End-of-service gratuity: the benefit most people underestimate

End-of-service gratuity is one of the most overlooked assets on a UAE resident’s balance sheet. It accrues quietly with each year of service, yet most people never assign it a number — which means their true net worth is consistently understated.

Here we break down how gratuity is calculated under the current rules, how the amount grows with tenure, and why it’s worth tracking alongside your savings and investments rather than treating it as a surprise at the end.