Quick answer: the Saudi Arabia Salary Calculator below estimates your 2026 monthly take-home pay in Saudi Arabia. There is no personal income tax on salary in Saudi Arabia — the only deduction in the calculator is GOSI for Saudi nationals, and expatriates pay no employee GOSI at all. Enter your basic salary and housing allowance, pick your track, and the calculator does the rest.
Saudi Arabia Salary Calculator 2026 — Estimated Take-Home Pay After GOSI
Use this calculator to turn a monthly salary in Saudi Arabia into estimated net pay in 2026. The calculator is different from most calculators on this site, because Saudi Arabia levies no personal income tax on employment salary — for Saudi nationals or for expatriates. What the calculator does deduct is GOSI, Saudi Arabia's social insurance, and only for Saudi nationals: 9.75% for Saudis on the legacy system, 10.75% for Saudis on the new system from 1 July 2026, and 0% for expatriates. GOSI is charged on basic salary plus housing allowance only, capped at SAR 45,000 a month. Figures are planning estimates, not tax advice.
🇸🇦 Saudi Arabia Salary Calculator (2026)
Enter your monthly basic salary and housing allowance. The calculator calculates GOSI and net pay, then shows every pay frequency.
Basis: monthly pay in SAR. GOSI base = basic + housing, capped at SAR 45,000/month. Transport, food and other allowances are excluded from the GOSI base and are not entered here. Annual = monthly × 12, no statutory 13th salary. Hourly uses a 48-hour week (2,496 hours a year) as a page convention.
| Pay Period | Gross | GOSI | Net Take-Home |
|---|
How the Saudi Arabia Salary Calculator Works in 2026
The calculator works in a short order, because there is so little to deduct. First the calculator adds your basic salary and housing allowance, and caps that total at SAR 45,000 a month — that capped total is the GOSI contributory wage. Then the calculator applies your track's GOSI rate to that capped wage: 9.75% legacy, 10.75% new system, 0% expatriate. Then the calculator subtracts GOSI from your full basic-plus-housing total (not just from the capped wage) to get net pay. Income tax is SAR 0 at every step, for every track, so the calculator does not show an income-tax line at all — the only tax-like line is GOSI, and only for Saudi nationals.
That is why the calculator asks for basic salary and housing separately. If you entered a single total gross that included transport, food or other allowances, the calculator would charge GOSI on money GOSI does not cover, and your net would be understated. Enter only basic plus housing here, and check your payslip for how your employer splits the package. If your employer provides housing in kind rather than a cash allowance, the calculator cannot value it from this page — use the cash-equivalent figure from your contract, and treat the result as an estimate.
Saudi Arabia Salary Calculator: No Income Tax on Salary
Saudi Arabia levies no personal income tax on employment salary in 2026. That applies to Saudi nationals and to expatriate residents alike: there is no PAYE withholding on wages and no annual personal tax return for employees. The calculator therefore gives an expatriate a net equal to gross, before any tax the expatriate's home country may charge — a US citizen, for example, may still have a US filing obligation, and the calculator does not calculate home-country tax.
Three things that are sometimes mistaken for salary tax are not deducted by the calculator. Zakat is a religious obligation on qualifying net assets, not a deduction from salary when it is received, and an expatriate has no mandatory individual Zakat obligation to the Saudi government. VAT at 15% is a consumption tax, paid when you buy things, not a payroll deduction. Corporate income tax and withholding tax fall on the employer or the paying entity, not on your payslip. If a figure on another site deducts any of those from a Saudi salary, it is not a Saudi payslip deduction.
Saudi Arabia Salary Calculator: 2026 GOSI Rates
GOSI is the General Organization for Social Insurance. The table below is the whole employee side of the calculator. Employer rates are shown for context only — the calculator never subtracts employer contributions from your pay.
| Track | Annuities (employee) | SANED (employee) | Employee Total | Employer Total (context) |
|---|---|---|---|---|
| Saudi — legacy system | 9% | 0.75% | 9.75% | 11.75% (9% + 0.75% + 2% hazards) |
| Saudi — new system (from 1 Jul 2026) | 10% | 0.75% | 10.75% | 12.75% (10% + 0.75% + 2% hazards) |
| Non-Saudi expatriate | — | — | 0% | 2% (hazards only) |
Which Saudi track are you on? That is the trap in this page, and the Saudi Arabia Salary Calculator makes you pick it explicitly. The legacy track applies to a Saudi who had any contribution period under the Social Insurance Law or Civil Retirement Law before 3 July 2024 — it stays at 9.75% and does not rise when you change jobs. The new system applies only to a Saudi entering the labour market for the first time with no contribution period before 3 July 2024, under Royal Decree M/273.
Its annuities rate phases up: 9% in July 2024–June 2025, 9.5% in July 2025–June 2026, 10% from 1 July 2026, 10.5% from July 2027, 11% from July 2028. So the new-system employee total in this Saudi Arabia Salary Calculator is 10.75% for July 2026–June 2027, and it will rise again in July 2027. If you are unsure which track you are on, check your GOSI record — do not guess, because the two rates differ by a full percentage point.
Contributory wage = basic salary + housing allowance, capped at SAR 45,000 a month. Transport, food, phone and other allowances, commissions and ordinary bonuses are excluded by the majority of sources checked for the Saudi Arabia Salary Calculator. A SAR 1,500 a month minimum contributory wage is reported by two sources only and is not applied by the Saudi Arabia Salary Calculator — if your basic plus housing is below SAR 1,500, check your payslip, because a floor may be applied in practice.
