2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for United Arab Emirates
A FIRE calculator for the UAE: your gratuity, workplace savings plan and investments in dirhamsend-of-service gratuity · DEWS · alternative end-of-service scheme · GPSSA · retirement visa · expat · Dubai · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in dirhams, with UAE inflation, a medical cost rate of its own, and your end-of-service gratuity and workplace savings plan pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| United Arab Emirates | AED | 2.0% | 11.0% |
| India | INR | 4.0% | 12.9% |
| United Kingdom | GBP | 2.0% | 10.0% |
| Singapore | SGD | 2.0% | 16.9% |
Fourteen countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in AED
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for United Arab Emirates, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in AED (AED), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the UBS Global Wealth Report, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
United Arab Emirates · the rates your plan starts from
The United Arab Emirates rates every plan projects with.
A plan for United Arab Emirates starts from these, in AED. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
2.5%
Education inflation
School and university fees, which rise faster than everyday prices.
11%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
6.2%
Return while you work
An assumption, not a forecast — shown so you can change it.
4.66%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · United Arab Emirates schemes in one plan
End-of-service gratuity, Workplace savings plan (DEWS or the alternative scheme), GPSSA / Abu Dhabi Pension Fund (UAE nationals) — rows in your plan from the start.
- End-of-service gratuity — A lump sum your employer owes you when you leave, set by your years of service and your last basic wage.
- Workplace savings plan (DEWS or the alternative scheme) — An invested fund some employers pay into every month instead of owing a gratuity at the end.
- GPSSA / Abu Dhabi Pension Fund (UAE nationals) — The state pension for UAE nationals, paid into by employee and employer.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
United Arab Emirates · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
A foreign employee’s gratuity is due when employment ends, after at least a year’s service: 21 days’ basic wage for each of the first five years and 30 days for each year after, up to two years’ wage.
Access age 2
The retirement residence visa is open from 55 to people with at least 15 years of work who hold property and savings of AED 1 million each, or an income of AED 180,000 a year (AED 240,000 in Dubai).
Access age 3
UAE nationals in the federal pension scheme reach retirement age at 60, with a pension after at least 15 years’ service.
FIRE Planner · United Arab Emirates
What your United Arab Emirates FIRE plan has to get right.
The pensions law covers UAE nationals; a foreign worker is owed an end-of-service gratuity instead. Employers in the alternative end-of-service scheme pay 5.83% of basic wage a month into an invested fund for the first five years and 8.33% after. Nivritee holds the gratuity and the workplace plan as rows of their own.
The UAE levies no income tax on individuals, so Nivritee’s FI number for the UAE takes nothing off your withdrawals for tax.
Medical costs in Nivritee rise at their own rate rather than general inflation: 11% a year, the UAE trend in Aon’s 2026 survey of medical cost trends.
Prices are grown at 2%, the IMF’s projection of UAE inflation five years out. Like every rate in the plan, you can change it.
There is no UAE household wealth survey, so your peer percentile compares your net worth per adult with UBS’s estimate for adults in the UAE, and the card says so.
Why Nivritee for United Arab Emirates
The FIRE Planner, joined to everything else your household runs.
Your United Arab Emirates plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Fourteen markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator United Arab Emirates · questions
FIRE in United Arab Emirates: questions people ask.
How much do I need to retire early in the UAE?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses the same 4% withdrawal rate on your own spending, takes nothing off for tax because the UAE has no personal income tax, adds your goals and nets off income that keeps paying.
How is my end-of-service gratuity worked out?
After a year’s service, 21 days’ basic wage for each of the first five years and 30 days for each year after, capped at two years’ wage. In the alternative end-of-service scheme your employer pays 5.83% of basic wage a month into an invested fund instead, rising to 8.33% after five years.
Can I stay in the UAE after I stop working?
The retirement residence visa is open from 55 to people with at least 15 years of work who hold property and savings of AED 1 million each, or an income of AED 180,000 a year — AED 240,000 in Dubai. Nivritee projects in dirhams, with savings held in any currency.
Is there a free FIRE calculator for the UAE?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in dirhams with UAE inflation, medical cost growth, your gratuity and your workplace savings plan. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your net worth per adult compares with adults in the UAE.
Find your FI number for United Arab Emirates.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free