Alternative end-of-service benefits calculator
Our interactive calculator helps you to estimate your potential alternative EoSB payout and plan your voluntary Ghaf Benefits contributions with ease
Our interactive calculator helps you to estimate your potential alternative EoSB payout and plan your voluntary Ghaf Benefits contributions with ease
Our alternative EoSB calculator is a user-friendly tool that enables you to estimate the potential value of your alternative end-of-service benefits and voluntary contributions. You can model different scenarios based on your salary, years of service and investment preferences, to forecast how your choices impact your potential EoSB payout – empowering you to make informed decisions and plan your financial future with confidence.
Results are estimates only and do not represent guaranteed returns or actual balances.
We use this information to tailor your alternative end-of-service benefits estimation to reflect your current circumstances and future aspirations.
Basic salary is the fixed contractual pay component, excluding allowances, bonuses and other benefits.
Do you plan to transfer your existing gratuity balance to your Ghaf Benefits plan?
Do you intend to make voluntary contributions to your Ghaf Benefits plan?
A voluntary contribution is an additional employee and/or employer-initiated payment made beyond the mandatory employer contribution. Employer contributions are not subject to any cap, while employee voluntary contributions are limited to 25% of the employee’s gross salary.
How much accrued gratuity would you like to transfer to your Ghaf Benefits plan?
What is your expected annual voluntary contribution amount?
How long do you plan on making voluntary contributions?
What is your expected rate of return?
Disclaimer
Your results are an estimate of your future alternative end-of-service benefits based on the information you provided. Our estimate shows how your EoSB and voluntary contributions could grow over time, factoring in salary increases and potential investment returns.
Amount expected at end of service
Traditional gratuity equivalent
Total Contributions & Investment Returns
Cumulative EoSB Contribution
Cumulative Voluntary Contribution
Investment Return
Your information
Your age
Expected total years of service with current employer
Total past years of service with current employer
Your current monthly basic salary
Expected annual voluntary contribution amount
Your estimated current gratuity amount
Current gratuity balance transfer
Risk Tolerance
Expected return
We use the longest available history for each benchmark, rebalanced monthly where applicable. The benchmarks and start dates are:
3-month EIBOR, using all available data since 30 September 2006.
100% Bloomberg Global Aggregate Index (LEGATRUU Index), returns since 1 January 1990.
60% MSCI ACWI Index (MXWD Index) / 40% Bloomberg Global Aggregate Index (LEGATRUU Index), returns since 1 January 1990.
Results are estimates only and do not represent guaranteed returns or actual balances. The calculator assumes the employee's basic salary grows at an annual rate of 2%.
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Lunate Capital LLC is licensed and regulated by the UAE Securities and Commodities Authority (SCA). Lunate End-of-Service-Benefits Fund and its sub-funds have been authorised and registered with the SCA and authorisation is not an endorsement or guarantee by the SCA. Ghaf Benefits is a registered trademark for Lunate End-of-Service-Benefits
Factoring in potential salary growth, monthly contributions and investment returns, our alternative EoSB calculator allows you to see how your end-of-service benefits could accumulate over time within the Ghaf Benefits plan.
When using the calculator, alternative end-of-service benefits are calculated using your basic salary, which is assumed to increase each year, reflecting typical career progression and helping your EoSB grow over time.
Both employer and voluntary contributions are added to your alternative EoSB each month, helping to steadily build your balance throughout your employment.
Investment returns are compounded monthly, allowing your alternative EoSB and any additional contributions to benefit from potential market growth over the years.
