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Net Salary Calculator for Saudi Arabia (Private Sector)

Social Insurance Law and GOSI contribution rates · Last reviewed:

Enter your basic salary and allowances and choose your nationality. The calculator deducts the employee share of GOSI contributions and shows your monthly take-home pay.

Nationality
Cash housing allowance. Leave empty if housing is provided.
Transport, phone and any other monthly allowances.
مساحة إعلان (after-result)

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What is deducted from a salary in Saudi Arabia?

Saudi Arabia has no personal income tax. The only standard deduction from a private sector salary is the employee share of GOSI (General Organization for Social Insurance) contributions:

EmployeeEmployee deductionCalculated on
Saudi9% annuities + 0.75% SANED (unemployment insurance)Basic salary + housing allowance, up to SAR 45,000
Non-Saudi (expat)NothingThe employer pays 2% occupational hazards

Transport and other allowances are not part of the contributory wage, so they are paid in full.

The new GOSI system (from July 2024)

A Saudi who starts their first civil job on or after 3 July 2024 joins the new system. The annuities rate starts at 9% and rises by 0.5% every July from 2025 until it reaches 11%. The calculator applies the rate that is in force today.

Example (Saudi): basic SAR 7,000, housing SAR 1,750 and transport SAR 700. GOSI is calculated on 8,750: annuities 9% = SAR 787.50 and SANED 0.75% = SAR 65.63. Net salary = 9,450 − 853.13 = SAR 8,596.87.

Example (expat): the same salary has no employee deduction, so the net salary is SAR 9,450.

مساحة إعلان (before-faq)

Frequently asked questions

Is there income tax on salaries in Saudi Arabia?
No. Saudi Arabia does not tax employment income for Saudis or expats. The only standard deduction is the employee share of GOSI contributions, which applies to Saudis.
How much GOSI is deducted from an expat salary?
Nothing. For non-Saudi employees, the employer pays a 2% occupational hazards contribution and nothing is deducted from the salary.
How much GOSI is deducted from a Saudi salary?
9% for annuities and 0.75% for SANED, calculated on the basic salary plus housing allowance, up to SAR 45,000 a month. Under the new system, the annuities rate rises by 0.5% a year until it reaches 11%.
Is the housing allowance included in the GOSI calculation?
Yes. The contributory wage is the basic salary plus the cash housing allowance. Other allowances such as transport are not included.

Official sources

Results are estimates for guidance and do not replace the official authority or professional advice. Report an error

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