💼 Net Salary Calculator — KSA 2026

Enter your salary details below to see your full breakdown

Basic Information

Basic Salary (SAR/month)

Nationality

Allowances

Housing Allowance Typically 25% of basic salary

Housing Allowance Amount (SAR/month)

Transport Allowance Typically 10% of basic salary

Transport Allowance Amount (SAR/month)

Other Allowances (SAR/month, optional)

Deductions

GOSI Deduction Saudis: 10% | Expats: typically exempt

GOSI Rate (%)

Other Deductions (SAR/month, optional)

Your Monthly Take-Home Pay

0 SAR

After all deductions

Basic Salary 0 SAR

Housing Allowance 0 SAR

Transport Allowance 0 SAR

Other Allowances 0 SAR

Gross Total 0 SAR

GOSI Deduction - 0 SAR

Other Deductions - 0 SAR

✅ Net Take-Home Pay 0 SAR

💡 Annual take-home: 0 SAR per year

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How to Calculate Your Saudi Net Salary

Your salary in Saudi Arabia is made up of several components. Understanding each one helps you plan your finances better — especially as an expat sending money home.

What is Basic Salary?

The basic salary is the fixed amount agreed in your employment contract before any allowances. In Saudi Arabia, GOSI contributions and End of Service (EOS) gratuity are calculated based on your basic salary, not your total package.

Housing Allowance (بدل السكن)

Most employers in Saudi Arabia provide a housing allowance of 25% of basic salary. Some companies provide company accommodation instead. Housing allowance is not subject to GOSI deductions.

Transport Allowance (بدل المواصلات)

Transport allowance is typically 10–15% of basic salary. Like housing, it is not subject to GOSI. Many employees receive SAR 800–1,500 per month as transport allowance.

GOSI Deductions

GOSI (General Organization for Social Insurance) applies only to Saudi nationals. As a Saudi employee, your contribution is 10% of your basic salary, with the employer contributing an additional 12%. Most expats are not subject to GOSI deductions.

Saudi employee contribution: 10% of basic salary
Employer contribution: 12% of basic salary
Non-Saudi (expat) employees: generally exempt from GOSI

Frequently Asked Questions

Do expats pay any tax on salary in Saudi Arabia? ▾

No — Saudi Arabia does not have personal income tax. Expatriates keep their full salary minus any agreed deductions like GOSI (for eligible employees) or company deductions. This makes KSA one of the most tax-friendly countries for workers.

Is housing allowance included in EOS calculation? ▾

No. End of Service (gratuity) is calculated on your basic salary only, not on housing or transport allowances. This is defined by the Saudi Labour Law.

What is the minimum wage in Saudi Arabia 2026? ▾

For Saudi nationals, the minimum wage is SAR 4,000 per month. There is no official minimum wage for expatriate workers, though market rates vary by industry and nationality.

Can my employer deduct money from my salary? ▾

Under Saudi Labour Law, deductions are only allowed for GOSI contributions, agreed loans, and disciplinary deductions (limited to 5 days' salary per month). Unauthorized deductions are illegal.

How is overtime calculated in Saudi Arabia? ▾

Overtime in Saudi Arabia is paid at 150% of your hourly basic rate for hours beyond 8 per day or 48 per week. During Ramadan, working hours are reduced to 6 hours per day for Muslim employees.