Clarvia is a financial management platform that uses AI to automatically categorize your expenses, help you create budgets, and track your investments. You can upload bank statement PDFs and Clarvia will parse and organize your transactions.

How do I add my transactions?

You can upload PDF bank statements directly to Clarvia. Our AI will extract and categorize your transactions automatically. You can also add transactions manually if preferred.

Is there a free plan?

Yes, Clarvia offers a free plan that includes AI-powered expense categorization, basic budgeting tools, and spending insights. No credit card required to sign up.

What currencies does Clarvia support?

Clarvia supports multiple currencies and can handle bank statements from various countries. Your transactions are converted to your preferred display currency for unified reporting.

How is gratuity calculated in UAE?

Gratuity is calculated based on your last drawn basic salary and your years of continuous service. For the first five years you receive 21 days’ basic salary for each year of service. After five years you receive 30 days’ basic salary for each additional year. The total cannot typically exceed two years’ salary.

Who is eligible for end of service benefits in UAE?

Generally any employee in the private sector who has completed at least one year of continuous service is eligible. Your contract type, how your job ended (resignation, termination, contract end) and any unpaid leave or misconduct may affect your eligibility.

What is the maximum gratuity an employee can receive in UAE?

Under typical rules the gratuity amount cannot exceed the equivalent of two years’ salary (24 months) based on your last drawn basic salary.

Gratuity Calculator UAE: Calculate Your End of Service Benefits (2026)

If you work in the UAE or plan to leave your job there, one of the important pieces of your financial planning is knowing your rights when you finish employment. The concept of a “gratuity” or end of service benefit is a key part of that. A gratuity calculator for the United Arab Emirates lets you estimate what your payout might be.

In this article we will explain how to calculate your end of service benefits in the UAE, the factors that matter, and how Clarvia can help you plan this important event alongside your broader financial goals.

Many employees focus on salary, allowances and job responsibilities. But when your employment ends you need to know what you are entitled to.

The end of service benefit in the UAE is your right after at least one year of continuous service. If you don’t understand it you may accept less than you deserve. Also from an employer’s perspective, knowing the correct amount prevents disputes and ensures compliance. With Clarvia you can integrate the gratuity calculation into your full financial plan instead of treating it as a standalone event.

In the UAE, “gratuity” is the lump-sum payment that an employer must make to an eligible employee when the employment ends. It is often referred to as the end of service benefit (EOSB). The rules are governed by the Ministry of Human Resources and Emiratisation (MOHRE) and the relevant UAE Labour Law.

According to available sources, you must complete at least one year of continuous service in the private sector to be eligible.

"The gratuity is calculated based on your last drawn basic salary, excluding allowances such as housing or transport."

The calculation depends on your total years of service and (in older contracts) the contract type and how you exit the job. Modern law has simplified some of those distinctions.

Here are the main factors that determine how much you receive:

Basic salary: Only the “basic” portion counts, not allowances. If you earn AED 15,000 including allowances and your basic salary is AED 8,700, the calculation uses AED 8,700.
Length of service: You must have worked for at least one year. For the first five years you earn 21 days’ basic salary per year of service. After five years, you earn 30 days’ basic salary per year for the years beyond the first five.
Contract type and exit method: In older “unlimited” contracts, if you resigned you might lose part of your gratuity depending on how many years you worked. But newer law has simplified this for fixed-term (limited) contracts.
Maximum cap: The total gratuity cannot exceed the equivalent of two years’ salary in many cases.
Unpaid leave or misconduct: If there is unpaid leave beyond allowances, or if the employee is dismissed for gross misconduct, the gratuity may be adjusted or forfeited.

Using a gratuity calculator is straightforward and helps you avoid manual error. The process typically looks like this:

Enter your last drawn basic salary (in AED).
Select your contract type (limited or unlimited if applicable) and reason for exit (resignation, termination, end of contract).
Enter your start and end dates of service.
The calculator applies the law’s formula and shows your estimated gratuity.

For example, if your basic salary is AED 8,000, and you worked for 7 years, you might calculate:

For first 5 years: (21/30 × AED 8,000) × 5 = AED 28,000
For years 6 & 7: (30/30 × AED 8,000) × 2 = AED 16,000
Total gratuity estimate: AED 44,000

Clarvia can integrate such calculators into your broader financial plan, letting you see how your gratuity payout will feed into your next steps (for example relocation, saving, investment or retirement planning).

By using Clarvia you benefit from:

Integrated planning: Instead of treating your gratuity payout as a single transaction, Clarvia allows you to see it in context of your entire financial picture-salary, savings, investments, major life events and future goals.
Scenario modelling: What if you stay two more years? What if you change job? What if your basic salary increases? Clarvia lets you run those “what if” scenarios easily.
Clarity and transparency: The rules around gratuity are clear but many employees don’t know all the details. Clarvia helps you visualise the assumptions, show you how the formula works, and highlight anything uncertain.
Peace of mind: When your employment ends or you change roles, you can use Clarvia to see exactly what your rights are, so you’re not surprised and can negotiate from a position of knowledge.

Assuming gross salary counts: Many think allowances count, but only basic salary does. Enter the correct figure.
Ignoring service length: If you haven’t completed a full year you’re typically not eligible.
Forgetting to adjust for unpaid leave: Extended unpaid leave may break continuity and impact your entitlement.
Leaving calculation to HR alone: Having your own estimation through Clarvia gives you a benchmark and strengthens your position.
Treating gratuity in isolation: If you receive a gratuity payout, what you do with it matters-whether you reinvest, re-locate or save. Clarvia helps you plan the next step.

Confirm your last drawn basic salary.
Check your start and end dates of service and note any unpaid leave.
Use a gratuity calculator (or through Clarvia) to estimate your payout.
Compare your calculation with what your employer proposes.
Use Clarvia to integrate the gratuity payout into your financial roadmap-what will you do with this amount next?
Review your plan annually or when your employment status changes.
Keep records of contracts, salary slips and final settlement offers for clarity and protection.

The end of service benefit or gratuity in the UAE is a meaningful financial entitlement. Using a gratuity calculator UAE correctly gives you clarity and helps you plan more confidently for your transition. Equipped with an accurate estimate, you can make informed decisions about your next steps. When you bring this calculation into a broader financial context using a tool like Clarvia, you’re not just estimating a one-off payout. You’re building a thoughtful bridge between your employment today and your future goals. With knowledge, preparedness and the right tool, your end of service benefit becomes an asset, not a surprise.