🧾 Final Settlement Calculator Saudi Arabia 2026

Organize the separate amounts that may make up your final settlement — outstanding salary, EOS, unused leave, overtime, notice pay, reimbursements and deductions — using figures you have verified. This worksheet does not duplicate the dedicated EOS, leave or overtime formulas; it links to them instead.

📖 Article 88 timing 🧮 Worksheet, not a formula 🔒 No login

⚙️ Build Your Settlement Worksheet

Enter only the amounts you have already verified — from your payslip, employer, or the dedicated calculators linked below. Leave anything that doesn't apply at 0.
Get this from the EOS Gratuity Calculator or your employer — don't recalculate it here.
Get this from the Annual Leave Calculator or your employer.
Get this from the Working Hours & Overtime Calculator or your payslip.
Not auto-calculated (Articles 75–77) — enter a verified amount from your contract or professional advice.
Article 91 caps loan/advance recovery at 10% of wage per period — a full lump-sum deduction here may not be lawful without your agreement.

📊 Your Worksheet Totals

Credits

Deductions

🧩 Final Settlement Is a Collection of Separate Items

Saudi Labour Law does not define "final settlement" as a single formula. It is whichever of the following genuinely applies to your situation — each is a separate, independently documented amount.

💰 Outstanding payroll

Unpaid salary and any unpaid overtime through your last working day. Confirm hours and rate against your payslip and attendance records.

General wage-payment obligations; Article 107 for overtime

🤝 EOS gratuity

A separate entitlement calculated under Article 84/85. Use the dedicated EOS calculator — this worksheet takes your result as an input, it does not recompute it.

Labour Law Article 84/85

🏖️ Unused annual-leave payout

Payment for accrued but unused leave when employment ends. Use the dedicated Leave calculator — this worksheet takes your result as an input.

Labour Law Article 109/111

📋 Notice compensation

Compensation tied to notice-period rules or unlawful termination — depends on contract type and circumstances. Not calculated automatically here.

Labour Law Articles 75–77

🎁 Commissions, bonuses & reimbursements

Earned but unpaid commissions or bonuses, and employer-approved expense reimbursements, are separate contractual credits, not part of EOS or leave.

Contract-specific — verify against your agreement

➖ Deductions

Only specific categories are lawful, and some are capped. See the deductions section below before assuming any employer-claimed deduction is valid.

Labour Law Article 91

⏱️ When Must the Employer Pay? (Article 88)

Who ends the relationshipPayment deadline
Employer ends the contract (including an unlawful/arbitrary termination)Within 1 week of the relationship ending, including any arbitrary-dismissal compensation due
Contract ends during the probation periodWithin 1 week of the relationship ending
Employee ends the contract (e.g. resignation)Within 2 weeks — the employer must fully settle the worker's dues
There is no single universal "14 days for everyone" rule — the deadline depends on who ended the relationship, per Article 88.

📋 Notice & Unlawful-Termination Compensation (Articles 75–77)

Article 75 — notice period

For an indefinite-term contract ended for a legitimate reason, written notice is required with a period set in the contract: not less than 60 days if paid monthly, not less than 30 days otherwise.

Article 76 — pay in lieu of notice

If either party ends the contract without honoring the notice period, they owe compensation equal to the wage for the remaining notice period.

Article 77 — unlawful termination

Unless the contract sets its own compensation figure: indefinite-term contracts — 15 days' wage per year of service; fixed-term contracts — wage for the remaining contract period, with a minimum of 2 months' wage.

This worksheet does not calculate any of these figures automatically — the correct amount depends on contract type, which party ended the relationship, and whether notice was honored. Enter a verified figure, or get this reviewed professionally.

➖ What Deductions Are Actually Lawful? (Article 91)

Not every deduction an employer applies to a final settlement is automatically lawful. Article 91 limits deductions to specific categories:

If your employer is deducting something outside these categories, or beyond the stated caps, that deduction may not be lawful — this is a matter for payroll or legal review, not something this worksheet can determine for you.

📐 Worked Examples

1. Employer-initiated ending

Unpaid salary SAR 3,000 + EOS (from EOS calculator) SAR 12,000 + unused leave (from Leave calculator) SAR 4,500 + notice compensation SAR 6,000 (per contract) = SAR 25,500 total credits, no deductions entered. Payment due within 1 week (Article 88).

2. Employee resignation

Unpaid salary SAR 2,200 + EOS SAR 4,000 (reduced amount from EOS calculator, already reflecting Article 85) + unused leave SAR 1,800 = SAR 8,000 total credits, no notice compensation entered since none was owed. Payment due within 2 weeks (Article 88).

3. Settlement with deductions

Credits: unpaid salary SAR 3,000 + EOS SAR 9,000 = SAR 12,000. Deductions: loan balance SAR 2,000 + salary advance SAR 500 = SAR 2,500. Net estimated settlement: SAR 9,500. Confirm the loan deduction does not exceed the 10%-of-wage cap for a single pay period if it is being spread over time rather than settled as a lump sum.

