Saudi Arabia Salary & GOSI Calculator 2026
Calculate your net monthly take-home pay in Saudi Riyals (SAR), including GOSI social insurance for Saudi nationals.
Last updated: May 2026
Applies GOSI & SANED deductions.
Net Monthly Salary
Take-home pay in Saudi Arabia
Understanding Salary in Saudi Arabia
Saudi Arabia is known for having zero personal income tax for employees. However, there are specific social insurance deductions called GOSI (General Organization for Social Insurance).
For Saudi Nationals, a portion of the basic salary plus housing allowance is deducted for pension and unemployment insurance (SANED). For Expats, there is typically no deduction from the monthly salary, as the Occupational Hazards insurance is paid entirely by the employer.
How to use this calculator
- 1Enter Basic Salary — Input the 'Basic' component of your salary as per your contract.
- 2Add Allowances — Input Housing (usually 25%) and Transportation (usually 10%) allowances.
- 3Select Nationality — Toggle the 'Saudi National' switch to apply GOSI and SANED deductions if applicable.
- 4View Net Pay — The calculator provides your total gross and the final net amount that will be deposited in your bank.
Formula & example
Net Salary = (Basic + Housing + Transport + Others) - GOSI Deduction
Example: Saudi National with 10,000 SAR Basic and 2,500 SAR Housing.
- Total Gross: 12,500 SAR
- GOSI Base: 12,500 SAR
- Deduction (10.75%): 1,343.75 SAR
- Monthly Net: 11,156.25 SAR
Benefits
No Hidden Taxes
Confirm that your salary offer in KSA is truly tax-free for your nationality.
GOSI Transparency
Understand exactly how much of your paycheck is going towards your future pension.
Relocation Planning
Budget your life in Riyadh or Jeddah by knowing your exact take-home pay.
Use cases
New Job Offer
Break down a 'Total Package' offer into Basic and Allowances to see the GOSI impact.
HR Compliance
Ensure your company is deducting the correct GOSI amount based on the 45,000 SAR cap.
Budgeting
Plan your monthly rent and expenses based on your actual SAR liquidity.
Frequently asked questions
Do expats pay any tax in Saudi Arabia?+
No, there is no personal income tax for expats. Only Saudi and GCC nationals pay social insurance (GOSI) from their salary.
What is SANED?+
SANED is an unemployment insurance scheme for Saudi nationals. It is a 0.75% deduction from the salary.
Is there a limit on GOSI deductions?+
Yes, the maximum monthly basic salary + housing allowance subject to GOSI is 45,000 SAR.