Saudi Arabia Salary Calculator Worked Examples — Monthly
Every example in the Saudi Arabia Salary Calculator uses the same basis: the quoted gross is basic salary plus housing allowance only, income tax is SAR 0, annual is monthly × 12, and hourly is monthly net ÷ 208 (2,496 hours a year at 48 hours a week).
SAR 10,000 a month — all three tracks
Saudi legacy: GOSI 10,000 × 9.75% = SAR 975.00 (annuities 900.00 + SANED 75.00); net SAR 9,025.00 a month, SAR 108,300 a year, SAR 43.39 an hour. Saudi new system: GOSI 10,000 × 10.75% = SAR 1,075.00 (annuities 1,000.00 + SANED 75.00); net SAR 8,925.00 a month, SAR 107,100 a year, SAR 42.91 an hour. Expatriate: GOSI SAR 0; net SAR 10,000.00 a month, SAR 120,000 a year, SAR 48.08 an hour. Employer GOSI for context: legacy SAR 1,175.00, new SAR 1,275.00, expatriate SAR 200.00 (2% hazards).
SAR 20,000 a month — all three tracks
Saudi legacy: GOSI SAR 1,950.00; net SAR 18,050.00 a month, SAR 216,600 a year, SAR 86.78 an hour. Saudi new system: GOSI SAR 2,150.00; net SAR 17,850.00 a month, SAR 214,200 a year, SAR 85.82 an hour. Expatriate: GOSI SAR 0; net SAR 20,000.00 a month, SAR 240,000 a year, SAR 96.15 an hour.
SAR 50,000 a month basic + housing — the cap in action
Here the Saudi Arabia Salary Calculator caps the GOSI wage at SAR 45,000, but net is still taken from the full SAR 50,000. Saudi legacy: GOSI 45,000 × 9.75% = SAR 4,387.50; net SAR 45,612.50 a month, SAR 547,350 a year. Saudi new system: GOSI 45,000 × 10.75% = SAR 4,837.50; net SAR 45,162.50 a month, SAR 541,950 a year. Expatriate: GOSI SAR 0; net SAR 50,000.00 a month, SAR 600,000 a year. Employer hazards for context are charged on the capped wage: SAR 900.00 a month.
Saudi Arabia Salary Calculator Income-Level Table (Monthly Net)
Basic plus housing only, income tax SAR 0 in every row. The Saudi Arabia Salary Calculator table shows all three tracks side by side, so the cost of the track choice is visible at every salary level.
| Gross / Month (SAR) | Saudi Legacy Net | Saudi New-System Net | Expatriate Net |
|---|---|---|---|
| 5,000 | 4,512.50 | 4,462.50 | 5,000.00 |
| 10,000 | 9,025.00 | 8,925.00 | 10,000.00 |
| 15,000 | 13,537.50 | 13,387.50 | 15,000.00 |
| 20,000 | 18,050.00 | 17,850.00 | 20,000.00 |
| 30,000 | 27,075.00 | 26,775.00 | 30,000.00 |
| 45,000 | 40,612.50 | 40,162.50 | 45,000.00 |
What the Saudi Arabia Salary Calculator Does Not Include
The Saudi Arabia Salary Calculator on this page is a monthly salary calculator, not a full cost-of-living or annual-return calculator. The Saudi Arabia Salary Calculator does not deduct the expatriate work-permit levy (reported at SAR 700–800 a month per expatriate worker) because Labour Law Article 40 prohibits deducting it from salary — it is an employer cost. The Saudi Arabia Salary Calculator does not deduct the dependent fee (SAR 400 a month per dependent) because it is a residency fee borne by the expatriate in practice, not a payroll deduction, unless your contract says otherwise.
The Saudi Arabia Salary Calculator does not include end-of-service benefit, because that is an employer accrual (half a month's basic wage per year for the first five years, then a full month per year), not a deduction. GCC nationals are not modelled as a third track: under GCC extension arrangements their contributions generally go to their home-country scheme, so a GCC national should check their home scheme rather than using either Saudi track here.
Using the Saudi Arabia Salary Calculator for a Job Offer
When you run the Saudi Arabia Salary Calculator, compare net monthly pay, not gross pay — and compare like with like on the GOSI base. A Saudi Arabia Salary Calculator result of SAR 20,000 gross in Riyadh is not the same life as the same Saudi Arabia Salary Calculator result in a smaller city, because housing costs differ — but the Saudi Arabia Salary Calculator GOSI itself does not change by city, since GOSI is national.
Run the Saudi Arabia Salary Calculator with your real basic plus housing, pick the right track, and use the Saudi Arabia Salary Calculator monthly net for your budget, remembering the annual figure is monthly × 12 with no statutory 13th salary folded in. Salaries in Saudi Arabia are paid monthly in SAR through the Wage Protection System, so the Saudi Arabia Salary Calculator starts from a monthly figure for the same reason.
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Frequently Asked Questions — Saudi Arabia Salary Calculator
Sources
GOSI rates, the two Saudi tracks and the phase-in schedule, the SAR 45,000 cap and the basic-plus-housing base, and the no-personal-income-tax position, as corroborated by Silberson on Saudi social insurance rates 2026, Kinetic on GOSI contribution rates 2026 and RemotePeople on employer of record in Saudi Arabia. The direct GOSI / Gazette text was not opened in research and should be re-checked at publish time; figures are planning estimates, not tax advice. The SAR 1,500 minimum contributory wage, the transport-allowance composition dispute, and the work-permit levy and dependent fee figures are noted on this page as uncertain, and none of them is modelled as a deduction in the Saudi Arabia Salary Calculator.
Disclaimer: All figures on this page are estimates for planning only. GOSI depends on your track, your basic salary and housing allowance, and your payslip split. This Saudi Arabia Salary Calculator is not tax advice and does not replace GOSI guidance or a qualified adviser.