4. Only outstanding salary and leave

A short-tenure worker (under 1 year, no EOS eligibility yet confirmed) has unpaid salary SAR 1,500 and unused leave SAR 900 from the Leave calculator. Total credits: SAR 2,400, with EOS, overtime, notice pay and deductions all left at 0 because they don't apply.

📁 Document Checklist Before You Rely On This

❓ Frequently Asked Questions

What is included in a Saudi final settlement?
Final settlement is not one single statutory formula — it is a collection of separate amounts that may apply: outstanding salary through the last working day, end-of-service gratuity (EOS), unused annual-leave payout, unpaid overtime, notice compensation, earned commissions or bonuses, approved reimbursements, minus any lawful deductions such as loan or advance recovery. Which items apply depends on your specific situation and documentation.
How long does an employer have to pay a final settlement?
Article 88 sets different deadlines depending on who ends the relationship. If the employer ends the contract (including an unlawful termination) or the contract ends during probation, dues must be paid within one week. If the employee ends the contract (such as resignation), the employer must settle full dues within two weeks. There is no single universal 14-day rule for every situation.
Is notice compensation automatically included in final settlement?
Not automatically. Articles 75-77 set out notice-period rules and compensation for unlawful termination, but the exact amount depends on contract type, whether notice was honored, and whether the contract specifies its own compensation figure. This worksheet does not calculate notice compensation for you — enter a verified amount from your contract, employer, or professional advice.
Can my employer deduct anything they want from my final settlement?
No. Article 91 limits lawful deductions to specific categories — recovery of loans/advances (capped at 10% of wage), GOSI and health-insurance contributions, other legally prescribed contributions, and compensation for loss or damage caused by the worker's fault (capped at 5 days' wage per month). Not every deduction an employer applies is automatically lawful.
Does Qiwa verify my final settlement amount?
Qiwa provides its own EOS estimator tool and services such as contract verification, service transfer, and labor-complaint filing, but we did not find evidence that Qiwa or Absher certifies or verifies a specific final-settlement amount as correct. If you believe your settlement is wrong, you can file a complaint through Qiwa for HRSD mediation.
What if deductions are larger than my credits?
This worksheet will show the resulting negative figure, but that does not automatically mean you owe your employer money — deduction categories are legally limited (Article 91), and a negative result here should be treated as a signal to get payroll or legal verification, not as a final legal conclusion.
Should I use this worksheet instead of the EOS or Leave calculators?
No — use this worksheet alongside them. Get your EOS estimate from the EOS Gratuity Calculator and your unused-leave estimate from the Leave Calculator, then bring those figures here to combine them with outstanding salary, overtime, reimbursements and deductions in one place.
How long does an employer have to pay a final settlement in Saudi Arabia?
The Labour Law requires final dues to be settled promptly after the employment relationship ends, with a shorter window where the worker resigns and a very short one where the employer terminates. Practice varies with payroll cycles and exit clearance, so ask HR for the settlement date in writing and raise unpaid dues through the Qiwa or HRSD channels if the date passes.
What is included in a final settlement in Saudi Arabia?
Typically: unpaid salary up to the last working day, payment for accrued but unused annual leave, end of service gratuity, any contractual notice pay, approved reimbursements and, where the contract provides it, a repatriation ticket. Deductions such as outstanding loans, advances or unreturned company assets are applied against that total.
Can my employer deduct the notice period from my final settlement?
If you leave without serving the contractual notice period, the employer may claim compensation in lieu of that notice, which usually appears as a deduction on the settlement. The reverse also applies: if the employer ends the contract without notice, notice pay is normally owed to you. Enter the amount in the deductions field to model the effect on your net figure.
What can I do if my final settlement is wrong or unpaid?
Ask payroll for an itemised breakdown showing the wage base, service period and each deduction, and compare it with the estimate produced here. If the difference is not resolved internally, a labour claim can be filed through the Ministry of Human Resources and Social Development's dispute channels.

📖 Official Sources & Legal Articles

⚠️ For payroll/legal review: the exact Article 77 compensation figure for your situation, whether a specific deduction falls within Article 91's permitted categories, and whether any contract-specific compensation clause overrides the statutory default are all fact-specific questions. Confirm with HRSD, Qiwa, or a licensed Saudi employment-law professional before treating any total on this page as a final payable amount.

🔧 Related Tools

Sources: Saudi Labour Law (Royal Decree M/51, as amended) Articles 75–77, 84–85, 88, 91, 107, 109–111, HRSD official guidance. Figures and rules are set by the issuing authority and may change — verify current details on the official portal before relying on them. Last reviewed: July 2026.

⚠️ Disclaimer: This is an unofficial employee worksheet, not a payroll system or legal determination. It only totals the figures you enter — it does not verify your contract, calculate EOS or leave amounts, or confirm that any deduction is lawful. Always verify your actual settlement with your employer, HRSD, Qiwa, or a licensed Saudi employment-law professional.

Last reviewed and updated: · Reviewed against official Saudi government sources (HRSD, GOSI, Absher, Muqeem, MOI).