and total service period.
- Unpaid salary through the last working day.
- Unused leave salary or leave deductions.
- Notice-period pay, shortfall, or recovery.
- Loans, advances, equipment, visa-cost claims, or other deductions.
- Written explanation for each deduction and the contract clause or record used.
Download deductions worksheet
Use the worksheet to copy each employer line item, add your own evidence, and mark whether the amount is clear, unclear, or disputed before asking HR for clarification.
Download final settlement deductions worksheet
Match Each Deduction to Evidence
Do not review deductions as one combined number. Put each line beside the document that supports it: contract clause, payroll record, leave record, loan or advance agreement, asset handover note, written policy, or written employer explanation.
If one line cannot be matched to a document, mark it as unclear before escalating. Use the salary certificate checklist for basic-salary evidence and the unpaid gratuity evidence checklist when the issue becomes non-payment or delayed payment.
Ask for the basis in writing
If a deduction is unclear, ask HR to point to the document, contract clause, payroll record, loan agreement, leave record, or final-settlement line used for that amount. A written basis makes it easier to compare the employer figure with your own records before escalating.
If the disputed amount is unpaid or delayed, also use the unpaid gratuity evidence checklist to organize dates, salary evidence, and written follow-up.
Useful official pages
Source links checked July 22, 2026. Check the UAE Government end-of-service benefits page and, if a private-sector labour claim needs escalation, the MOHRE Register Labour Complaints service.
Compare with your own estimate
Use the UAE gratuity calculator and the final settlement calculator guide as a first-pass check, then ask HR for clarification on differences.
FAQ
What deductions should I review in a UAE final settlement?
Review the basic salary used for gratuity, service dates, unpaid salary, unused leave salary, notice-period pay, loans, advances, equipment deductions, and any written explanation for deductions.
Which records help check final-settlement deductions?
Useful records include the employment contract, salary certificate or payslips, WPS records where available, leave balance, resignation or termination notice, last working day, loan or advance agreements, and the employer final-settlement breakdown.
How should I organize deduction evidence before escalating?
Put each deduction beside the document, contract clause, payroll record, leave record, loan agreement, or written employer explanation that supports it, then mark unclear lines separately before using official channels or qualified advice.
What should I ask HR to explain in writing?
Ask HR to identify the document, contract clause, payroll record, loan agreement, leave record, or final-settlement line used for each deduction so the calculation basis is clear.
Is this final-settlement deductions checklist legal advice?
No. It is an educational checklist for organizing documents and comparing estimates. For disputes, unusual contracts, or unclear deductions, use official channels or qualified professional advice.