Free · Bilingual · Cited to the law
Know exactly what your end-of-service gratuity should be across all six GCC countries
Mukafi works out your Gulf end-of-service benefit (EOSB) in seconds — every formula tied to the exact labour-law article, in English and Arabic. Your salary and dates are calculated in your browser and never sent to a server.
- 100% free
- Cited to the law
- Private by design
- English & العربية
Choose your country
Each country's gratuity calculator loads its own law-accurate formula automatically. Pick where you work to get started.
UAE Gratuity Calculator
UAE21 days' basic pay per year — rising to 30 days after 5 years — capped at 2 years' pay.
Based on UAE Federal Decree-Law No. 33 of 2021, Article 51
CalculateSaudi End of Service Calculator
Saudi ArabiaHalf a month's wage per year, a full month after 5 years, on basic pay plus fixed allowances.
Based on Saudi Labor Law (Royal Decree M/51), Articles 84, 85 & 87
CalculateQatar Gratuity Calculator
QatarA flat 3 weeks' (21 days') basic pay for every year of service, with no cap.
Based on Qatar Labour Law No. 14 of 2004, Article 54
CalculateKuwait Indemnity Calculator
Kuwait15 days' pay per year, a full month after 5 years, capped at 18 months' wage.
Based on Kuwait Private Sector Labour Law No. 6 of 2010, Articles 51–53
CalculateOman Gratuity Calculator
OmanOne month's basic pay for every year of service, counted from year one.
Based on Oman Royal Decree No. 53 of 2023 (Labour Law), Article 61
CalculateBahrain Indemnity Calculator
BahrainHalf a month's pay per year, a full month after 3 years, including the social allowance.
Based on Bahrain Labour Law for the Private Sector No. 36 of 2012, Article 116
Calculate
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From salary to settlement in three steps
No sign-up, no spreadsheet, no guesswork.
- 1
Pick your country
Choose from the six GCC states. Each one loads its own labour-law formula, wage base, and rules automatically.
- 2
Enter a few details
Basic salary, start and end dates, contract type, and reason for leaving. That's all it takes.
- 3
Get a cited result instantly
See your total, a year-by-year breakdown, the exact law article behind it, and a PDF you can hand to HR.
Why people use Mukafi
A calculator built to the standard a financial decision deserves.
Tied to the actual law
Every result names the specific article it comes from — like UAE Federal Decree-Law 33/2021, Art. 51 — and links to the official source so you can check it.
Truly private
Your salary, dates, and contract details are calculated entirely in your browser. Nothing is uploaded, stored, or shared.
All six GCC states
UAE, Saudi Arabia, Qatar, Kuwait, Oman, and Bahrain — each with its own verified formula, not a single one-size rule.
Arabic, done properly
A first-class right-to-left Arabic experience with the correct legal terms — not a bolt-on translation.
The full working, shown
A year-by-year accrual table plus a clean, downloadable PDF summary you can take to HR or keep on file.
Kept current
Formulas are re-checked against official sources and dated, with clear notices where laws are mid-change — as in Oman and Bahrain.
The basics
What is end-of-service gratuity?
End-of-service gratuity — also called an end-of-service benefit (EOSB), severance, or indemnity — is a lump sum your employer must pay when you leave a job in the Gulf after completing the minimum service period. For the region's large expatriate workforce it acts as a statutory payout in place of a pension.
What decides how much you get
Your wage base
Most countries use basic salary only; Saudi Arabia, Kuwait, and Bahrain include certain fixed allowances.
How long you served
Gratuity accrues per year of service, and the daily rate often increases after a set number of years.
Why you left
Termination, contract expiry, and resignation can be treated differently — Saudi Arabia and Kuwait reduce the amount on resignation.
The minimum service period
Usually one full year is required before any gratuity is due. Kuwait is the exception — it accrues from day one.
Gratuity, EOSB, or indemnity?
They are three names for the same legal entitlement. "Gratuity" is common in the UAE and Qatar, "indemnity" in Kuwait, and "end-of-service benefit (EOSB)" is used across the whole region.
5 years in the UAE on AED 10,000 basic
The first five years earn 21 days of basic pay each. The daily wage is basic ÷ 30 = AED 333.33. So 21 days × 5 years = 105 days × AED 333.33 ≈ AED 35,000, paid in full on termination.
