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DIFC DEWS & MoHRE Cabinet Res. 96 Verified

DIFC DEWS & MoHRE Workplace Savings Guide

Calculate monthly employer contributions under the DIFC DEWS Workplace Savings Scheme and MoHRE Voluntary Workplace Savings Investment Funds.

Evolution from Traditional Gratuity to Workplace Savings Schemes

In 2020, the Dubai International Financial Centre (DIFC) pioneered the DEWS (DIFC Employee Workplace Savings) Scheme, replacing traditional end-of-service lump sums with regulated monthly investment fund contributions. In 2023, the UAE Cabinet enacted Cabinet Resolution No. 96 of 2023, allowing mainland and freezone employers across the UAE to voluntarily adopt similar workplace savings funds supervised by the Securities and Commodities Authority (SCA) and MoHRE.

For employers operating under standard Labor Law rules without voluntary fund participation, traditional lump-sum calculations apply under our MoHRE Article 51 End-of-Service Gratuity Calculator.

DEWS Monthly Contribution Calculator

DEWS Contribution Rates

First 5 Years Service:5.83% of basic monthly salary
Above 5 Years Service:8.33% of basic monthly salary
Voluntary Employee Top-up:Permitted via payroll deduction

Interlinked UAE Compliance Portals

🧮 MoHRE Article 51 Gratuity Calculator →🛡️ ILOE Unemployment Insurance →🏢 Corporate Tax & Freezone Guide →

Frequently Asked Questions (DEWS & Workplace Pension)

DEWS (DIFC Employee Workplace Savings) is a mandatory workplace pension scheme for DIFC employers, replacing traditional end-of-service gratuity lump sums with monthly employer contributions into regulated investment funds.

Introduced under Cabinet Resolution No. 96 of 2023, the MoHRE Voluntary Savings Scheme allows mainland and freezone employers in the UAE to voluntarily substitute traditional Article 51 gratuity payouts with monthly investment fund contributions managed by SCA-licensed fund managers.

Employers contribute 5.83% of the employee's basic monthly salary for the first 5 years of service, and 8.33% of basic monthly salary for each additional year of service beyond 5 years.

Yes. Employees can choose to make additional voluntary monthly contributions into their DEWS account via payroll deductions to build their retirement savings.
DIFC & MoHRE VerifiedOfficial Workplace Savings Source

• DIFC Employee Workplace Savings (DEWS Portal): difc.ae/dews
• MoHRE Workplace Savings Scheme (Cabinet Res. 96): mohre.gov.ae