Free · Bilingual · Cited to the law
End of service calculator for all six GCC countries
Know exactly what your gratuity should be. Mukafi works out your Gulf end-of-service benefit (EOSB) in seconds, with 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
21 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
Saudi 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
- Qatar
A 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
- Kuwait
15 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
- Oman
One 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
- Bahrain
Half 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
Leave, overtime, notice and settlement calculators
Beyond gratuity, work out the rest of what you're owed. Pick your country on any card: each calculator follows that country's labour law and is free to use.
Leave Salary Calculator
The cash value of the annual leave you didn't take when you leave a job.
Available for
Overtime Calculator
Day, night, rest-day and public-holiday overtime pay on your wage.
Available for
Annual Leave Calculator
How many paid annual-leave days you've accrued, and what's left.
Available for
Notice Period Calculator
Your pay in lieu of a notice period that wasn't served.
Available for
Final Settlement Calculator
Everything you are owed when you leave, added up: gratuity, unused leave, notice pay and unpaid salary, each on the wage its own article requires.
Learn
From the Mukafi blog
Plain-English guides to gratuity and end-of-service rules across the GCC — every article is cited to the law and paired with a live calculator.
- UAE
Domestic Worker Gratuity in the UAE: 2026 Rules
Gratuity for domestic workers in the UAE: why the 14-day rule ended in 2022, what Article 22 says, what is still owed when a contract ends and how to claim.
- Bahrain
Bahrain Labour Law 36/2012 Explained (2026)
Bahrain labour law 36/2012 explained: contracts, probation, hours, leave, notice, dismissal and indemnity, each with its article number, plus the official PDF.
- Bahrain
Maternity, Sick and Other Leave in Bahrain (2026)
Maternity leave in Bahrain is 60 days on full pay plus 15 unpaid (Art. 32). Sick leave, 3 days' bereavement leave, Hajj and the rest, with article numbers.
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 due when you leave a job in the Gulf, once any qualifying period is met. For the region's large expatriate workforce it acts as a statutory payout in place of a pension. In Bahrain, expatriate service from 1 March 2024 is claimed from the Social Insurance Organization (SIO) rather than the employer.
Each country's rules in full: UAE gratuity law, Saudi labor law end of service benefits, gratuity in Qatar, Kuwait labour law indemnity, Oman gratuity law and indemnity in Bahrain.
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 reduces the amount on resignation, and Kuwait does too on unlimited contracts.
The minimum service period
The UAE and Qatar require one full year before any gratuity is due. Saudi Arabia, Kuwait, Oman, and Bahrain count service from the first day, although resigning early can still pay nothing: under two years in Saudi Arabia (Art. 85), or under three years on an unlimited contract in Kuwait (Art. 53).
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
End of service rules compared across the six GCC countries
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
- Minimum service
- 1 year
- On resignation
- Paid in full
- Maximum
- 2 years' pay
- Wage base
- Basic + allowances
- Per year of service
- ½ → 1 month
- Minimum service
- None
- On resignation
- Reduced (tiered)
- Maximum
- None
- Wage base
- Basic salary
- Per year of service
- 21 days (flat)
- Minimum service
- 1 year
- On resignation
- Paid in full
- Maximum
- None
- Wage base
- Basic + allowances
- Per year of service
- 15 days → 1 month
- Minimum service
- None
- On resignation
- Reduced (unlimited only)
- Maximum
- 18 months' pay
- Wage base
- Basic salary
- Per year of service
- 1 month (flat)
- Minimum service
- None
- On resignation
- Paid in full
- Maximum
- None
- Wage base
- Basic + social allowance
- Per year of service
- ½ → 1 month
- Minimum service
- None
- On resignation
- Paid in full
- Maximum
- None
Rates are simplified for comparison. Even without a minimum service period, an early resignation can pay nothing: under two years in Saudi Arabia, or under three years on an unlimited contract in Kuwait. 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 October 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.
Do all GCC countries require a minimum period of service?
No. The UAE (Article 51) and Qatar (Article 54) require one full year of continuous service. Saudi Arabia, Kuwait, Oman, and Bahrain count service from the first day, although resigning early can still earn nothing: before two years in Saudi Arabia (Article 85), or before three years on an unlimited contract in Kuwait (Article 53).
What's the difference between gratuity, EOSB, and indemnity?
They are different names for the same legal entitlement: a lump sum paid when you leave a job, once any qualifying period is met. "Gratuity" is common in the UAE and Qatar, "indemnity" in Kuwait, and "end-of-service benefit (EOSB)" across the region.
What is the difference between gratuity and a final settlement?
Gratuity is one part of what you are paid when you leave. A final settlement adds the rest: unused annual leave, notice pay if the notice period was not worked, and any salary still owed. Each part can use a different wage, so Mukafi has a final settlement calculator for each of the six countries.
Who pays end-of-service benefits in Bahrain and Oman now?
In Bahrain, indemnity for expatriate service from 1 March 2024 is funded through the Social Insurance Organization and claimed from it rather than from the employer; the amount owed did not change. In Oman, employers still pay gratuity under Article 61 of Royal Decree 53/2023; the savings scheme that would replace it for expatriates has been deferred to 19 July 2027 (Royal Decree 60/2025).
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.
For teams
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