Side by side
How gratuity rules compare across the GCC
The headline differences between the six Gulf states. Open a country's calculator for the exact formula, tiers, and citations.
- Wage base
- Basic salary
- Per year of service
- 21 → 30 days
- On resignation
- Paid in full
- Maximum
- 2 years' pay
- Wage base
- Basic + allowances
- Per year of service
- ½ → 1 month
- On resignation
- Reduced (tiered)
- Maximum
- None
- Wage base
- Basic salary
- Per year of service
- 21 days (flat)
- On resignation
- Paid in full
- Maximum
- None
- Wage base
- Basic + allowances
- Per year of service
- 15 days → 1 month
- On resignation
- Reduced (unlimited only)
- Maximum
- 18 months' pay
- Wage base
- Basic salary
- Per year of service
- 1 month (flat)
- On resignation
- Paid in full
- Maximum
- None
- Wage base
- Basic + social allowance
- Per year of service
- ½ → 1 month
- On resignation
- Paid in full
- Maximum
- None
Rates are simplified for comparison. Oman and Bahrain are mid-transition to new systems — each calculator shows the current rules and a notice.
Who Mukafi is for
One number, cited to the law — useful on both sides of the desk.
Employees
See what you're owed before you resign, sign an exit, or question a final settlement.
HR & payroll teams
Sanity-check settlements across several GCC countries against the current law in seconds.
SME owners & founders
Budget for end-of-service liabilities without hiring a payroll consultant.
Anyone in a dispute
Get an independent, law-cited figure before a difficult conversation or a claim.
Trust
Built to be trusted with a real decision
Gratuity is money you're owed. We treat the number that seriously.
Cited, not claimed
Every formula names the law and article it comes from, linked to the official text — no vague "according to labour law".
You can check our working
We show the breakdown and the source, so you can verify the result yourself instead of trusting a black box.
Updated as laws change
Each calculator shows when it was last verified, and Oman and Bahrain carry clear transition notices.
No agenda on the number
Optional partner referrals never change your result. The calculation is the calculation.
All six countries' formulas last verified against the official labour law in July 2026.
Frequently asked questions
The essentials on Gulf end-of-service gratuity. Each country's calculator page has its own FAQ with the exact citation.
How is end-of-service gratuity calculated in the GCC?
In every Gulf state, gratuity is a lump sum based on your wage and length of service — a set number of days' pay for each year worked, with the daily rate usually rising after a threshold of years. The exact days, wage base, and any resignation reduction differ by country, so Mukafi applies each country's specific labour-law formula for you.
Is gratuity calculated on basic salary or total salary?
In the UAE, Qatar, and Oman it is based on basic salary only, excluding allowances. Saudi Arabia, Kuwait, and Bahrain include certain fixed allowances in the wage base. Mukafi uses the correct base for the country you select.
Do I still get gratuity if I resign?
Usually yes, but it depends on the country. The UAE abolished the resignation reduction in 2022, and Qatar, Oman, and Bahrain pay the same whether you resign or are terminated. Saudi Arabia and Kuwait reduce the amount on resignation based on years of service.
How many years do I need to qualify for gratuity?
In most GCC countries you need at least one full year of continuous service before any gratuity is due. Kuwait is the exception — indemnity accrues proportionally from your first day.
What's the difference between gratuity, EOSB, and indemnity?
They are different names for the same legal entitlement — a lump sum paid to eligible employees who leave after the minimum service period. "Gratuity" is common in the UAE and Qatar, "indemnity" in Kuwait, and "end-of-service benefit (EOSB)" across the region.
Which GCC countries does Mukafi cover?
All six: the UAE, Saudi Arabia, Qatar, Kuwait, Oman, and Bahrain — each with its own verified formula, in both English and Arabic.
Is Mukafi free, and is my data safe?
Every calculator is free with no sign-up. Your salary, dates, and contract details are processed entirely in your browser and are never sent to, or stored on, our servers.
Are the results legal advice?
No. Mukafi gives accurate estimates for guidance, cited to the law, to help you understand what you're likely owed. Always confirm a final figure with your employer, the relevant ministry of labour, or a qualified lawyer before acting.
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