Saudi Salary Calculator 2026: Estimate Your Net Pay in KSA After GOSI
Ratiby's Saudi salary calculator helps both Saudi nationals and expatriate professionals quickly estimate their monthly net salary after GOSI deductions, housing allowance, and transport allowance. Whether you're negotiating a job offer in Riyadh, moving to Jeddah, or reviewing a payroll slip, this tool models compensation exactly as defined by the Saudi Labor Law and the General Organization for Social Insurance (GOSI).
How to Use the Saudi Salary Calculator
- Enter your basic salary (the figure written in your contract, in SAR).
- Set your housing allowance percentage: 25% is standard in KSA, and it can range up to 40%.
- Add your fixed transport allowance (typical default: SAR 500).
- Toggle "Saudi Citizen" to apply the 9.75% GOSI deduction automatically.
- Switch between monthly and annual views to see the full income breakdown.
The Math Behind Your Take-Home Pay
1. Gross Salary Formula
Gross Salary = Basic Salary + Housing Allowance + Transport Allowance.
Example: Basic SAR 10,000 + Housing 25% (SAR 2,500) + Transport SAR 500 = SAR 13,000 gross.
2. GOSI Deduction (Saudi Nationals Only)
- The insurable wage equals Basic + Housing (transport is excluded).
- Employee contribution: 9.75% of insurable wage (9% pension + 0.75% SANED).
- Insurable wage is capped at SAR 45,000/month.
- No GOSI applies to expats: they are covered by employer-paid Occupational Hazards only.
See the full GOSI social insurance guide for rates, branches, and the 2025-2028 increase.
3. Net Salary
Net Salary = Gross Salary − GOSI Deduction. No personal income tax applies in Saudi Arabia.
Worked Examples: Salary & GOSI Deduction
The table below shows the GOSI deduction and net pay for various basic salaries (assuming 25% housing and SAR 500 transport, Saudi national):
| Basic | Housing (25%) | Transport | GOSI | Net |
|---|---|---|---|---|
| 3,000 | 750 | 500 | 365.63 | 3,884.38 |
| 5,000 | 1,250 | 500 | 609.38 | 6,140.63 |
| 7,000 | 1,750 | 500 | 853.13 | 8,396.88 |
| 10,000 | 2,500 | 500 | 1,218.75 | 11,781.25 |
| 15,000 | 3,750 | 500 | 1,828.13 | 17,421.88 |
| 20,000 | 5,000 | 500 | 2,437.50 | 23,062.50 |
| 30,000 | 7,500 | 500 | 3,656.25 | 34,343.75 |
| 45,000 | 11,250 | 500 | 4,387.50 * | 52,362.50 |
* At SAR 45,000 basic and above, the insurable-wage cap applies and the deduction stops growing at SAR 4,387.50.
Government & Civil Service Salary Calculator
Government employees in Saudi Arabia are paid on official scales (General Civil Salary Scale, Education, Health, Military and others) defined by Grade (1-15) and Step within each grade, with standardized allowances (transport, hazard, nature-of-work). The net-pay formula is similar to the private sector (GOSI 9.75% or civil retirement deduction), but the basic salary follows a fixed table.
Salary Increase & Annual Increment Calculator
To calculate a salary raise, take the difference between your new and old gross, divide by the old gross, then multiply by 100 to get the percentage:
Raise % = ((New Salary − Old Salary) ÷ Old Salary) × 100
Example: SAR 10,000 → SAR 11,500 = ((11,500 − 10,000) ÷ 10,000) × 100 = 15%.
Tip: when comparing offers, compare net figures from this calculator: GOSI may make the real increase smaller than the headline.
Average Monthly Salary in Saudi Arabia
According to the latest GASTAT (General Authority for Statistics) figures, the average monthly wage for Saudi nationals in the private sector is around SAR 10,119, while expat workers average SAR 4,202. The overall median sits near SAR 7,000. Averages vary by sector (oil & banking are above average, retail & hospitality below), experience, and region.
Why Use a Saudi Salary Calculator?
- Job offer evaluation: compare expat packages by net take-home, not gross.
- Relocation planning: model cost-of-living vs. real disposable income in KSA.
- Payroll verification: check that your monthly pay slip matches legal rules.
- Mortgage and loan applications: banks in KSA underwrite against net salary.
Frequently Asked Questions
How is salary calculated in Saudi Arabia?
Salary in KSA is calculated in three steps: (1) the basic salary set in the contract, (2) gross salary = basic + housing allowance (a % of basic, typically 25%) + transport allowance, and (3) net salary = gross − GOSI social insurance (9.75% for Saudi nationals only, applied to basic + housing). There is no personal income tax in Saudi Arabia.
If my salary is SAR 5,000, how much GOSI is deducted?
It depends on whether SAR 5,000 is your basic or gross. If basic = 5,000 with 25% housing (1,250), the insurable wage is 6,250 × 9.75% = SAR 609.38 deducted monthly. If gross = 5,000 (basic 4,000 + housing 1,000, no transport), the deduction is 5,000 × 9.75% = SAR 487.50. GOSI is not deducted from transport allowance and does not apply to non-Saudi employees.
What is the average monthly salary in Saudi Arabia?
According to the latest GASTAT (General Authority for Statistics) data, the average monthly wage for Saudi nationals in the private sector is around SAR 10,119, while expat workers average around SAR 4,202. The overall median wage is roughly SAR 7,000. Averages vary significantly by sector, experience, and specialization.
What is the GOSI deduction rate for Saudi employees?
The GOSI employee contribution rate is 9.75% of the insurable wage, covering 9% for the pension branch and 0.75% for SANED unemployment insurance. The employer pays a matching 11.75% separately, bringing the total contribution to 21.5%.
Do expats and non-Saudi employees pay GOSI in KSA?
No, non-Saudi residents and expats do not have GOSI deducted from their salaries. Only Saudi citizens contribute to the pension branch. Expats are covered only under the Occupational Hazards branch, which is paid 100% by the employer and does not reduce take-home pay.
Is the housing allowance included in the GOSI calculation?
Yes. The insurable wage for GOSI is the basic salary plus the housing allowance. Transport allowance and other variable bonuses are excluded from the GOSI calculation, as they are not part of the statutory insurable wage.
What is the maximum insurable salary for GOSI contributions?
The maximum insurable monthly wage in Saudi Arabia is SAR 45,000. Any earnings above this cap are not subject to GOSI, meaning the maximum monthly employee deduction is SAR 4,387.50 (45,000 × 9.75%).
How do I work out my basic salary if I only know the gross?
If your gross only includes a 25% housing allowance (no transport), then basic = gross ÷ 1.25. Example: a gross of SAR 12,500 ÷ 1.25 = SAR 10,000 basic. If housing is 30%, divide by 1.30. For more complex breakdowns, plug different basic values into the calculator above and find the one that matches your gross.
How do government and civil-service salaries differ from the private sector?
Government employees in Saudi Arabia are paid on an official salary scale (Grade × Step) with standard allowances (transport, hardship, hazard, etc.). The private sector is contract-based and individually negotiated. Browse 60+ official scales on the Salary Scales page.
Official sources
The figures and rules on this page are based on the following official references:
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