Saudi Arabia salary calculator 2026
Work out take-home pay in Saudi Arabia for 2026 from your gross salary, find the gross needed for a target net, or see what a hire really costs. Every deduction is shown step by step.
Defaults to your region. Switch to compare any other scale.
Calendar year 2026, private sector. The 2026 new-system rate is averaged across the July step-up. Contributions apply to basic salary plus housing allowance only; lower the share if part of your pay is other allowances.
Result
SAR 15,000.00
Net pay per month
Gross SAR 15,000.00 · employer cost SAR 15,300.00
- Gross pay (per month)SAR 15,000.00
- Total employee deductions−SAR 0.00
- Net pay (per month)SAR 15,000.00
- + Occupational hazards insurance, employer (2%)+SAR 300.00
- Total employer cost (per month)SAR 15,300.00
- Taxable income (per year)SAR 0.00
- Effective deduction rate0%
- Tax year2026
Rules used
Calendar year 2026, private sector. The 2026 new-system rate is averaged across the July step-up. Contributions apply to basic salary plus housing allowance only; lower the share if part of your pay is other allowances.
Step-by-step breakdown
| Item | Rate | Base per year | Per month | Per year |
|---|---|---|---|---|
| Gross pay | SAR 15,000.00 | SAR 180,000.00 | ||
| = Net pay | SAR 15,000.00 | SAR 180,000.00 | ||
| + Occupational hazards insurance, employer (2%) | 2% | SAR 180,000.00 | SAR 300.00 | SAR 3,600.00 |
| = Total employer cost | SAR 15,300.00 | SAR 183,600.00 |
About this tool
Saudi Arabia does not tax employees' salaries. Expatriates pay no social insurance. Saudi nationals pay GOSI contributions on basic salary plus housing allowance (SAR 1,500–45,000 a month): 0.75% for SANED unemployment insurance plus 9% annuities if registered before 3 July 2024. Under the new Social Insurance Law, those first registered from 3 July 2024 pay 9.5% until June 2026 and 10% from July 2026.
For expatriates the employer pays only 2% occupational hazards insurance. For Saudi nationals it pays the same annuities and 0.75% SANED rates as the employee, plus 2% occupational hazards. End-of-service gratuity is not included.
Calendar year 2026, private sector. The 2026 new-system rate is averaged across the July step-up. Contributions apply to basic salary plus housing allowance only; lower the share if part of your pay is other allowances.
Formula
Net = Gross − income tax − employee social contributionsEmployer cost = Gross + employer contributionsNet → gross: solve Net(Gross) = target by bisection
How it is calculated
- Choose the country (each has its own page and tax year).
- Pick gross → net, net → gross or employer budget, then enter the amount per month or per year.
- Set personal options such as dependants, tax class, region or state.
- Read the step-by-step breakdown of every tax and contribution, plus the total employer cost.
Questions
How is net salary calculated in Saudi Arabia?
Saudi Arabia does not tax employees' salaries. Expatriates pay no social insurance. Saudi nationals pay GOSI contributions on basic salary plus housing allowance (SAR 1,500–45,000 a month): 0.75% for SANED unemployment insurance plus 9% annuities if registered before 3 July 2024. Under the new Social Insurance Law, those first registered from 3 July 2024 pay 9.5% until June 2026 and 10% from July 2026.
How much does an employee cost the employer in Saudi Arabia?
For expatriates the employer pays only 2% occupational hazards insurance. For Saudi nationals it pays the same annuities and 0.75% SANED rates as the employee, plus 2% occupational hazards. End-of-service gratuity is not included.
Can I work out the gross salary from a net amount?
Yes. Choose “Net → gross”: the calculator searches for the gross salary whose deductions leave exactly your net amount, then shows the full breakdown. “Employer budget” does the same starting from the total cost.
Which tax year and rules does the calculator use?
Calendar year 2026, private sector. The 2026 new-system rate is averaged across the July step-up. Contributions apply to basic salary plus housing allowance only; lower the share if part of your pay is other allowances.