Gross to net salary calculator. No sign-up, no ads.
🇸🇦 Saudi Arabia Salary Calculator 2026
Saudi Arabia charges no personal income tax on employment income, for Saudi nationals or expatriates. Expat employees, who make up most of the private-sector workforce, also pay no employee GOSI (social insurance) contribution: only the employer pays, a 2% occupational hazard levy that never touches your payslip. The result is one of the simplest calculations on this site: gross equals net. At SAR 240,000 annual salary (SAR 20,000/month), take-home is exactly SAR 240,000 for an expatriate employee. At SAR 480,000, every riyal remains.
0%
Personal income tax rate in the UAE
There is no income tax law for individuals in the UAE. Your gross salary equals your take-home pay.
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| SAR 120,000 | SAR 120,000 | SAR 10,000 |
| SAR 240,000 | SAR 240,000 | SAR 20,000 |
| SAR 480,000 | SAR 480,000 | SAR 40,000 |
| SAR 800,000 | SAR 800,000 | SAR 66,667 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Data & assumptions
- Tax year
- 2026
- Last updated
- 2026-07-17
- Employment assumption
- Full-time employee, single filer
Figures are estimates based on standard deductions and do not account for pension contributions, benefits in kind, or individual circumstances. See our methodology for how these numbers are calculated.
Frequently Asked Questions
Is this true for everyone, or just expats?
It's true for everyone on the income tax side: Saudi Arabia simply doesn't tax salaries. The social-contribution side differs: Saudi national employees pay an employee GOSI contribution (10.25-10.75% in 2026, depending on hire date) into a pension scheme. This calculator models the expat case, which is gross-equals-net all the way.
What is GOSI?
GOSI (General Organization for Social Insurance) is Saudi Arabia's social insurance scheme. For non-Saudi employees it covers only work-injury and occupational-disease compensation, funded entirely by a 2% employer contribution. There's no employee-side deduction.
Are there any other deductions I should expect?
Not from your salary itself. Some employers deduct for company-arranged housing, transport, or end-of-service gratuity calculations, but those vary by contract and employer rather than being a statutory tax or contribution.
What is a good salary in Saudi Arabia?
Riyadh and Jeddah are Saudi Arabia's main professional labour markets. For expatriate professionals, compensation packages commonly include a base salary, housing allowance (typically 20–25% of basic salary), transport allowance, annual flights home, and employer-paid medical insurance. An expat single person in Riyadh or Jeddah typically expects SAR 15,000–30,000 per month all-in as total package. Oil and gas, finance, and senior engineering roles commonly reach SAR 50,000–100,000 per month total package. All of this is tax-free net for the employee. Saudi nationals employed in the private sector pay 10.25–10.75% into GOSI and therefore keep slightly less than expat colleagues at the same gross.
How does Saudi Arabia compare to the UAE for tax-free employment?
Both Saudi Arabia and the UAE levy no personal income tax on employment income, making them the two largest zero-tax labour markets in the Gulf. The practical differences are in lifestyle and sector concentration: the UAE (Dubai and Abu Dhabi) offers a more cosmopolitan environment with more internationally facing finance, tech, and media jobs. Saudi Arabia has historically offered higher salaries in oil and gas, construction, and government-adjacent roles, partly to compensate for a stricter social environment. With Vision 2030 reforms, Saudi Arabia is increasingly competitive for tech and finance talent. For expats comparing offers, both result in 100% net of gross salary.
What should I know about end-of-service gratuity (ESG) in Saudi Arabia?
Saudi labour law requires employers to pay an end-of-service gratuity to employees who complete at least two years of service. The formula is: half a month's final salary per year for the first five years, then one full month's salary per year beyond that. This gratuity is separate from salary and not subject to income tax. For an employee earning SAR 20,000/month who stays five years, the gratuity is 5 × SAR 10,000 = SAR 50,000 tax-free. This is the primary form of deferred compensation for expats in Saudi Arabia since there is no state pension accumulation for non-nationals. Factor the ESG into total package comparisons, especially when comparing against European contracts that include pension contributions.