Saudi Arabia ยท Calculator
Saudi Arabia take-home pay calculator 2026
A single expatriate (non-Saudi) employee in Riyadh on an indefinite-term contract under the Saudi Labour Law, no dependants, salary paid evenly as 12 monthly payments with no bonus. The main white-collar hiring case for a foreign employer is an expatriate, so this is modelled instead of a Saudi national: expatriates pay no social insurance and no income tax. Salary structure assumed: basic pay 60% of total monthly salary, housing allowance 15% (25% of basic), other allowances 25%. These shares are an assumption, not a legal rule. The employer pays GOSI occupational hazards at 2% of the contributory wage (basic + housing, capped at SAR 45,000 a month) and accrues the end-of-service award (half a month's wage per year for the first 5 years), taken here on basic pay only (60%). 2026 calendar year.
Take-home pay by monthly salary
| Monthly salary | Employee contributions | Income tax | Take-home | Employer cost |
|---|---|---|---|---|
| SAR 12,000 | SAR 0 | SAR 0 | SAR 12,000 | SAR 12,680 |
| SAR 20,000 | SAR 0 | SAR 0 | SAR 20,000 | SAR 21,133 |
| SAR 35,000 | SAR 0 | SAR 0 | SAR 35,000 | SAR 36,983 |
| SAR 60,000 | SAR 0 | SAR 0 | SAR 60,000 | SAR 63,400 |
Questions
What is the take-home pay on SAR 20,000 a month in Saudi Arabia?
After employee contributions of SAR 0 and tax of SAR 0, take-home pay is SAR 20,000 a month. The employer's total cost is SAR 21,133, 1.06 times the salary.
What does the calculator assume?
A single expatriate (non-Saudi) employee in Riyadh on an indefinite-term contract under the Saudi Labour Law, no dependants, salary paid evenly as 12 monthly payments with no bonus. The main white-collar hiring case for a foreign employer is an expatriate, so this is modelled instead of a Saudi national: expatriates pay no social insurance and no income tax. Salary structure assumed: basic pay 60% of total monthly salary, housing allowance 15% (25% of basic), other allowances 25%. These shares are an assumption, not a legal rule. The employer pays GOSI occupational hazards at 2% of the contributory wage (basic + housing, capped at SAR 45,000 a month) and accrues the end-of-service award (half a month's wage per year for the first 5 years), taken here on basic pay only (60%). 2026 calendar year.