DIFC/ADGM End-of-Service Savings Calculator
What this calculator does
DIFC employees have been covered by the DIFC Employee Workplace Savings Plan (DEWS) instead of a traditional lump-sum gratuity since February 2020, and ADGM employees have had the option of an equivalent ADGM savings scheme alongside traditional gratuity since April 2025. Both use the same structure: instead of one payout at the end of employment, your employer pays a defined percentage of your basic monthly wage into an investment plan every month — 5.83% for your first 5 years of service, rising to 8.33% from year 6 onward. This tool estimates your accrued employer contributions based on your basic salary and years of service.
Disclaimer
This calculator estimates accrued employer CONTRIBUTIONS only, based on a constant basic salary — it does not account for salary changes, investment returns or losses on the invested balance, plan fees, or any additional voluntary contributions you may have made. Your actual DEWS or ADGM savings plan balance will differ from this estimate. This tool does not apply to mainland or other free zone employees, who instead fall under UAE Labour Law gratuity (see our UAE Gratuity Calculator) or their own free zone's rules. PrimeLedger Consultancy FZCO does not accept responsibility for the accuracy of the figures produced by this tool. Please cross-check your result with your plan administrator or a qualified expert, such as PrimeLedger.
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Your Estimated Savings Position
Enter your basic salary and years of service to see your estimated savings position.
Last Updated: 14 August 2026