Saudi Net Salary Calculator
Estimate take-home salary after employee GOSI and SANED contributions and other deductions.
Estimate take-home salary after employee GOSI and SANED contributions and other deductions.
Calculate salary, net pay, GOSI deductions, annual leave, notice period, end-of-service benefit and final settlement.
Annual ↔ monthly, weekly and hourly pay.
Open calculatorEstimate take-home salary after employee GOSI and SANED contributions and other deductions.
Calculate employee and employer social insurance contributions in Saudi Arabia.
Open calculatorEstimate Hadaf employment wage support using the current 30% base rate, additional support factors and official caps. Final eligibility is determined by HRDF.
Open calculatorEstimate the Nitaqat Developed band for 2026, 2027 and 2028 using the HRSD activity, entity workforce and weighted Saudization coefficient.
Open calculatorEstimate annual leave entitlement, accrued balance and the value of unused leave in Saudi Arabia.
Open calculatorEstimate statutory notice days and compensation for an indefinite-term employment contract in Saudi Arabia.
Open calculatorCalculate end-of-service benefit for contract termination or resignation in Saudi Arabia.
Open calculatorEstimate final employment settlement including end-of-service benefit, unused leave, outstanding wages and notice compensation.
Open calculatorThe Saudi Net Salary Calculator estimates how much of a monthly salary remains after the employee share of Saudi social-insurance contributions and any additional deductions entered by the user. It separates gross salary from the GOSI contributory wage so the result is easier to understand and audit.
Enter the monthly basic salary, housing allowance and any other allowances. Choose whether the employee is Saudi or non-Saudi and, for a Saudi employee, whether the applicable pension coverage is the existing system or the new Social Insurance System. The calculator adds the salary components, calculates the contributory wage from basic salary plus housing subject to the calculator's GOSI wage cap, applies the employee contribution rate, subtracts any other deductions entered, and shows the estimated take-home salary.
Gross is the total monthly salary components entered. The contributory wage is basic salary plus housing allowance, limited by the contributory-wage ceiling used by the calculator. For Saudi employees under existing coverage, the calculator uses 9% pensions plus 0.75% SANED, or 9.75% for the employee. For a person covered by the new Social Insurance System, the calculator currently uses the July 2026 phase: 10% pensions plus 0.75% SANED, or 10.75%. A non-Saudi employee is shown with no employee pension/SANED deduction in this calculator.
A Saudi employee has a basic salary of 8,000 SAR, a housing allowance of 2,000 SAR and other allowances of 1,000 SAR. Gross salary is 11,000 SAR and the contributory wage is 10,000 SAR. Under existing coverage, the employee deduction is 10,000 × 9.75% = 975 SAR, producing an estimated net salary of 10,025 SAR before any additional deductions.
No. The calculator distinguishes gross salary from estimated take-home pay. Your contract may also contain benefits, commissions, bonuses, deductions or payroll items that are not represented unless you include them in the available inputs.
The calculator needs to distinguish the salary paid to the employee from the wage used for the GOSI contribution calculation. Other allowances can increase gross salary without necessarily being treated the same way as basic salary and housing in this calculator.
GOSI's new Social Insurance System introduced a staged increase in the pensions contribution rate. The calculator currently represents the phase effective from July 2026, so the rate should be reviewed when later statutory phases take effect.
The calculator does not assume a general individual salary income tax. It focuses on the employee social-insurance contribution and the other deductions you enter.
This is an informational payroll estimate. Actual payroll can differ because of the employee's insurance history, coverage status, employer payroll treatment, eligible wage components, absences, advances, benefits and other contractual items. Verify material employment or contribution decisions with GOSI, the employer's payroll records and the applicable official rules.
These sources are used to verify terminology, formulas, and information related to this calculator.