What is the UAE Coast FIRE Calculator?

The UAE Coast FIRE Calculator estimates how much you need to invest today so your portfolio can grow to your retirement goal without requiring additional retirement contributions.

Does this calculator use UAE Dirham (AED)?

Yes. This calculator is designed for UAE users and performs all calculations using UAE Dirham (AED).

Can I consider end-of-service gratuity in my Coast FIRE plan?

Yes. Many UAE residents, especially expatriates, include end-of-service gratuity and long-term investments when planning for financial independence and retirement.

Is the UAE Coast FIRE Calculator free to use?

Yes. Our UAE Coast FIRE Calculator is completely free and provides instant retirement planning estimates without requiring registration.

Coast FIRE UAE (AED)

Find your Coast FIRE number in Dirhams — the point where you can stop saving and let your End-of-Service Gratuity, voluntary savings, and investments compound to retirement.

End-of-Service Gratuity • Voluntary Savings • Pension • Investments • 100% Free

Important: This calculator provides general estimates based on UAE labour law and retirement schemes. Gratuity calculations follow the standard formula: 21 days of basic salary for each year of service. Voluntary savings schemes (e.g., DIFC/ADGM) and pension schemes for UAE nationals vary. For personalised advice, consult a qualified financial advisor.

📊 Your Details

Enter your information and toggle income sources to see the impact on your Coast FIRE target.

Current Age

Retirement Age

Annual Spending in Retirement (AED)

د.إ

Current Savings & Investments (excl. Gratuity) (AED)

د.إ

Expected Investment Return (%)

Inflation (%)

Safe Withdrawal Rate (%)

End-of-Service Gratuity

Voluntary Savings

Pension (UAE Nationals)

Other Income

🏛️ End-of-Service Gratuity

Annual Gratuity Payout (AED)

د.إ

Gratuity Received Age

Includes Cost-of-Living Adjustments (COLA) COLA — gratuity is a fixed lump sum

Gratuity is calculated as 21 days of basic salary for each year of service (up to 5 years) and 30 days thereafter. The default assumes a lump sum payout of AED 200,000 converted to an annual drawdown of AED 20,000 using the 4% rule. Adjust based on your actual salary and years of service.

💰 Voluntary Savings

Annual Voluntary Savings Withdrawal (AED)

د.إ

Withdrawal Start Age

Includes Cost-of-Living Adjustments (COLA) COLA — adjusts for inflation

Voluntary savings include employer-sponsored schemes (e.g., DIFC Employee Workplace Savings Scheme, ADGM savings plans), private pension plans, and personal investment accounts. The default assumes you withdraw a fixed annual amount from your savings.

🏛️ Pension (UAE Nationals)

Annual Pension (AED)

د.إ

Pension Start Age

Indexed to inflation (COLA) COLA — pension is typically indexed

UAE nationals are eligible for government pension schemes administered by the General Pension and Social Security Authority (GPSSA). Contributions are typically 5% of salary (employee) and 12.5% (employer). The pension is calculated based on final salary and years of service. This calculator assumes you receive a fixed annual pension.

📊 Other Guaranteed Income

Annual Income (AED)

د.إ

Income Start Age

Includes Cost-of-Living Adjustments (COLA) COLA — adjusts for inflation

UAE Retirement Note: End-of-Service Gratuity is a one-time lump sum payment upon termination, calculated using the last drawn basic salary. For UAE nationals, the pension scheme provides a regular retirement income. Voluntary savings schemes are becoming more common, especially in DIFC and ADGM. For accurate figures, consult your employer's HR policies and the GPSSA (for nationals).

📈 Your Results

See how gratuity, savings, and pension reduce your Coast FIRE target.

Coast FIRE Target (No Income) د.إ0

Coast FIRE Target (With Income) د.إ0

Your Current Savings د.إ0

Progress 0%

0% Coast FIRE Target 100%

Gratuity, Savings & Pension Reduce Your Target By

د.إ0

0% less to save

💡 In the UAE, End-of-Service Gratuity is a mandatory lump sum payment — it's an important foundation for your Coast FIRE plan. The longer you stay with an employer, the larger your gratuity grows.

Based on retire at 60, 4% withdrawal, 2.5% inflation.

Disclaimer: This is a general estimate. UAE labour law, gratuity calculations, and pension schemes are subject to change. Consult a qualified financial advisor for personalised advice.

UAE Coast FIRE by Age

Based on AED 150,000 annual spending, 4% withdrawal rate, 6% expected return, 2.5% inflation, retiring at 60. All figures in today's Dirhams.

Current Age	Years to 60	Coast FIRE Number	Full FIRE Number
25	35	د.إ 2,543,820	د.إ 3,750,000
30	30	د.إ 3,253,425	د.إ 3,750,000
35	25	د.إ 4,160,582	د.إ 3,750,000
40	20	د.إ 5,324,200	د.إ 3,750,000
45	15	د.إ 6,803,000	د.إ 3,750,000
50	10	د.إ 8,706,400	د.إ 3,750,000

Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.

UAE Coast FIRE Insights

Key considerations for Coast FIRE planning in the UAE.

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End-of-Service Gratuity

UAE Labour Law requires employers to pay gratuity based on your last drawn basic salary. The calculation is 21 days' salary for the first 5 years, and 30 days for each subsequent year. This lump sum can be a significant part of your Coast FIRE plan — treat it as a foundation.

💰

Voluntary Savings Schemes

Employers in DIFC, ADGM, and other free zones often offer workplace savings schemes. These are similar to 401(k) plans in the US. They allow you to save regularly with employer contributions, often with tax advantages. Build these alongside your personal investments.

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Investment Returns

UAE residents can access global equity and bond markets through local and international brokerages. A well-diversified portfolio of global equities and bonds can target a long-term return of 5-7% in USD/AED terms. Our default of 6% is a realistic long-term expectation.

👑

Pension for UAE Nationals

UAE nationals are covered by the GPSSA pension scheme. Employees contribute 5% of salary, employers contribute 12.5%, and the government contributes 2.5%. Pension is calculated based on the final two years' average salary and years of service. This provides a regular income stream in retirement.

Frequently Asked Questions

Common questions about Coast FIRE in the UAE.

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