Which countries does this cover?+
The four Gulf hero calculators — Saudi Arabia, the UAE, Qatar and Kuwait — plus Oman, Bahrain, Pakistan and Egypt. Each has its own statutory formula, currency and local term.
How accurate are these calculators?+
Each uses the published statutory formula for its country and shows a full line-by-line breakdown. They are estimates for guidance — always confirm the final figure with your employer or the labour authority, as statutes change.
What is the difference between gratuity, end of service, indemnity and severance?+
They largely describe the same thing — a lump sum owed when employment ends — but the term varies by country. Gratuity (UAE, Oman, Pakistan), end of service (Saudi, Qatar, Egypt), indemnity (Kuwait, Bahrain), and severance (a contractual Western term).
Is this legal or financial advice?+
No. These tools provide general estimates only and are not legal, tax or financial advice. For a binding figure, consult the relevant labour authority or a qualified adviser.
What are end of service benefits?+
End of service benefits — the meaning is simple: a lump sum your employer owes you when your job ends, set by your country's labour law. Across the Gulf the same end-of-service benefit is called gratuity, indemnity or end of service depending on where you work.
How do I calculate end of service?+
To calculate end of service, multiply your monthly wage by the statutory accrual rate for each year of service in your country, then adjust for resignation where it applies. However you compute end of service, this end of service benefits calculator does the full end of service calculation for you — pick your country above and enter your wage and years.
Is this an end of service gratuity calculator too?+
Yes. Whether your payout is called gratuity, indemnity or an end-of-service award, this end of service gratuity calculator applies the correct statutory formula for each of the eight countries it covers.
Are end of service benefits taxable?+
In the Gulf states covered here there is no personal income tax on salaries or end-of-service payments, so the statutory award is paid in full. Expatriates who remain tax-resident in another country may still have to declare it there, and in Pakistan gratuity paid directly by an employer can be taxable, so treat local tax-free status as separate from your home-country position.
Are end of service benefits calculated on basic or gross salary?+
It varies by country. The UAE, Qatar, Kuwait, Oman and Bahrain calculate on basic salary and exclude housing and transport allowances. Saudi Arabia uses the agreed wage, which for most private contracts means basic unless the contract states otherwise. Pakistan is the outlier and uses the last drawn wage including regular allowances.
What is included in end of service benefits?+
The end-of-service award itself is the statutory lump sum based on your wage and years of service. A complete final settlement normally adds payment for unused annual leave, any unpaid salary to your last working day, notice-period pay where notice was not served, and any contractual extras such as a repatriation ticket.
