Saudi Arabia Salary Calculator 2026
Work out your net salary after GOSI social insurance (no income tax on salaries)
GOSI Rates from 1 July 2026
- Saudi (registered before July 2024)9.75% employee
- Saudi (registered from July 2024)10.75% employee
- Non-Saudi employee0%
- Contributory wageBasic + housing
- Monthly capSAR 45,000
Saudi Arabia has no personal income tax on salaries. Employer pays its own GOSI share on top.
Gross Salary
Net Salary
Monthly Take-Home
GOSI Deduction
How salary deductions work in Saudi Arabia
Saudi Arabia does not tax employment income. The only regular deduction from salary is the employee share of social insurance paid to GOSI (General Organization for Social Insurance), and only Saudi nationals pay it.
| Employee | Employee share | Employer share |
|---|---|---|
| Saudi, registered before 3 July 2024 | 9.75% (annuities 9% + SANED 0.75%) | 11.75% |
| Saudi, registered from 3 July 2024 | 10.75% from 1 July 2026 | 12.75% |
| Non-Saudi (expat) | None | 2% occupational hazards |
For Saudis who first registered with GOSI on or after 3 July 2024, the annuity rate rises by 0.5% for both employee and employer every 1 July until 2028.
What GOSI is charged on
Contributions are based on basic salary plus housing allowance only, up to SAR 45,000 a month. Transport and other allowances, overtime and bonuses are not included.
Worked example: SAR 20,000 a month (Saudi, new rates)
With SAR 15,000 basic, SAR 3,750 housing and SAR 1,250 transport, GOSI is 10.75% of SAR 18,750, which is SAR 2,015.63 a month. Net salary is about SAR 17,984 a month. An expatriate on the same package takes home the full SAR 20,000.
End-of-service gratuity and Zakat are not included. Rates as published by GOSI for July 2026; not legal or tax advice.