Saudi Arabia take-home pay calculator 2026

Calculated with 2026 rules for a single, full-time employee whose salary is their only income.

Income tax rates in Saudi Arabia 2026

Saudi Arabia does not tax employees' salaries in 2026. The only possible deduction is a social insurance or pension contribution, which can differ between nationals and expats.

Social insurance rates

Worked example

An expat employee earning 10,000 Saudi riyals a month, 120,000 a year:

• There is no income tax on salaries in Saudi Arabia.
• We assumed the contributory wage equals your gross salary, up to the cap of 45,000 Saudi riyals a month. In practice the contribution is worked out on the basic wage plus housing allowance only, so if part of your pay is other allowances (transport, for example) the actual deduction will be lower.
• Nothing is deducted from a non-Saudi employee's salary. The employer pays 2% for occupational hazards, and the employee is entitled to an end-of-service award when the contract ends.

Key tax facts about Saudi Arabia

Income tax on salary

None, for nationals and expats

Social insurance deducted from Saudis

9.75% (pensions 9% + Saned 0.75%) under the old system

Social insurance deducted from expats

Nothing; the employer pays 2% for occupational hazards

Maximum pay subject to contributions

45,000 riyals a month

New social insurance system

Pensions 9.5% until 30 June 2026, then 10% each for employee and employer

VAT

15%

Corporate tax

20% on the non-Saudi share; zakat of 2.5% on the Saudi and GCC share

End-of-service gratuity

Half a month for each of the first 5 years, then a full month for each year after

Responsible authority

General Organization for Social Insurance (GOSI) for contributions; Zakat, Tax and Customs Authority (ZATCA) for taxes

Tax guide to Saudi Arabia Living in Saudi Arabia in figures Tax authority and filing deadline End-of-service gratuity in Saudi Arabia

Compare Saudi Arabia with other countries

Official sources

Every figure in this calculator comes from these sources, last checked on 2 October 2026. The annuities, SANED and occupational hazards rates, the cap and the phased increases come from GOSI pages and official guides, and the gratuity articles from the Labour Law text published on the ministry website. Some gosi.gov.sa pages did not open directly, and their text was checked through the search index. The only simplification: the calculator treats gross salary as the contributory wage.

1. GOSI: guide to the gradual increase in annuities contribution rates (2024 to 2028 schedule) Official source · checked 2 October 2026
2. GOSI awareness platform: who the new system covers (SANED 0.75% and 0.75%, occupational hazards 2%) Official source · checked 2 October 2026
3. GOSI: employer journey (45,000 riyal cap, parts of the contributory wage) Official source · checked 2 October 2026
4. GOSI: annuities page (9% on the contributor and 9% on the employer under the previous system) Official source · checked 2 October 2026
5. GOSI: contributor FAQ (non-Saudis are covered for occupational hazards only) Official source · checked 2 October 2026
6. Labour Law (Articles 2, 84, 85 and 87), Ministry of Human Resources and Social Development edition, 2025 Official source · checked 2 October 2026
7. ZATCA: income tax rate of 20% Official source · checked 2 October 2026
8. ZATCA: VAT at 15% Official source · checked 2 October 2026

Results are estimates for information only. Your actual pay can differ with your contract, exemptions and family situation. How we calculate.